Get a better understanding of comprehensive health insurance by going through its benefits below:
1. Wider Coverage
A comprehensive health insurance policy comes with wider coverage. It provides coverage for in-patient hospitalization expenses along with pre and post-hospitalization expenses. It also covers the cost of availing road ambulance services and day care procedures. Most plans also offer coverage for AYUSH treatment, organ donor expenses and domiciliary hospitalization expenses. In some plans, maternity expenses may also be covered after a waiting period.
2. Covers the Entire Family
Most comprehensive health insurance plans in India provide coverage to the entire family. You can cover your spouse and children under the same policy with you. Some plans may also extend coverage to your parents and parents-in-law. The sum insured may be either available on an individual or floater basis.
Unlike basic health plans, most comprehensive health insurance plans provide coverage for outpatient treatment or OPD expenses. It pays for the OPD consultation cost that you may incur if you visit a doctor without the need for getting hospitalized.
4. Pre-existing Disease Coverage
All comprehensive health insurance plans provide coverage for pre-existing diseases. However, such diseases are covered only after a waiting period. Generally, pre-existing diseases come with a waiting period of 2 to 4 consecutive years.
5. Riders/Add-on Covers
Besides basic coverage, a comprehensive health plan also comes with a few riders or add-on covers. You can purchase these riders to expand the coverage level of your policy. Some of the most common riders available under comprehensive health insurance plans are critical illness cover, maternity cover, hospital daily cash, personal accident cover, etc.
6. Cashless Treatment
Just like regular health plans, a comprehensive health insurance policy also offers cashless treatment facilities to its policyholders. Under cashless treatment, the hospital bills are directly paid by your health insurance company. All you need to do is visit a network hospital of your insurer to avail cashless medical treatment.
7. Cumulative Bonus
A comprehensive health insurance policy comes with a cumulative bonus benefit. It increases your sum insured by a certain percentage if you do not raise any claim in the previous policy year for no extra cost.
- In-patient hospitalization
- Day care treatment
- Organ donor expenses
- Domiciliary hospitalization
- OPD treatment
- AYUSH Treatment
- Emergency ambulance