A part of securing your future is thinking about it today. And while doing so, opting for a health insurance plan is the first step. The general benefits of a comprehensive plan are to cover expenses for pre and post hospitalization, ambulance and room rent charges, and more.
Many assume that the health insurance plan is limited to paying only the hospital expenses. But you should know that it is not the complete picture. The best health insurance in India also covers other expenses. There are so many benefits of health insurance plans that remain unused due to a lack of knowledge.
Thus, to fully utilize your health insurance plan, you should know the following things as well:
Alternative Treatment Cover
The popularity of alternative treatment has increased in the past few years. Thus, it has resulted in insurance companies covering these alternative treatment cover in their health insurance plans. The best health insurance in India will cover treatments like Ayurveda, Unani, Siddha, and Ayush.
Note that the insurance companies that offer this coverage will only provide the benefit if the treatment occurs either at a government hospital or an institute recognized by the Quality Council of India.
Expenditure Related to Organ Donor
The best health insurance in India ensures that you will not have to worry about your medical expenditure before undergoing an organ transplant surgery. In general, insurance providers cover organ transplant surgery as part of their regular health insurance plans.
While some insurers reimburse the entire cost, others put a cap on the expenses or offer it as an add-on benefit. Do note that some insurers cover only the cost of surgery for harvesting the organ. So, the other costs, such as the donor's hospitalization, post-surgical complications, and screening cost, are not included in the coverage.
- Domiciliary Treatment Coverage
Most insurance companies have expanded their insurance cover to include treatment taken at home under medical supervision. But you will find that some insurers have capped the amount and the number of days for which the benefit is available. Thus, to find the best health insurance in India, check if the plan offers this coverage and its limitations.
- Health Check-up Allowance
The best health insurances in India allow you to avail of free periodic health checkups after every 4 or 5 claim-free years. Plus, the health insurance companies will offer cashless health checkups if the tests are done at empanelled hospitals or centers. It will be beneficial to look for health insurance plans that offer this added advantage.
- Dental Treatment Cover
Numerous health insurance plans cover dental treatment once in a few years with sub-limits. Also, some insurers cover the dental expenses in some policies if there is a mishap and need to undergo dental treatment. You can read the particular health insurance plan's policy wording to check the liability covered.
- Attendant Allowance
Many insurance companies offer the attendant allowance to adults accompanying you at a hospital in specific cases. Usually, the number of days for which the insurer will pay the attendant allowance is fixed and specified in the health insurance plan's policy document.
- Convalescence Benefit
You will find that some insurance companies take care of your recovery expenses with this convalescence benefit. With this benefit, you can cover supplementary costs that may arise due to hospitalization, such as loss of income. You will have to pay a lump sum amount in case of prolonged hospitalization, ranging from 7 to 10 days.
So, research for these benefits in health insurance plans. If you find a policy that offers all, you will have the best health insurance in India. One of the reliable insurance providers that offer these benefits is Tata AIG. You can explore their website and go through the health insurance plans offered. For any query, their pro-active team is always available!