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

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.

Examine the list of benefits carefully to ensure that you have selected a plan that is just right for you.

Premiums for health insurance plans depend primarily on your age when you buy the insurance, or the age of the oldest member of your family in case of family insurance. It also is determined by other health-risk factors like smoking, cardiovascular condition, family history etc.