Health Insurance plans - Some common coverage of health insurance policy

Nowadays, health insurance is a necessity for people and why should not? Every individual has a risk on his health in this changing lifestyle. So, we all know what is the imporance of health insurance. But before buying a health insurance policy there are a lot of doubts that comes in your mind; What are the plans in the policy? What are the coverage of health insurance I'll got. So, we are going to discuss about the health insurance plans in this article.

Health insurance plans

• Individual health insurance- The individual health insurance plans are only for a single person. Only that particular person will get insured in that policy. The premium of the policy depends upon the age and medical conditions of that person.

• Family Floater health insurance plans- Family floater health insurance plans is a type of plan that covers the family members. For ex. Partners, their kids, and their parents. The advantage of this plan is that you will get some discount by buying this policy instead of buying a individual policy for every single family member. The premium of this policy depends upon the age and medical conditions of family members.

• Senior citizens health Insurance plan- These type of health insurance policies are for senior citizens only because with the increase of the age the risk of getting disease is also increases. You should buy this plan for your parents instead of including them into the family floater policy as this will rise the whole premium of that policy.

• Critical illness health insurance plans- Earlier insurance companies usually don't used to cover the critical illness like heart diseases, paralysis, kidney failure etc. But know they have critical illness health insurance plan for these types of diseases. The premium is usually high of this policy.

• Group health insurance plans- Usually all of the companies insure their employees by buying the group health insurance policy. As the insurer gets the buisness in bundles. So they give some extra discounts. Usually the sum insured is high in this plan and the premium is low.

Some common coverage of health insurance policy

• In patient treatment- Insurer covers all the expenses of insured like room rent, medicines, doctor fees etc. in the case of hospitilization. But insured has to be hospitilized for minimum 24 hours.

• Pre-hospitalization expenses- Insurer covers all the expenses that insured spent before getting hospitalized. The number of days depends on the plans that you have bought. Sometimes it is 30 days and sometimes it is 60 days.

• Post-hospitalization expenses- Insurer covers all the expenses that insured spends after discharge from hospital. The number of days depends upon the plan you have bought. Sometimes it is 60 days and sometimes it is 90 days.

• Organ donor expenses - Insurer covers all the expenses that occurs while the organ transplanting. Isurer covers all the expenses of insured and the organ donor too.

• Domiciliary treatment- If there aren't space in the hospitals or the insured is not in the condition that he can go to the hospital. Then insurer covers the whole expenses of giving the treatment to the pateint at the home.

• Global cover- If insured wants the treatment in foreign countries or the treatment is not availabe in that particular country then, the insurer covers whole the expenses of hospitalization in foreign countries too. But the expenses of travelling has to bear by the insured.

• Restore benefit- If insured has used his 100% sum insured then he will get the 100% sum insured again but only once. This cover is not in every plan. It depends upon the plan you have bought.

• Ambulance cover- Insurer covers the expenses of ambulance also but the maximum sum insured for the ambulance is depends upon the plan you have bought.

• Meternity cover- This cover is only available for females. In the case of birth child she will get a fixed amount from insurer. Different companies have different sum insured in this cover.

• First year vaccinations cover- Insurer covers all the expenses of vaccines that occurs after the birth child. The time period and sum insured for this particular cover is different in different companies.

• Health checkup- Insurer offers the insured for health check-up in the case that if the insured didn't claim for the policy period.

• Consumable expenses- Some companies also covers the expenses of consumables like scissors, blades, needles, masks, etc.

• Accidental death benefit- In the case of death of insured. The nominee mentioned by the insured will get upto 100 % amount of sum insured.

• Bariatric surgery- If the insured get fats beyond the BMI limit mentioned by the insurer in policy wordings. Then he will get all the expenses if he wants to cut out his fat by surgery.

• Second opinion- If the insured is not satisfied of treatment and he wants treatment or checkup again then insurer will cover whole the expense relate to that.

• Compassionate travel- If the insured gets hospitalized beyond the number of days insurer has mentioned in the wordings then his family will get the travel expenses if they are in other city. But only few companies offers this cover.

• Ayush benefit- Some companies also covers the ayurvedic treatment. If you want a ayurvedic treatment you will got cover for that also.

• Prolonged hospitalization benefit- Insurer also covers those expenses that occurs if the insured gets hospitilized for a long time for a particular disease.

• Daily cash for choosing share accomodation- If the insured getting hospitalized in shared accomodation. Then, he will be payable for a fixed amount by insurer.

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