Buying the best health insurance plans for your family can benefit you in multiple ways. Following are the benefits which are available health insurance for your family.
Health insurance policy that covers your medical expenses incurred during hospitalization only. It offers medical coverage for hospitalization expenses up to the sum insured limit. Health insurance also offers cashless treatment facilities to the insured at any hospital of their choice.
Health Insurance policies cover in-patient hospitalization expenses, such as OT expenses, doctor’s fees, nursing charges, medicine costs, room rent, ICU charges, etc., incurred due to an illness or accidental injury. Moreover, the coverage is available on an individual and a floater sum insured basis.
With the increase in lifestyle diseases today, the cost of hospitalization and healthcare are touching the roof. By buying a Health insurance policy, you can get financial support during hospitalization in case of a medical emergency or a planned treatment.
Health Insurance Major Benifits
Take a look at the most common coverage available under health insurance plans
- In-patient Hospitalization Expenses - Any medical expenses incurred on hospitalization of more than 24 hours due to an illness or accidental injury is covered.
- Day Care Procedures - It covers the cost of day care procedures that require hospitalization of less than 24 hours.
- Ambulance Charges - The expenses incurred on availing ambulance services to the hospital during a medical emergency are covered.
- Pre and Post-Hospitalization Expenses - The medical expenses incurred before hospitalization (medical investigation, tests, etc.) and after discharge (follow-up consultation, etc.) are also covered up to a certain number of days.
- Organ Donor Expenses - This covers the cost of harvesting a donated organ in case of an organ transplant.
- AYUSH Treatment - Any hospitalization expenses incurred to avail treatment through Ayurveda, Homeopathy, Yoga, Siddha and Unani are covered.
- Domiciliary Treatment - This pays for the medical expenses incurred on availing treatment at home on the advice of a doctor.
- Consumables Cover - Several family plans also cover the cost of consumables or non-medical items, such as syringes, gowns, cotton, diapers, etc.
