It is a
widespread misconception that health insurance policies only cover
hospitalization costs. With each passing year, new players are making their
appearances with their own set of innovative and customer-friendly health
insurance policies. Hence, a health insurance now covers much more than just
hospitalization expenses and provides a lot of additional benefits as well.
Let’s take a look at some of the unfamiliar benefits and coverage available
with newly introduced health insurance policies.
Additional coverage of health
insurance policies
Apart
from the conventional coverage for hospitalization costs, health insurance plans cover a lot many types of medical expenses. Here are some types of
coverage available with health insurance plans that you may not be aware
of.
Alternative treatments
In early
days, health insurance companies used to shun alternative treatments from its
ambit of coverage. However, many health insurance companies now cover Ayurvedic,
Homeopathic, Unani, Siddha treatments. While some online heath insurance
policies cover these treatments up to the entire Sum Insured some online health
insurance policies cover them up to a certain limit.
OPD treatments
Treatments
that don’t require hospitalizations used to be excluded from the ambit of a
medical insurance mediclaim policy. But, nowadays health insurance policies
cover the cost of treatments like chemotherapy, cataract surgeries that don’t
require 24 hours of hospitalization. Some other OPD expenses like cost of
medicines, consultation fees and cost of diagnostic tests are also covered by
the best health insurance policy in India.
Domiciliary treatment
When
patients are not in a state to be taken to the hospitals and treatments need to
be availed in the residence of the patient only, it is called domiciliary
treatments. Of late, best health insurance policy covers this type of treatment
costs.
Additional benefits of health
insurance policies
A
medical insurance mediclaim policy comes with lot of innovative and customer friendly
features. Here are some of the top beneficial features of online health
insurance plans available in India.
Free medical check-up
Nowadays,
health insurers reward their customers with free medical check-up for not
making claims for certain years. Providers of best health insurance in India
provide this benefit for each claim free year while other providers offer this
facility once in a block of two or three years without claims.
Lifetime renewal option
Gone are
the days when health insurance coverage used to cease to exist after a specific
age. Now, many health insurance policies come with lifetime renewal option so
that policyholders can stay protected throughout their lives by renewing their
health insurance policies
Sum Insured Restoration
This is
one of the most beneficial features of newly launched health insurance policies
in India. The coverage of some online health insurance policies now gets
restored up to 100% once it gets exhausted.
Convalescence benefits
The
feature is advantageous in case of prolonged hospitalization beyond the limit
of regular coverage. Earlier, health insurance policies used to covers expenses
only up to 10-12 days of hospitalization.
