A comprehensive health insurance plan offers broad coverage against medical emergencies. Health problems do not book an appointment before knocking at our doors. And with medical costs rising with each passing day, treating the illness can be mentally draining. Financial stress is the last thing you want to feel when you are already frail and feeble. That's when comprehensive health insurance comes into play. It acts like a financial cushioning that you can fall back on in case of any medical crisis. It ensures that you are covered against most treatments and procedures under a single plan.
What does comprehensive health insurance cover?
While we know comprehensive health insurance
is a necessity in current times, it is imperative to understand what's covered under this plan. So, let's explore them now:
This type of health insurance policy compensates for hospitalisation expenses. However, it also indemnifies expenses incurred before hospitalisation and post discharge. Pre-hospitalisation expenses include consultation charges of a doctor, blood tests, and medical screenings conducted for diagnosis. Furthermore, post-hospitalisation expenses include the cost of medicines, follow-ups, and medical tests. *
Read the terms and conditions thoroughly to know how many days before hospitalisation and after discharge are covered under the policy. It's generally 30 and 60 days respectively.
Coverage for day-care treatment
Medical procedures that require less than 24 hours of hospitalisation are considered day-care treatments. Thanks to medical advancements, we do not have to be hospitalised for more than 24 hours even after undergoing complex procedures such as cataract surgery. A comprehensive health insurance
plan offers coverage for such day-care treatments as well. *
Ambulances come to our rescue when we fall severely ill. The cost of availing of ambulance services is covered under comprehensive health insurance policies. However, the number of ambulance trips covered under the plan can be different for each insurer. So, do not forget to know these minute details from your insurance provider. *
Domiciliary hospitalisation is when a patient is being treated at home. Unavailability of beds in the hospital, inadequate medical facilities, incapability of moving the patient to a hospital, etc., are a few reasons why patients are treated at home. Expenses incurred on such medical treatments are covered under a comprehensive plan. *
AYUSH treatments are alternative methods of healing which include Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homoeopathy. While these types of treatments were not covered under health insurance before, health insurance companies have started compensating for the same. *
Organ donor expenses involve two people. The patient that requires a new organ and a donor who donated their organ. A comprehensive health insurance plan covers expenses incurred in undergoing an organ transplant. The expenses include hospitalisation charges, pre- and post-hospitalisation expenses, and more. *
Pre-existing disease coverage
Since the whole idea about insurance is covering unforeseeable expenses, can you really claim coverage against pre-existing diseases? The answer is yes, you can. You can claim insurance against health conditions like asthma, diabetes, blood pressure, etc. However, such diseases are covered only after a fixed waiting period. *
What is not covered under comprehensive health insurance?
As an individual who wants to buy a comprehensive health insurance plan, you must also know what's excluded under it. So, here's a gist of treatments, illnesses, and procedures that are not included in this policy:
A comprehensive health insurance plan does not cover cosmetic surgeries such as Hair transplantation, Botox, Liposuction, and other similar procedures. Unless you are required to undergo such surgeries as a part of any medical treatment, your insurance provider won't cover its cost.
Infertility or pregnancy-related complications
In case you are hospitalised due to infertility or pregnancy-related issues, your comprehensive health insurance plan will not cover its cost. While no health plans cover infertility, maternity insurance plans offer coverage against abortions, normal delivery, and c-section. You can also check out health plans specific to women for such expenses.
Tonics and other supplements
A comprehensive health insurance plan does not cover expenses incurred on tonics and supplements. However, if your doctor has prescribed them to you, the cost can be claimed. It is best to refer to your policy documents to confirm if health supplements are covered.
Diseases caused by overconsumption of alcohol
If you are diagnosed with a health issue caused by alcohol consumption, it won’t be covered under a comprehensive health insurance plan.
* Standard T&C Apply
To sum it up
A lot of people refrain from buying health insurance due to the lengthy offline process. However, thanks to the internet, you can now buy health insurance online. All you have to do is research about your preferred insurers and get a quotation using the health insurance premium calculator
A comprehensive health insurance plan proves to be lucrative every time we find ourselves amid a medical crisis. It will help you cope with the financial stress of paying healthcare bills like room rent, consultation charges, diagnostic tests, medicines, etc. However, avoid raising a claim against procedures and diseases that are excluded from the plan.
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.