Ensure Your Health Insurance Plan Includes Coverage for These Treatments

Medical emergencies come unannounced and often take you by a surprise. That is why you need to stay prepared to manage them. With a health insurance policy, you can ensure these uncertain events in your life have the necessary financial coverage. Health insurance policies will not avoid an ailment, but help you have the required monetary safeguard to manage it.


Among the plethora of plans to choose from, buying online health insurance plan can be perplexing. There are several permutations and combinations that make form different policies with varying features. This article enlists some of the crucial coverage you need to look for when buying a policy.

Age factor

Age plays a crucial role when it comes to picking a health insurance plan. The age of the people that need to be insured is what helps you to decide which policy is suitable. For instance, health insurance plans for family decide its premium based on the eldest member of the family. This can increase the premium for the entire coverage. Also, entry age is critical to look for since some plans allow the policy to be purchased only up to a specified age. This needs to be looked especially when buying health insurance for older individuals.

Premium vis-à-vis the policy features

The next thing to factor in is the premium charged for your policy as compared to the features offered. Price is an essential consideration that determines whether you purchase a particular plan or not. However, it must not be the sole determinant. Sometimes better features may be available at an affordable price however, not always it may be possible. For some crucial features, you might need to opt for a policy that isn’t the cheapest.

Cashless hospitalisation

Another essential coverage to seek in your health insurance policy is the cashless facility. With this feature, you no longer need to pay the entire cost of treatment. The insurance company has a list of affiliated hospitals where the treatment cost is directly paid by the insurance company to the medical facility. It further eliminates the requirement of maintaining paperwork at the time of claim. The only amount you will be required to pay for is if a particular expense exceeds the policy scope. This cashless facility can also be availed under the Arogya Sanjeevani policy.

Maternity Coverage

Maternity coverage is often ignored by buyers. Since the expenses associated with delivery costs and other maternity car are sky-high, it is recommended to ensure maternity coverage forms part of your health insurance policy. Further, this coverage has generally a waiting period of 12 to 24 months before the coverage kicks in. Thus, it is beneficial to include maternity coverage as part of health policy so that the childbirth costs are covered by your insurer.

Coverage for preventive health check-up

Preventive health check-up is where it helps you diagnose ailments at an earlier stage in your life. This facility helps to seek prompt treatment thereby lowering the risk of fatality.

These are some of the essential coverage that can help your secure all-round policy cover. Keep them in mind when buying your next insurance policy. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.