Nobody presumes getting sick or harmed, but the majority of individuals will require medical attention at some point. Health insurance covers these fees as well as a slew of other advantages. Many people believe that health insurance solely covers hospitalisation costs.
Health insurance pays for vital health benefits that are necessary for maintaining your health and treating illnesses and injuries. Best Health Insurance Plans in India safeguard you against unexpectedly expensive medical expenses. Even before a user reaches their deductible, they pay less for covered in-network health care. Before a person reaches the deductible, they get free preventative care including immunizations, screenings, and some checkups.
But this isn’t the whole picture; the greatest health insurance packages also cover other costs. Due to a lack of awareness among policyholders, several Best health insurance in India advantages go underused. Remember that the usefulness of your medical insurance’s health coverage is determined not only by its features, but also by your ability to use them. Let’s take a closer look.
- Rehabilitation Benefit:
Under this heading, often known as recovering or recovery benefit, insurers cover the insured’s recovery expenses. The benefit is intended to compensate any additional expenditures that may develop as a result of hospitalisation, such as lost wages. In the situation when the policyholder is hospitalised for more than 7 to 10 days, the insurer pays a lump sum amount. Associated charges such as compassionate visits by family members are covered in some insurance.
- Alternative Therapy:
Alternative medicine has grown in popularity dramatically in recent years. Many insurance companies have responded by covering alternative treatments including Ayurveda, homoeopathy, and yoga. Best health insurance in India covers alternative treatment up to Rs 25,000. However, alternative treatments are only covered by insurers if they are performed at a government hospital or at a facility accredited by the Quality Council of India and the National Accreditation Board on Health.
- Organ Donor-Related Expenses:
A kidney transplant might cost anything between Rs 3 lakhs and Rs 5 lakhs. Having health insurance in place assures that you will not be concerned about medical costs prior to undergoing organ transplant surgery. Organ transplant surgery is covered by most general insurance companies as part of their normal health insurance policy. Some insurance cover the entire cost, while others impose a cap or provide it as an optional benefit. However, insurers only cover the cost of the organ harvesting surgery. Other expenses, such as the donor’s hospitalisation, post-surgical problems, and screening charges, are not covered by the insurer.
- Residence Treatment:
A lot of insurance companies are expanding their coverage to include medically supervised treatment at home. However, insurers have set a limit on the amount and number of days that the benefit can be used.
- Attendant Compensation:
Adults attending a child in the hospital are eligible for an attendant allowance from insurance companies. The days when an insurer pays the attendant allowance is usually set in stone. Best Health Insurance Plans in India, for example, provides a daily allowance of Rs 500 for up to ten days.
- Weight-loss surgeries (Bariatric):
Bariatric surgery is no longer viewed as a purely aesthetic weight loss procedure, but rather as a life-saving therapy for obese individuals suffering from medical issues caused or exacerbated by their weight. Bariatric procedures are covered by several insurers, if they are performed for medical reasons.
