1. Hospitalisation Expenses
Any medical condition requiring urgent hospitalisation is covered under standard health insurance plans. However, claims are only entertained, provided the disease has not been previously diagnosed when the insurance plan was not availed.
Hospitalisation expenses incurred under the following situations are also extended by renowned insurance providers:
2. Pre and Post Hospitalisation Charges
Pre hospitalisation expenses such as diagnosis expenses, and doctors’ fees etc. can be covered by a health insurance plan.
Expenditures post-release such as medication, routine check-ups, injections, etc. are also reimbursed by most insurance companies. Compensation funds against the same can be extracted as a lump sum amount, or by producing respective bills.
3. No Cap on ICU Room Charges
Health insurance policies also cover ICU bed charges. An insured individual can also choose to stay in a private room, costs of which can be billed against the respective insurance provider, up to a specified amount or total insured amount, at the discretion of the insurance company.
4. Cover Against Mental Illness
Hospitalisation in due course for psychiatric treatment is also covered under such health insurance policies. With rising rates of mental health issues in India and globally, this facility allows individuals to seek professional help for a well-rounded life.
5. Bariatric Surgery Costs
Only specific insurance providers agree to bear all expenses incurred for surgeries aiming to help individuals overcome their obesity problems. Obesity often lead individuals to develop other related complications such as heart problems, diabetes, high blood pressure, etc. This promotes the overall wellbeing of individuals in the long run.
Such features of a comprehensive health insurance policy are adept at meeting all major medical expenses an individual might face. At slightly higher premium charges, additional benefits in the form of higher coverage facility are offered by major institutions.
6. No Room Rent Capping
Room rent of hospital rooms is covered under such health insurance policy, allowing insured individuals to recover with comfort. Total amount disbursed in such cases are specified by an insurance company beforehand.
7. Daycare Procedures
Expenses incurred for daycare treatment at hospitals such as dialysis, cataract, tonsillectomy, etc. are covered under most health insurance plans.
8. Road Ambulance Charges
A standard health insurance policy covers any ambulance expenses incurred during times of medical emergency. This poses a significant benefit as premium hospitals often charge substantial amounts for transportation.
9. Refill Sum Insured
Under such health insurance policy, you can make claims amounting up to the sum insured twice a year, provided the medical conditions are different each time.
10. No Claim Bonus
For every non-claim year, insured individuals are extended discounts or a higher sum insured (at no additional cost) in the succeeding years, that can help to reduce their premium charges payable annually or to extend their sum insured coverage.
11. Daily Hospital Cash Cover
Daily cash allowance is provided by stipulated institutions, enabling individuals to make up for the loss of pay during times of hospitalisation.
12. 0% Co-payment
Renowned insurance companies cover the entire medical bills generated during the treatment procedure of an insured individual, up to the sum insured amount. Zero co-payment mitigates the financial liability of a patient, allowing him/her to focus solely on recovery.
Know more about
13. Zone upgrade Facility
Given rising medical costs in metropolitan cities, you can opt for zone upgrade add-on cover to secure all financial requirements for treatment in premium hospitals located there.
If you hail from Zone B or Zone C cities, you can avail a zone upgrade cover with a health insurance policy from certain insurance providers like Digit, which allow you to get quality treatment from Zone A cities without any additional financial burden.
14. Domiciliary Care
Coverage against all expenses incurred for home hospitalisation is covered under comprehensive health insurance policies. This includes medication, nurse fees, injections etc. payable for comprehensive treatment of a patient.
15. Organ Donation Charges
Claims can be made against all medical bills accruing to organ donation.
All major insurance companies maintain the above-stated provisions on their insurance products. Nonetheless, various types of insurance policies are offered to attribute to specific diseases, or catering to different age groups.