With a plethora of health insurance plans to choose from one often misses the simpler points which should have always been taken care of. This is why even before you get carried away by the features or the coverage provided by a health insurance, you need to double check if some essential aspects are covered. The first thing is whether the health insurance covers pre existing conditions. Although many people assume it may be, they couldn’t be far away from the truth. This is especially critical for those who have a long term ailment at the time of taking a health insurance.
Another common misconception is about the emergency services and healthcare provided under a health insurance benefit. You need to double check the health insurance plan to find out what are the facilities and what in the opinion of the insurance company qualifies as an emergency because it could be very well different from yours. You should also check the tie ups and the network of hospitals where you can get the bills claimed or coverage. If you are far away from one or do not have a personal inclination towards it, you will need to reconsider your plans.