Benefits of Comprehensive Health Insurance Plan
Health and well-being have never assumed as much focus and importance as it does today. While eating right, exercising, and practising good social habits are the best ways to stay safe, we have enough and more examples of unexpected health scares and contagions like COVID-19 that can strike out of the blue.
12 Benefits of having a comprehensive health insurance plan
Health insurance offers an unparalleled security net from expected and unexpected health issues. It ensures that you and your family members get the best possible medical care while preventing your savings from getting depleted in the event of a major hospitalization. Unlike a life insurance plan that secures the financial future of your loved ones, a health insurance plan aims to safeguard your health so you can live a longer and healthier life.
While there are hundreds of different health insurance plans, each offering a different scope of coverage, comprehensive health plans provide an umbrella coverage with a host of services and value-added benefits. Here are 12 of them:
All-round protection: Whether it is an unfortunate accident or a life-threatening critical illness such as cancer or heart disease, a comprehensive health insurance plan covers all kinds of health issues.
Known and unknown issues: COVID-19, swine flu, or any other pandemic that may be a health risk are automatically covered under your comprehensive policy.
All medical expenses covered: Right from OPD treatments, ambulance cover, pre-hospitalization, medicines, surgery, and post hospitalization care, every possible medical expense is covered.
Cashless claim: You or your family don’t have to fill lengthy forms, submit stacks of bills, and worry if your claim will be rejected. From the moment your requisition is accepted, all costs are taken care of without you having to dip into your pocket.
Wide hospital network: Wherever you may be in the country, your healthcare needs won’t be compromised. What’s more, treatment in network hospitals costs less and claims processing (being cashless) is quicker.
Alternative treatment options: In addition to all allopathic treatments, you can also claim coverage for AYUSH options such as homoeopathy and Ayurveda.
Consumables expenses: Items such as syringes, needles, medical gloves, gowns, and other devices and tools required for medical care are often excluded from standard insurance coverage, but not from a comprehensive policy.
Domiciliary treatment: It covers at-home hospitalisation if the patient cannot make it to the hospital or is advised to avail of treatment at home - as has often been the case on account of COVID-19.
Daily hospital cash allowance: A comprehensive plan pays out an allowance so that even sundry expenses during hospitalisation (attendant’s food, lodging, travel, etc.) are taken care of.
Free preventive care: You get this in the form of annual complimentary health checkups and fitness monitoring through apps, allowing you to be on top of your health and avoid any undiagnosed issues.
Personal accident cover: Pays out 100% of the sum assured in the event of a fatal accident so that your family’s financial future is secured even in your absence.
Renewable lifelong: Irrespective of your age or claims made, continuous payment of premium enables you to enjoy the benefit of insurance as long as you need it.
These are just a few of the many benefits of opting for a comprehensive health insurance policy, such as Tata AIG’s Medicare plan. This policy has been designed by keeping in mind every healthcare need that may arise, and the important role health insurance plays in managing a medical emergency.
Built on a legacy of trust from the Tata Group, Tata AIG’s comprehensive health insurance policy will never compromise on your health and well-being - and neither should you. So, #ThinkAhead and buy the right family health insurance or Individual health insurance to protect your family or youself.