Your Health Insurance Covers You in Multiple Ways – Find Out!
Your Health Insurance Covers You in Multiple Ways – Find Out!
Published on November 12, 2021. EST READ TIME: 3 minutes
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Today, most people in India understand the importance of having a health insurance policy and how it can help afford quality healthcare facilities and even save tax. And yet, while taking health insurance plans, most people believe that it will protect their finances only in case of hospitalisation, and at best, reimburse the expenses on medicines that are bought a few days before and after hospitalisation. However, a health insurance policy is far more beneficial than that. For example, what if you want to go for an alternative form of treatment, will your health plan step up to save the day? Let’s discuss some unique coverage features that you may not have paid attention to while taking your policy.
Things you didn't know about health insurance covers
• AYUSH treatment:
AYUSH stands for Ayurveda, Yoga, Unani, Siddha and Homeopathy. Due to the rise in popularity of these alternative treatments, the IRDAI has directed all insurance companies to include AYUSH treatments in their health insurance policies. This means, all medical expenses incurred for in-patient treatment under AYUSH will be covered. But the treatment must be at a government hospital or any centre approved by the government.
• Complimentary health check-ups:
No matter how healthy you are, regular health check-ups will help you to detect any potential health risk and take preventive measures. Most health insurance plans offer health check-ups for the insured, which can be availed at no additional cost. However, the frequency of check-ups depends on the policy that you have bought and on the insurance provider.
• New-born baby cover:
Many insurance companies are now offering new-born coverage in their health insurance plans. So, instead of buying a separate plan to cover new-born baby expenses, buy a comprehensive health insurance plan that also covers the hospitalisation expenses of your new-born right from day one.
• International coverage:
Do you want to avail medical treatment abroad but can’t because your health insurance is limited to India? That’s not the case with all policies. There are some plans that offer international coverage benefits wherein you will be reimbursed for the treatment availed even outside India. Check the terms and conditions of your policy document to know which are the countries or network hospitals where you can avail this benefit.
Conclusion
Health insurance plans offer a host of benefits, some of which you may not be aware of. Hence, it’s advisable to read the terms and conditions of your policy clearly before you take a call. Always look for one that offers extensive coverage so that it comes in handy when you actually needit.
Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.
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