A comprehensive health insurance policy is a type of health insurance that offers a wide range of coverage against the expenses incurred due to medical exigencies. It covers the costs of hospitalisation, in-patient/outpatient treatment, ambulance charges, etc. It lets policyholders enjoy complete financial protection against a medical emergency and secure their peace of mind.
Comprehensive health insurance gives policyholders several added advantages. It covers expenses for cost-intensive treatments such as chemotherapy and dialysis, which are otherwise not covered under general health insurance schemes. A comprehensive insurance policy also covers the treatment expenses of critical illnesses like heart attack, stroke, cancer, paralysis, etc. In addition, such plans also cover organ donation expenses.
Most comprehensive insurance policies also give a monetary cushion in case the insured patient undergoes physiotherapy, acupuncture, AAYUSH treatment, or osteopathy. These are some exclusive coverages that a general health insurance plan does not include.
policyholders get the following advantages by purchasing a comprehensive health insurance policy:
Insured individuals get coverage against the expenses incurred to treat both accidental injuries and some critical illnesses under this single health insurance plan. Carefully read the policy brochure to know which critical illnesses are included in the policy.
Policyholders can avail of cashless treatment at network hospitals. This facility lets them get the treatment started without making any upfront payment. The insurer directly settles the bills of medical treatment to the hospital.
A comprehensive medical insurance policy also covers alternative modes of treatment, including AAYUSH, physiotherapy, acupuncture, etc. Since it may vary across the insurance companies, individuals need to confirm the inclusions while buying the policy.
Individuals can enhance their insurance coverage by including several add-ons within their comprehensive health insurance plans by paying a little extra. This maximises financial protection against unpredictable health complications.
Comprehensive health insurance plans may also cover outpatient treatment costs, including doctors’ fees.
Customers need to read the policy brochure properly to know every aspect of their coverage, including the amount they can get against all the above-mentioned circumstances. The comprehensive health insurance coverage type and the amount may differ with different insurance providers.
Following are the some of the major aspects a comprehensive health policy covers:
A comprehensive health insurance policy includes all the treatment expenses that general health insurance will cover, such as in-patient treatment, pre and post-hospitalisation expenses, ambulance charges, etc. In addition, comprehensive plans also cover outpatient treatment expenses, critical illnesses like cancer, heart attack, stroke, paralysis, etc., pre-existing diseases, etc. Moreover, comprehensive plans also cover expenses related to alternative treatments under AYUSH, Ayurveda, homoeopathy, etc., as well as procedures such as physiotherapy.
Following are some major reasons for which individuals need to stay covered under a comprehensive insurance policy:
Individuals can get a comprehensive health insurance policy to ensure substantial coverage against rising medical expenses. They can also include add-ons with this policy to maximise their coverage.
A comprehensive major medical policy is an insurance plan that gives sizeable coverage against affordable premiums. In addition, it also provides coinsurance benefits, which is a combination of basic and major medical coverages.
Here are the major types of health insurance policies available in India:
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