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Comprehensive Health Insurance

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.

Benefits of comprehensive health insurance plan

policyholders get the following advantages by purchasing a comprehensive health insurance policy:

  • Extensive treatment coverage

    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.

  • Cashless treatment facility

    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.

  • Wider coverage

    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.

  • Add-on covers

    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.

  • Outpatient treatment

    Comprehensive health insurance plans may also cover outpatient treatment costs, including doctors’ fees.

List of things comprehensive policy covers

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:

  • In-patient hospitalisation: If the patient requires hospitalisation
  • Pre and post-hospitalisation: Additional care before and after hospitalisation
  • Domiciliary hospitalisation: If patients undergo hospital-like treatment at their home
  • Organ donor expenses: Expenses associated with organ donation procedures
  • Outpatient treatment: Doctor’s fees and other expenses for outpatient treatment
  • Emergency ambulance: Coverage for ambulance expenses in case of emergency
  • AYUSH treatment: Expenses for alternative treatments under AYUSH

Reasons to buy a comprehensive health insurance policy

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:

  • Protection against medical inflation
    Individuals can easily beat the ever-rising cost of treatment, medicines, diagnosis, and other medical expenses by covering themselves under a comprehensive insurance plan.
  • Manage emergency conditions
    A medical emergency comes without any prior notice. Individuals need to stay fully prepared for unforeseeable expenses of medical treatment with the help of a comprehensive health insurance policy.
  • Changing lifestyle
    The stressful and sedentary lifestyle that people lead presently can cause several diseases such as diabetes, heart diseases, and kidney ailments. A comprehensive health insurance policy covers the treatment expenses of all such diseases. Pre-existing disease cover and critical illness treatment cover are added advantages in this regard.
  • Taxation benefits
    Under Section 80D of the Income Tax Act, the Indian government entitles policyholders to decrease their tax liability up to Rs. 25,000. This way, individuals can get financial respite and secure their emergency medical expenses simultaneously by purchasing a comprehensive health insurance plan.
  • Savings protection
    Generally, a life-threatening or chronic illness can severely impact the hard-earned savings of individuals. An insurance policy can safeguard their savings despite undergoing effective medical treatment from a reputed hospital.
  • Emergency ambulance
    Coverage for ambulance expenses in case of emergency
  • AYUSH treatment
    Expenses for alternative treatments under AYUSH

Frequently asked questions

1. Which type of health insurance offers the most comprehensive care?

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.

2. What is a comprehensive major medical policy?

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.

3. What are the types of health insurance?

Here are the major types of health insurance policies available in India:

  • Individual health insurance plan
  • Family health insurance plan
  • Comprehensive health insurance
  • Senior citizen health insurance policy
  • Critical illness insurance policy
  • Top-up health insurance plans
  • Mediclaim

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