Before Buying Insurance

• Full Disclosure of Pre existing diseases
• Disclose Lifestyle Habits like Smoking & Drinking
• Check What is Excluded & what’s included
• Check for specific coverage like OPD , MATERNITY If required
• Buy Adequate Health Insurance
• Go through Policy Wordings & fine print
• Be aware of Waiting Periods
• Cashless network Hospital List

After Buying Insurance

• Check the basic details like name , phone no , email id & address, plan details etc.
• Pre existing diseases should be mentioned in the policy document
• If you’re porting the policy then date of inception should be of the ported policy

• Full disclosure of PED
• Disclose Lifestyle Habits like Smoking & Drinking
• Buy Term insurance as per financial eligibility – correct income proofs to be given.
• Disclose previous life insurance policies while buying term insurance
• Choose policies with Zero cost option
• Check for specific coverage like personal accidental , critical illness If required