Are you aware of these aspects of health insurance policies?

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.

Health insurance policies also offer daily cashbenefit to meet everyday non-medical expenses during hospitalization.