A comprehensive health insurance plan is noted for offering a wide range of facilities and allows extensive coverage for expenses incurred due to medical treatment. It allows hospitalisation cover, OPD cover, pre- and post-hospitalisation cover, ambulance charges, etc. This is a complete medical cover that allows extensive financial protection against planned or unprecedented medical treatments.
Some of the most salient features of comprehensive health insurance include:
When you buy comprehensive health insurance, you are likely to enjoy the following benefits:
Extensive medical coverage: With the best comprehensive health insurance plan you can enjoy health insurance coverage for treating both accidental injuries and listed critical ailments under one single plan. However, be accustomed to the plan terms before purchasing.
Cashless treatment facility: A comprehensive health insurance policy issued by any insurer will maintain tie-ups with several hospitals to ensure smooth cashless treatment benefits.
Wide coverage: A comprehensive health plan allows alternative medical treatment coverage like AYUSH, acupuncture, physiotherapy, etc.
Add-on facility: You can enhance the coverage scope of your existing plan by adding befitting riders to it at a nominal additional cost. With this, you can customise your health plan to a significant extent.
OPD cover: Based on the plan terms, you may enjoy OPD coverage including doctors’ consultation fees.
| HEALTH INSURANCE | COMPREHENSIVE HEALTH INSURANCE |
|---|---|
| Limited Coverage Span | Extensive and Elaborate Coverage Span |
| Covers pre- and post-hospitalisation medical costs, additional medical costs like doctor’s consultation, medicine costs, etc. | Allows extensive in-patient hospitalisation cover, pre- and post-hospitalisation cover, critical illness cover, etc. |
| Prescription medicines are not covered | Prescription medicines are covered |
| No rider addition facility | Additional rider facility available |
Some of the principal reasons to buy comprehensive health insurance are:
Medical and financial security: Comprehensive medical insurance acts as a protective shield and ensures extensive medical and financial coverage protection.
Efficient emergency situation management: Medical emergencies may arise at any time. If you have a comprehensive health insurance policy you can handle such stressful emergencies efficiently.
Altering lifestyle: The current sedentary and stressful lifestyle contributes much to the rise of several health issues. Having offline or online comprehensive health insurance acts as a protective financial shield to handle such medical situations with ease.
Tax benefits: You are eligible to enjoy tax benefits for premiums paid towards health insurance.
Savings protection: Considering the steep medical inflation rate, a couple of days of hospitalisation is also enough to deplete a significant portion of your savings. To avoid such circumstances without compromising the treatment quality, health insurance is the only option.
Some of the standard inclusions of normal comprehensive health insurance include:
Even the most comprehensive health insurance plans may not provide complete coverage. While exclusions can vary between insurers, some standard exclusions include:
The standard list of documents that you need to buy comprehensive health insurance:
For cashless claim settlement, follow these few steps:
From the above discussion, it is evident how helpful comprehensive health insurance can be, especially under the influence of such steep medical inflation. You can buy offline or online comprehensive health insurance according to your preference and necessity.
However, before you purchase, be sure to consider certain crucial factors like premium affordability, coverage span, rider availability, waiting period, list of critical illnesses covered, inclusions & exclusions, claim settlement process, claim settlement ratio, NCB availability, customer reviews, etc. among several competent plans.
This will allow you to understand the scenario well enough to make an informed choice and decision.
