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Hospitalisation Coverages Under Health Insurance

Know about Health Insurance Coverages

What is Health Insurance?

Health insurance is an insurance which covers the insured individual from medical and surgical expenses. Given the rapidly increasing inflation, hospital bills can burn a large hole in your pocket. Health insurance helps you in such scenarios.

Additionally, as per a report by Mercer Marsh Benefits, the medical inflation rate will be 10 per cent while the general inflation will be 5 per cent. Employee health insurance rarely covers all expenses related to hospitalization.

Why is Health Insurance important?

Having a health insurance policy is essential to secure your savings. Sudden hospitalization can lead to long term loss of income. It becomes more complicated if it is the sole bread earner who is hospitalized.

With hospitalization coverage, you can get protection from the following expenses:

Benefits of having a Health Insurance policy-

Ambulance charges - In an emergency, getting medical attention on time is crucial. Ambulance costs are covered allowing you the ability to get to the nearest hospital rapidly.

Pre to Post hospitalization cost coverage - Your insurer also looks after the post and pre hospitalization charges for up to 60 days, before and after hospitalization.

Room Rent - A two bed hospital room can cost thrice as much as a general ward. Room rent coverage ensures that you can receive visitors in relative privacy and comfort.

Regular medical checkup - The insurer also offers free health checkups on an annual or bi-annual basis depending on the terms of coverage.

No Claim Bonus (NCB)- If you do not file a claim during your insurance tenure, then you will receive a bonus from the insurer in the form of higher coverage or lower premium on renewal.

Tax Benefits - The premium you pay for your health insurance policy is tax-deductible under section 80D of the Income Tax Act.

A medical emergency can occur any time; hence, health insurance is advisable.

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