- Today's age problem is having a peace and secureness with your health & financial matters and 'Health Insurance' a good Insurance Category that makes you protects from uncertainities.
- Health Insurance makes you worry free in your life from financial uncertanities that burdens you at the time of illeness / injuries / accidents.
Below are the Health Insurance Benefits that you can get upon getting a Health Insurance for you and its explainations on what those benefits pertains to:
Room rent is the per-day room charges that a hospital charges for the patient for availing the services.
In health insurance, Room rent eligibility is the amount that an insurance company will bear on the room rent charges on behalf that patient who is insured under the company's Health Insurance.
ICU Charges means the amount charged by a hospital towards ICU expenses which shall include the expenses for ICU bed, general medical support services provided to any ICU patient including monitoring devices, critical care nursing and intensivist charges.
Pre-Hospitalization Medical Expenses are any medical expenses that are incurred before getting admitted to the hospital.
Post Hospitalization Medical Expenses are any medical expenses that are incurred after getting admitted to the hospital.
OPD Coverage means Out patient Department Coverage is a medical expenses like Doctor's fees, Diagnostic charges, pharmacy bills and such medical charges that incurred without being admitted to the hospital.
Day Care Procedure are those medical treatment like operations, Surgeries that requires hospitalization which is less than 24 hours.
Inpatient coverage is the Medical healthcare facility once admitted to the hospital and the duration of the stay is more than 24 hours (overnight stay).
It is a situation where the individual suffers sudden health issue and due to which is receiving the medical treatment at his / her home is considered as an hospitalized and insurance company will bear its expenses
Ambulance cover covers the Ambulance service cover for availing ambulance services to transport patient at an emergency situation.
No Claim Bonus (NCB) Cover that protects the earned No claim bonus, in the event of coverage is claimed
Before undergoing a plan for the operation or sometimes requires a specialist opinion for a Medical condition, in such situation the insured takes a second opinion from an another doctor. This is covered under Health Insurance.
Coverage of all the alternative treatment such as Ayurveda, Homeopathy, Unani, Sidda, Naturopathy and Yoga are covered under Health Insurance.
Medical treatment that are operated through the usage of New scientific technologies such as Robotic Surgeries, deep brain simulation, Stereotactic radio surgeries, Stem cell therapy and so on as listed by insurance company under their health insurance are covered.
Medical expense that are incurred towards your organ donor, while undergoing organ transplantation surgery and which is applicable to do so as per the law is covered under health insurance.
Unlimited Automatic Recharge is an option that is given to the insured by an insurance company for reinstating the Sum insured once after the initial Sum insured gets exhausted and can be used for an another medical requirement.
It is an unique benefit which insurance company gives to the Insured which involves Consultation through telecommunication between patient (insured) and the specialist / doctor.
Assisted Reproductive Treatment is a fertility treatment handled for the purpose of establishing a pregnancy. Expenses of such listed procedure, which if in an insured undergoes is covered under the insurance.
Transporatation expenses of a listed family member's who accompany the insured to receive a medical treatment which becomes necessity at a critical times.
Annual Health Check-up is usually a full body health check up which your health insurance policy allows you to avail it at a free of cost.
Maternity insurance cover is a coverage of all the expenses incurred at the time of delivery (be it normal or a C-section) is covered upto a pre-defined limit.
Before undergoing a plan for the operation or sometimes requires a specialist opinion for a Medical condition from a consultant / specialist doctor who stays in a foreign country. In such situation the insured takes a second opinion from an another doctor. This is covered under Health Insurance.
Personal Accident cover is a financial protection given to the insured family in case of death or at the time of a permenant disability.
Daily allowance in Health insurance means a specfic benefit amount paid to the insured at the time of hospitalization in per day basis to cover the living expenses.
In India, the insurance providers use factors like age, health condition, coverage and number of individuals to be covered to determine the premium of a health plan. Let's take the help of an example for better understanding.
At the age of 25, if you want to purchase an individual health plan of the sum insured (Rs.10 lakhs), your premium amount will be Rs.608/month. Whereas, if you want to purchase an individual health plan of the sum insured (Rs.10 lakhs) at the age of 50 with smoking habits, your premium amount will be Rs.1831/month.
If you want to opt for a higher sum insured or require a family floater plan, take the help of our health insurance premium calculator to know the correct amount.
Note: The premium values keep on changing. Please check the amount first before investing in a plan.
