Health Insurance Guide Pakistan | Khareednay se pehlay mufeed maloomat [Urdu]

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12 Mar 2022

Kya hospital daakhil honay honay per cash pay kerna hoga ?Jee nai! Cashless hospitalisation health insurance policy ka ik feature hai jis ke zarye kisi bhi medical hospitalization (jab aap admit hotay hain) ki surat mein policyholder bagair koi raqam jama karaye hospital mein sirf apna insurance card aur cnic dikha kar admit hosakta hai aur apni health policy ke coverage ke mutabiq benefit ko avail karsakta hai.Matlab ilaaj ki fikar, Paison ki nai ! Kiya insurance company sirf Hospital kay bill ka claim daitee hai?Insurance company na sirf hospital balkay ussay 30 din phailay aur bad kay medical expenses jaisay kay lab test lab test, ultrasound, xrays, doctor check-up ko bhi cover karti hai. In sab cheezo kay kharchay apki insurance company say bill jama karwa kar claim kar saktay hai. Is ko “Pre and post hospitalisation” cover bhi kehtay haiKya health insurance ka claim kisi bhi hospital se le saktay hain ?Insurance company ke panel per har shehar mein buhat sarey hospitals mojood hotey hai, jis mein sey ap apni marzi ke mutabiq hospital select kar ke wahan ilaaj karasaktey hai aur cashless claim ki facility avail karsaktey hai.Agar emergency ki soorat main panel hospital ka access na ho tou phir bhi claim mil sakta but woh cashless nai hoga issi liye hamesha panel hospital se elaaj kerwain Insurance ki coverage kab shuru hoti hai ? Waiting period policy khareedney k baad policy activation key time ko kehtey hai jo key her company ki policy key mutabik 15 ya 30 days tak ka hota hai aur es duration main policyholder sirf accidental emergency ka benefit avail kar sakta hai .Kya puraani bimaari insurance coverage main shaamil hai ?koi bhi beemari jo apko policy khareedney sey phelay diagnosed ya maloom ho woh health insurance plan mein covered nahi hogi. Aur uski wajha say koi aur beemari hosakti hai wo bhi health insurnace plan mein covered nahi hongi. But kuch health insurance policies pre exisiting condition kuch had tak cover kerti hain. What services do we offer?Smartchoice offers “End-to-End” services jis mein plan ke benefits, coverage and premiums ke maloomaat sey laikar khareednay tak hum apke rehnumai kartey hai aur hassle-free policy purchase ko yakeeni banatey hai-Kya Health insurance main OPD covered hai?Health insurance tamam hospitsalizations ko cover kerta hai Matlab baray kharachay jo waqai main jaib per bhaaari per saktay hain. Health insurance main OPD, medical expenses aur lab test us waqt shamil hotay hai jab doctor consultation kay baad aap ko hospitalization ki zaoorat ho. Roz marra ke routine OPD ke kharachay health insurance main cover nai hotay kyunke un main hosipitalization ki zaroorat nai parti-Why Buy from smart choice and not the company directly?Smartchoice ke platform per tamam health insurance companies mojood hai, aap market mai available tamam insurance companies kay plan aik he jaga ba asani compare karsaktey hai aur apney liye “right” insurance policy apnay budget kay mutabiq choose karsaktay hai. Iskay illawah smartchoice per discounts bhi offer karta hai aur claim assistance bhi provide karta hai. -Are Day care surgeries covered?Ji bilkul shamil hai jaisay kay MRI, CT Scan, Catract aur deegar aisay diagnosis ya operations insurance company apki coverage kay mutabiq cover karti hai. Is ko claim karnay liyay apko lazmi pheley insurance company ki claim helpline say approval layni parti hai- Is maternity covered?Maternity expennse ammooman insurance comapanies nai cover kerti hain , aur jo companies isko cover kerti hain usmain pehlay saal 10 mahinay ka waiting period hota hai, yaani ke maternity cover policy ke 10 mah baad shuru hota hai. Lekin renewal ke time per complete coverage milti hai Policy Renew kernwanay ke kya faiday hain Health insurance aik long term cheese hai aur usko renew kerwany ke kaafi faiday hain jaise ke Agar kisi saal aapka claim nai hua tou kuch companies aglay saal apko apki policy per discount bhi deti hainAur waqt kay saath apki pre-existing medical conditions ko bhi cover karna shuru kar daite hai

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AshifRaza
AshifRaza 3 months ago

Nice

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