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Is Comparing Term Insurance And Mediclaim Policies The Need Of The Hour?

Author : Shankar Nath

Term insurance is the best form of life insurance policy. When the death of the insured occurs due to certain reasons, the sum of money is paid to the nominee. However, it is always advisable to compare term insurance policies before buying one. Choose the one which provides the facility of returning term insurance products if the policymaker completes the term of the insurance policy. The basic idea behind such a policy is to compensate the monetary loss caused by the death of a family member. There are certain factors that you should take into consideration before buying policies.

Compare term insurance policy in terms of the amount of sum insured. Comparison must be done also on the basis of policy duration, company reputation, facilities provided on multiple insurance policies. Comparing term insurance online is a good way to compare the pros and cons of the policies so that you do not have to repent later. As far as health insurance is concerned, mediclaim policies should be bought by people so that they can get the right kind of treatment when required. However, you also need to compare mediclaim policies before settling down for one. Several reputed insurance firms provide mediclaim policy to their clients.

Compare mediclaim to find out about the advantages of the policies offered by various companies. Compare them on the basis of coverage. A good mediclaim policy will provide for sudden as well as planned hospitalization for diseases. This will include the cost of medicine, expenses related to burning, operation, room and of course the fees charged by the doctor. It is important to know the period for which you buy mediclaim policy. The insurance companies generally offer some kind of special rewards if you do not claim anything for 3 consecutive years.

Know which kind of surgeries are covered by the policy, whether they are major or minor. A good policy should also provide for minor surgeries. The best part is that it facilitates cashless transaction in hospitals which is less time consuming. However, before you buy mediclaim policy from a particular company, look through the tie-ups with hospitals. Buy only when you think that you will be able to travel to those hospitals conveniently. The bigger their network, the more options you will have to choose from. In this way you will be able to go for specialty hospitals. Enquire regarding the entitlement of tax benefits as well.

Mediclaim is particularly helpful when someone is suffering from diseases like cancer, which require prolonged treatment and involve heavy expenses. Whether you are buying term insurance online or by personally visiting the company, make sure you compare insurance India properly. Since the companies differ in their coverage and benefits, it becomes even more important to compare insurance India before buying policies.

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Tags:   Compare Term Insurance, Compare Car Insurance

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Submitted : 2011-07-05    Word Count : 491    Times Viewed: 263