Health Insurance refers to medical coverage, which helps you in meeting your medical expenses via financial assistance. This type of insurance has a vital role in today’s pandemic situation to safeguard your finance. A policyholder can get the following coverage by choosing to buy the right health insurance plan or policy
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Health insurance plans offer a variety of health benefits to the insured depending on the plan. Following are the key benefits of buying a health insurance plan in India:
Hospitalization Expenses - A health insurance plan covers the medical expenses incurred on getting admitted to a hospital for more than 24 hours. It includes room rent, doctor’s fee, medicine cost, diagnostic test fees, etc.
Pre & Post Hospitalization Expenses - It covers the medical expenses that you may have incurred on an illness before getting hospitalized as well as follow-up treatment expenses incurred after getting discharged. The pre-hospitalization and post-hospitalization expenses are covered up to a fixed number of days as specified in the policy document.
ICU Charges - A health insurance plan also covers the cost of availing treatment in an ICU during hospitalization.
Ambulance Cost - It covers the cost of ambulance services availed to reach the nearest hospital during a medical emergency.
Cashless Treatments - All health insurance providers in India offer cashless treatment facilities at their network hospitals. You do not have to worry about arranging money to pay the hospital bills if you get admitted to a network hospital as it will be settled by your insurer under cashless claims.
Day Care Procedures - It also covers the cost of availing day care treatment that requires hospitalization for less than 24 hours.
Pre-existing Diseases - The best health insurance policy also provides coverage for pre-existing diseases after you have completed the waiting period. Usually, pre-existing diseases are covered after a waiting period of 2 to 4 years.
AYUSH Treatment - It covers the cost of availing medical treatment through AYUSH school of medicines that includes Ayurveda, Unani, Homeopathy, Siddha and Yoga.
Medical Check-ups - Most health insurance companies in india offer free preventive health check-up facilities to the insured at regular intervals depending on the policy terms and conditions.
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