An all-encompassing plan that offers significant protection against medical emergencies, and lifelong renewability is referred to as a comprehensive health insurance policy. It offers you financial assistance to pay for a variety of medical costs, such as hospitalisation costs, daycare costs, ambulance fees, etc.
What are the coverages of comprehensive health insurance plans?
Plans with comprehensive health care are renowned for their broad policy coverage. Here are a few of the most popular coverage options offered by comprehensive health insurance in India:
- In-patient hospitalisation
- Day care services
- Domiciliary hospitalisation
- Hospitalisation at home
- OPD treatment
- AYUSH treatment
- An emergency ambulance
It is best to evaluate health insurance policies before purchasing in order to choose the one that best suits your needs in terms of coverage, perks, and cost.
Why purchase an all-inclusive health insurance policy?
The greatest option for covering such high medical costs in such a circumstance is to purchase a comprehensive health insurance policy. It guarantees that your insurance provider will cover your medical costs, relieving you of any financial pressure and preserving your hard-earned funds.
Check out the advantages of comprehensive health insurance listed below to gain a better grasp of it:
- A broader coverage
Wider coverage is a feature of comprehensive health insurance. Along with pre and post-hospitalisation costs, it covers inpatient hospitalisation fees. Additionally, it pays for daycare procedures and the expense of using road ambulance services. The majority of plans also provide coverage for costs associated with AYUSH treatment, organ donation, and in-home hospitalisation. Maternity costs might also be covered in some plans after a waiting period. *
- Covers the entire family
The majority of complete health insurance plans in India cover the entire family. Under the same policy as you, your spouse and children are also covered. Your parents and parents-in-law may also be covered under certain plans. Either an individual or floater basis for the insured amount is possible. *
- Out-patient treatment
Most comprehensive health insurance plans, as opposed to basic health plans, cover outpatient care or OPD costs. Without having to be admitted to the hospital, it covers the cost of any OPD consultations you could have. *
- Coverage for pre-existing conditions
Pre-existing conditions are covered by all comprehensive health insurance plans. However, after a waiting period, such illnesses are covered. Pre-existing conditions typically require a waiting period of two to four continuous years. *
- Additional covers/riders
A comprehensive health plan also includes a few riders or add-on covers in addition to the essential coverage. To increase your policy’s level of coverage, you can buy these riders. The most popular riders included in comprehensive health insurance packages include those for critical illness, pregnancy, hospital daily cash, personal accidents, etc. A health insurance premium calculator is a tool you may use online to determine the amount of coverage required based on your needs. *
- Cashless services
A comprehensive health insurance coverage provides its customers with cashless treatment options, just like ordinary health plans do. In a cashless procedure, your health insurance provider pays the hospital fees in whole. To receive cashless medical care, all you have to do is go to a network hospital of your insurance company. *
- Cumulative bonus
A cumulative bonus (CB) benefit is included with a comprehensive health insurance plan. If you didn’t file any claims during the previous policy year, it increases your sum insured by a set percentage at no additional expense. *
The best choice you can make for your family’s health and your own is to purchase comprehensive health insurance coverage. Without having to worry about paying medical fees, you will be able to select the best treatment. Additionally, you will prevent the depletion of your money.
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.