Deepika Kumari on Health Insurance: Look Beyond Premiums, Focus on Claims and Service

In a recent Business Standard article, Deepika Kumari highlighted key considerations for health insurance buyers, emphasizing that choosing a policy should go beyond simply comparing premiums.

She advised:
 “While buying a policy, new buyers should look beyond premiums. Factor in the claim settlement ratio, hospital tie-ups in their city, and service reputation. They should also get clarity on reimbursement timelines.”

She further noted that claimants often face delays, deductions, or rejections due to documentation issues or policy exclusions. In such cases, patients may be forced to pay upfront and endure a lengthy, stressful recovery process. By prioritizing factors like hospital networks, claim settlement efficiency, and service reliability, policyholders can ensure smoother access to cashless facilities and avoid unnecessary financial stress.

This guidance comes at a time when some hospitals are suspending cashless facilities, making it crucial for policyholders to maintain access to cash or credit and understand their insurer’s processes.

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