Ensure Your Health Insurance Plan Includes Coverage for These Treatments

Medical emergencies come unannounced and often take you by 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.

Buying an online health insurance plan can be perplexing among many programs. Several permutations and combinations form different policies with varying features. This article enlists some crucial coverage you must consider when buying a policy.


7 features you must have in your health insurance policy


Age factor

Age plays a crucial role in picking a health insurance plan. The age of the people who need to be insured helps you decide which suitable policy. For instance, health insurance plans for families choose their premium based on the family’s eldest member. This can increase the premium for the full coverage. Also, the entry age is critical since some plans allow the policy to be purchased only up to a specified period. This must be considered, 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 compared to the features offered. Price is an essential consideration that determines whether you purchase a particular plan. 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. You might need to opt for a policy that isn’t the cheapest for some crucial elements.

Cashless hospitalization

The cashless facility is another essential coverage to seek in your health insurance policy. 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 insurance company directly pays the treatment cost to the medical facility. It further eliminates the requirement of maintaining paperwork at the time of claim. You will only be required to pay if a particular expense exceeds the policy scope. This cashless facility can also be availed under the Arogya Sanjeevani policy.

Maternity Coverage

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

Coverage for preventive health check-ups

Preventive health check-up helps you diagnose ailments earlier in your life. This facility allows seeking prompt treatment, thereby lowering the risk of fatality.

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