With the significant developments for treating cancer and diseases, such as stroke and multiple sclerosis, medical science has witnessed significant innovations. It has now become easier to deal with the rising cases of various ailments. You can now get a quick diagnosis for any illness; but, you may feel the need for a second opinion from another health expert. It is when a second opinion benefit in health insurance proves to be helpful. Care Health Insurance is among the leading insurers offering health insurance plans that have an in-built second opinion as a benefit.
Now, you must be thinking about what the second opinion in health insurance means? Read this article to know about this benefit and its importance.
The Significance of the Second Opinion in Health Insurance
In India, people prefer to consult their family doctor, which is a good practice. However, with this trust, going for a second opinion may not come to your mind. But, you should also consider that doctors are humans, too, and their recommendations may differ. Therefore, it is essential to get a second opinion. With the help of a second opinion, you may obtain confirmation of a new diagnosis or a new treatment plan.
Mentioned below are the reasons why you must check for second opinion benefit when you buy medical insurance cover:
- Mostly, critical diseases are challenging to diagnose, especially when a patient is suffering from various ailments. Due to this, they may have to experience some repercussions if a wrong treatment occurs.
- Suppose your family doctor may not hold the required proficiency to deal with a diagnosis. Then, in this case, another doctor may help you in determining the problem. It may help you in making informed decisions about your treatment plan.
Getting a second opinion is beneficial in the following situations:
- After undergoing any treatment, if the symptoms continue
- If you get diagnosed with a rare disease or a critical ailment
- If the doctor recommends surgery or another invasive procedure
- If you are not satisfied with the diagnosis
How Does Second Opinion Help?
The medical treatment costs are rising in India, because of which there has been an increase in doctor consultation fees. You might think twice before visiting a doctor due to the expensive nature of the consultation. Thus, it is necessary to buy medical insurance offering a second opinion benefit.
One of the prominent names in the health insurance industry, Care Health Insurance, understands the customers’ needs and offers customized options with various policy benefits. If you have any of the specified medical issues, such as cancer, multiple sclerosis, and stroke, you may opt for a second opinion. Also, in case you are uncertain about your diagnosis or wish to get a second opinion from a doctor within India, the company will arrange it for you, free of cost, without impacting the sum insured. This benefit can be availed by the insured once for each major illness or injury per year.
A second opinion is helpful when you have to make healthcare decisions for yourself or your family, especially in diseases like cancer, when you are doubtful about the results. It is prudent to take a second opinion if the doctor suggests that the treatment can be risky. It is always better to remain cautious about your health.
Today, most health insurance policies offer a second opinion as an inbuilt benefit. Before you buy medical insurance, make sure the policy covers a second opinion as it can secure you from high medical expenses. Further, it is essential to read the policy wordings to have a fair idea of how it works and prevent any confusion when filing claims.