All About Health Insurance Policy

Best Features of Health Insurance Plans

Health insurance companies offer a wide range of policies, tailor-made to suit the unique health requirements of their customers. Hence, varied plans include different features related to medical treatments, surgeries, etc. Here are some of the salient features of health insurance policies:

  • Pre-hospitalization expenditures: Coverage extends to medical expenses incurred between 30 to 60 days before hospitalization is covered like medical diagnostic tests, medication, etc.Hospitalization expenditures: Includes expenses incurred during hospitalization for a minimum period of 24 hours. Expenses generally covered are hospital room rent charges, operation theatre charges, ICU charges, doctors’ consultation fee, surgery charges, and other important expenses like blood, anaesthesia, oxygen, etc.

  • Post-hospitalization expenditures: Expenditures incurred between 60 days and 180 days after hospitalization is generally covered by most insurance companies. These charges include follow-up doctors’ consultation fees, medical diagnostic tests, medication, etc. Domiciliary Hospitalization: Medical expenses incurred due to treatments undertaken at home for a period of more than 3 days.

  • Day Care Procedures: Day care procedures or medical treatments like dialysis, angiography, radiotherapy, chemotherapy, appendectomy, colonoscopy, lithotripsy, hydrocele, eye surgery, amongst others. Certain high-end health insurance plans cover all day care procedures.

  • Expenses for Organ Donation: Some health insurance companies cover medical expenses incurred in the process of organ donation. If you are being donated an organ, your donor will be financially secured by your health insurance plan.

  • Critical Illnesses: Some critical illnesses that are usually covered by health insurance companies are cancer, heart attack, coronary artery disease, stroke, paralysis, major organ transplant, chronic lung disease, Parkinson’s, etc.

  • AYUSH Treatment: Alternative medical treatments or AYUSH, which stands for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy are covered for those policyholders who have opted for it.

  • Hospital Cash: Daily expenditures for food, hospital stay, etc. that are incurred by your caretaker during your hospitalization may be offered on health insurance plans or may be available as a rider. Health insurance plans also offer compensation for the loss of income due to health issues.

  • Ambulance Cover: Health insurance policies cover expenses for ambulance service.

  • Check-ups: General health check-ups as a preventive measure are covered by some health insurance plans.

  • Vaccinations: Certain health insurance plans cover vaccination costs for bee stings, dog bites, etc.

  • Emergency Evacuation: Under emergency situations when a patient needs to be transferred from one hospital to another, health insurance plans cover expenses involved in the relocation process.

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