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What does health insurance cover?
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What does health insurance cover?

There are numerous health insurance plans available in the market that can be availed by a variety of users. Each of these health plans are designed keeping in mind the needs of different individuals hence they have different covers. There are a lot of benefits that one may avail of from a health insurance policy. Here is a list of all the things a health insurance policy might cover:

1.Critical Illnesses

The critical illness benefits are the first kind of benefits that you get from health insurance. All the major critical illnesses are covered under health insurance plans including cancer, heart diseases and much more. You can check the full list on the policy papers.

2. Maternity Benefits

Most health policies cover the maternity benefits for every woman. Maternity benefits are covered after a waiting period in most insurance plans. However, there are a few plans that cover them from the very beginning of the policy.

3. Pre-existing Illnesses

Pre-existing illnesses are covered in most of the health insurance plans. However, it is important to note that these will only be covered after a certain waiting period. Hence you need to find a policy that has the least waiting period.

4. Pre and Post Hospitalization Charges

The pre and post hospitalization charges can also take away most of your savings in case of a medical treatment. Hence, most health policies cover all the major pre and post hospitalization charges. You can easily file a claim for these along with the treatment claims.

5. Hospital Cash Allowance

Hospital cash allowance is also included in the health insurance plans. This is the allowance that includes day to day expenditures of the patient and his or her family members. The hospital cash allowance is not a lot for most policies and can be increased by buying a hospital cash insurance add-on cover.

6. Treatment at Network Hospitals

The network hospitals are some of the biggest and the best hospitals in the country. A health insurance cover provides treatment of the patient at these network hospitals free of cost. However, there may be some terms and conditions added to it. These can be seen in the terms and conditions of the policy.

7. Health Checkups

Health checkups are also covered by some health insurances. However, there are only a few that cover health checkups. So, you need to do a little research if you want this facility in your insurance.

8. Vaccination

Vaccination after the birth of a child comes under maternity benefits. So, all the treatment of the child after being born is also taken care of by the health insurance.

9. Treatment for Chronic Diseases

Chronic diseases such as diabetes, asthma and others are also covered by health insurance. However, it is important to note that there is a waiting period applied to each policy to cover chronic disease treatments.

Things to keep in mind while choosing the best health insurance cover

You should keep in mind the following things before you buy the health insurance coverage for your family and you:

  • The amount of coverage.
  • Whether or not you will be able to pay the premiums?
  • Are all the diseases covered under the policy?
  • Does it have any additional benefits?
  • What are the inclusions and exclusions?

To Sum Up

Health insurance is necessary for every person and to buy the right one, you need to put in some effort and some research. So, make sure you do that and see whether your health insurance online has the features mentioned above included.

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Disclaimer : The information published on this website is for the public's reference only. Content of this information is to provide an overview of your Travel needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel, services, or any other items mentioned on this subject for any purpose whatsoever.

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