Health insurance mein 'Restoration' ya 'Refill' benefit dekh kar khush ho gaye? Ruk jaiye! Iske peeche ke fine print aur hidden conditions aapke emergency fund ko khatam kar sakte hain.
Health insurance mein 'Restoration' ya 'Refill' feature marketing ke liye toh bohot sexy lagta hai, lekin asal mein ye double-edged sword hai. Agar aapko lagta hai ki ye aapka base cover replace kar dega, toh aap bahut badi galti kar rahe hain.
1. Trigger ka khel samajh lo
Har policy ka restoration trigger alag hota hai. Kuch plans mein jab tak aapka 100% base cover khatam nahi hota, tab tak refill nahi milta. Sochiye, agar aapka 80% bill aa gaya aur company ne refund nahi kiya, toh baki paise aapki jeb se jayenge. Hamesha check karo ki trigger partial exhaustion par hai ya total par.
2. Same-Illness Exclusion ka bada khatra
Sabse bada trap yahi hai. Bahut si policies mein restored amount sirf tabhi use hota hai jab aapko koi nayi bimari ho. Agar aapko same cancer treatment ya heart issue ke liye doosri baar hospital jaana pada, toh restoration benefit claim reject ho sakta hai. Chronic patients ke liye ye feature kisi kaam ka nahi hai.
3. 'Unlimited' ke jhaanse mein na aayen
Agent kehte hain 'Unlimited Restoration' lelo, chota base cover bhi chalega. Ye sabse risky financial move hai. Restoration secondary support hai, base cover nahi. Emergency mein agar restoration ki conditions match nahi hui, toh aapke paas backup zero hoga.
4. Hidden Exclusions aur Limits
Kuch policies mein restoration ka paisa sirf 'Inpatient' hospital expenses ke liye hota hai. Iska matlab pre-hospitalization aur post-hospitalization ke kharche aapko khud uthane pad sakte hain. Policy lene se pehle Terms & Conditions mein ye zaroor dekhein ki kya wahan koi sub-limit toh nahi chipayi gayi hai.