More and more people are seeking the comfort of an insurance plan to protect their families and safeguards their financial interests from any unforeseen medical burdens. Lately, there has been an aggressive rise in the number of illnesses that surround us, and with the range of policies in the market, it’s extremely hard to pick a policy that satisfies all your needs.
Most people opt for a comprehensive health cover that encompasses pre, during, and post hospitalisation expenses for everyone who is insured under the policy. A comprehensive health insurance plan is not merely one-fold, it’s a combination of an individual health insurance plan and a family-floater plan – loaded with benefits. There are a few key benefits of opting for comprehensive health coverage –
1. Pre-Post Hospitalisation Expenses
A comprehensive health insurance policy unlike most individual policy plans covers all hospitalisation expenses. The amount spent by the insurer will be reimbursed to them through the policy.
2. Day-Care Procedures
Daycare procedures such as radiation, chemotherapy, dialysis, etc. are all covered by the most comprehensive policies. The types of daycare procedures will vary from policy to policy.
3. Critical Illness Cover
A comprehensive plan usually covers critical illness and protects the individual and the family members from a disease that could be life-threatening. Diseases such as heart attack, cancer, diabetes are all covered under this.
4. Tax Benefit
Tax benefit can be received on the premium amount paid for a comprehensive health insurance plan as per the Income Tax Act (Section 80D). The amount will vary depending on the budget of that particular year.
5. Cashless Treatments
Under a comprehensive plan, you can enjoy cashless treatments in partner hospitals – that are hospitals in partnership with your insurance provider.
The market has multiple plans available currently but the key to finding the right plan for you is to research and compare different options available to you and see what matches your considerations. You should choose the policy that suits your requirements and offers complete coverage to people under the plan. To know more about Health Insurance plans available by Chola MS.