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What is Comprehensive Health Insurance?

Living in the era of instantaneous services, tall buildings and sky-scrappers, our desires as well are touching the cloud 9. To fulfill our needs and wants we work for 10-12 hours every day without even thinking about the stress and anxiety it brings. There has been a significant increase in the number of lifestyle diseases. If not taken care of, we can even fall prey to these diseases and land up in a hospital bed.

The cost of healthcare, on the other hand, has risen significantly, which makes medical treatments quite expensive and hard to access for the commoners. Having a health insurance policy comes handy in times of medical crises. Many of us often have to use our savings if a medical emergency arises, which not only impact our financial condition but also ruins our personal goals such as higher education and marriage. By evaluating our financial position and requirement carefully, we can plan and financially prepare against medical crisis through a health insurance plan.

Health insurance may not be compulsory, but we can't deny that it is essential for us. We need to take an informed decision and select the right plan for our family and us. Having a health insurance plan provides us the peace of mind knowing we will be financially covered for any unforeseen medical emergencies.

Let's understand the concept of comprehensive health insurance in brief.

A comprehensive health insurance policy offers extensive coverage and acts as a financial pillow in case of medical emergencies. Unlike basic health insurance plans, a comprehensive policy covers outpatient as well as inpatient treatments, including consultations, medical tests as well as hospital stays.

Some insurance companies offer comprehensive ​health insurance that even provides limited cover for physiotherapy, homeopathy, acupuncture, and osteopathy. Few plans also cover the expenses of oral surgery, the use of a private ambulance and home nursing. Moreover, by paying some extra cost, you can even add a routine dental and optical cover to your medical plan.

Here's a list of benefits you enjoy having a comprehensive health insurance policy-

Pre and Post Hospitalization: Covers pre and post hospitalization expenses for a month or 60 days, and the person is reimbursed after submitting bills and other cost related documents incurred during the period of hospitalization.

Day Care Procedures: Treatments like dialysis, chemotherapy, angiography, radiotherapy, appendectomy, hydrocele, eye surgery, colonoscopy, lithotripsy, etc. are covered under this policy. Some health insurance policies cover all day care procedures.

Ambulance Cover: Covers the cost of ambulance service.

Check-ups: Covers the cost of regular health check-ups as a preventive measure.

Expenses for Organ Donation: Certain comprehensive health insurance policy cover the costs incurred in the process of organ donation. In case you are undergoing organ transplantation, your donor will be financially covered by your health insurance plan.

Critical Illnesses: Some common critical illnesses covered under a comprehensive health insurance plan are paralysis, stroke, cancer, coronary artery disease, heart attack, major organ transplant, chronic lung disease, etc.

Cashless treatment: Allows you to get admitted to any listed hospital as per the list of hospitals of the insurance provider without paying anything for treatment.

There are several types of health insurance​ policy available in the market like individual health insurance, family floater health insurance, personal accident insurance, and critical illness insurance, among many others. You should choose the policy that suits your requirements and offers complete coverage. Buying a health insurance policy is an essential part of your financial planning.