Whenever you take a health insurance policy, take it carefully. How is a comprehensive health insurance policy different from general health insurance and how much is the difference in their premium, know the details…
Siddharth Singhal :Due to the cost of health services, the expenses incurred during the treatment of any disease have a huge impact on our pocket, in such a situation, health insurance is the only option that can easily cover the policyholder during any medical emergency. Provides access to health services. Expenses incurred during regular check-ups, mental health coverage, maternity coverage etc.
are not covered in a normal health insurance policy. But if the policyholder opts for a comprehensive health insurance policy, it can help protect the policyholder and his family from financial trouble in case of any unforeseen illness or injury. This policy is considered to be the most comprehensive form of medical coverage, designed with the objective of providing a comprehensive coverage of medical services and treatments to the individual.
High sum insured
The most important advantage of a comprehensive health insurance policy is that it also provides coverage for medical expenses incurred during the treatment of critical diseases such as heart disease, cancer, respiratory diseases caused by pollution, lung cancer etc. The cost of treating these diseases can range from 30 to 40 lakhs, and due to lack of an adequate insurance, the treatment of these diseases can put a heavy burden on your pocket.
Hence it is advised to choose an adequate amount to avoid costly hospitalization and treatment expenses. For example, a policy offering Rs 1 crore coverage comes at an affordable monthly premium of Rs 1100-1200, and ensures complete protection in case of any medical emergency. However, the premium amount depends on your age and health condition.
Add-on cover
Apart from the basic coverage, a comprehensive health insurance policy also includes riders like critical illness, regular check-up expenses, consumables cover, personal accident cover etc. At a small additional premium, these riders or add-ons ensure that you get adequate health services during any medical emergency without any financial stress.
Covers the whole family
It is also very important to take care of the health of your family along with yourself, so while choosing any health insurance policy, the needs of the family should also be kept in mind. For example, a family consisting of husband, wife and two children should opt for a floater plan. However, a family with elderly parents with older, working children should buy a separate health insurance policy and senior citizen policy.
Mental health coverage
Problems related to mental health are as worrying as any other physical illness, for which it is very important to have the right treatment on time. Comprehensive health insurance policies usually also provide coverage for mental health services including therapy and counseling, which is very beneficial for all individuals who are struggling with mental health issues.
Maternity coverage
Motherhood is a very important moment in the life of any woman. But to live this time with complete joy, financial planning is very important. Because during the maternity period, before delivery and after delivery, the woman needs proper medical care.
Therefore, if you are planning to raise a family, then you must choose the option of maternity benefit along with health insurance plan. It not only provides access to better healthcare during the maternity period but also reduces the financial burden on your pocket.
Most of the time, there is a waiting period of two to four years depending on the policy before providing maternity benefit, although now many such policies are also available in which the waiting period has been reduced to one year.
OPD coverage
Generally, a claim for health insurance can be filed only when the person is hospitalized and has spent more than 24 hours. But if you opt for OPD cover along with the traditional health insurance cover, you can claim the medical cost incurred during the treatment without hospitalization. Medical consultation, diagnostic test, cost of medicines etc. are covered under OPD cover. Opting for OPD cover with health insurance would be a very smart decision for individuals who require regular check-ups from time to time.
