As you all know that salubrity is Wealth, the health is essential for our life. It plays a significant role in our daily life and routine of work. It helps perform different types of functions and actions in a specific order to complete our work quickly.
But it also occurs sometimes that we cannot care about our health and fall ill and sometimes the illness becomes so worst that we have to spend a lot of money to cure ourselves. So, many insurance companies are nowadays providing health insurance to protect our health as well as wealth.
Health insurance is essential when planning your future. Many people in India are insecure about buying health plans because of its complex rules and regulations. Also, many people misunderstand that medical insurance only pays for the expense incurred due to hospitalizations.
A salubrity insurance plan has several advantages that you (the policyholder) can assist. However, before we can fall into the benefits of health insurance in India, let us understand the right way. The health insurance plan will financially cover your medical and surgical expenses suffer over a lifetime.
In simple words, it is an agreement between you and your insurer. So, after the annual premium payment, the insurance provider will pay for your hospitalizations and other medical expenses as listed under your plan.
(1) Health insurance benefits in India
Cashless claim benefits Insurer in India provides the cashless claim settlement facility to the salubrity insurance policyholders. With this facility, the insurance will compensate the claim money directly with the hospital.
Hence, note the patient should be seeking treatment at one of the network hospitals join the insurer. But there are many terms and conditions included in these types of insurance. The insurer will get a regular amount of money to the insured credit balance.
(2) Alternative treatment
Many health insurance companies cover alternative therapies like Ayurveda and homeopathy. These insurance companies take a small amount of money from us at daily wages. At the time of need, i.e., when you become ill, it will provide you a complete high-quality treatment of Ayurveda or homeopathy.
In this type of insurance, the amount of money is relatively meager. This is because the amount required of the medicine through the Ayurveda and homeopathy is insufficient relative to other therapies.
(3) Recovery benefits
This benefit is also known as recovery benefit, under which the insurance takes care of the 'recovery expenses' of the insured. Any additional cost that force arises due to an insured's hospitalizations like the replacement of loss of income of the insured.
(4) Domiciliary treatment
It covers the treatment that is taken at home under medical custody. Hence, there is a limited on the number of days for which the benefits are provided.
(5) Expenses incurred in organ removal
Cover an expense before an organ transplant is considered one of the best health insurance benefits. Some insurance covers the entire cost, while many others have a cover on these expenses.
(6) The daily hospital cash allowance
This is an additional financial cover offered, which includes the cost of food and travel. It is made for the people engaged in a hospitalized activity like doctors, nurses, and many other hospital staff.
(7) Attendance allowance
Health insurance in India offers an attendant allowance for those adults who accompany the insured to the hospital. However, the insured need be a child, and the number of days for which an insurer will pay for the allowance is fixed.
For example, if an insurer is a child of age 15 years, he will be delivered the amount of insurance until it will not become an adult. As soon as he became an adult and be ill, he will compensate their insurance amount at a single transaction only included profits in the form of interest.
(8) Dental treatment
Dental insurance is a short time low amount of insurance for people having teeth problems. Many insurance companies also cover dental treatment once every few years. As the value for dental treatment is high, we could avail of such advantage of a health policy.
(9) Free health check-up
Many health insurance companies offer free salubrity check-ups to policyholders after a certain number of claim-free years. Moreover, they provided cashless check-up if the check-up takes place at an impaneled hospital.
(10) Weight loss
Bariatric surgery- Bariatric surgery is a lifesaving technique for obese patients battling with medical conditions caused due to heavyweight. Several insurance cover this surgery done for medical purposes.
(11) Additional coverage
Finally, yet importantly, you also get many other health insurance benefits in your policy. These include are ambulance coverage, vaccination expenses cover, coverage for daycare surgeries, and cover for health check-ups, to name a few.