Health insurance is a service that you pay for, to cover the costs of any kind of treatment for injury or illness, across a network of hospitals and healthcare facilities. You may take a health plan yourself or be covered by your company’s insurance plan. The plan is purchased by paying monthly premiums, which correspond to the amount you are covered for.

Cigna health insurance offers flexible plans to suit different budgets or regions. However, all the plans have common services that include in-patient treatment, day-patient treatment, and across costs of surgery, prescriptive drugs, basic maternity care, cancer care, mental health care and sometimes dental.

It does pay off to investigate a little when you are selecting a health insurance plan. You must take into consideration the factors of cost, coverage, and benefit.

Cost

• Ensure the cost of premiums are within your budget
• Examine the cost of premiums against the average age of your family
• Balance the cost of premiums against possible treatment costs
• Understand the co-payment amount you would have to pay
• Ensure they have a lifetime renewability clause

Coverage

• Check the pre-existing conditions coverage in the plan
• Ensure the plan offers an adequate network offering cashless treatment
• Check the maternity clause and waiting period.
• Look for pre-hospitalization and post-hospitalization facilities

Convenience

• Select insurance with the fastest claim processes
• Ensure basic modern facilities like online claims submissions
• Get access to insurance with 24/7 service channels