5 Essential Benefits Included in a Comprehensive Health Insurance Plan
Health is wealth, and investing in a comprehensive health insurance plan will ensure that you receive the best medical care when you need it the most. It’s essential to know what benefits are included in your health insurance plan so you can take advantage of them when required. In this article, we will discuss the five essential benefits included in a comprehensive health insurance plan.
1. Inpatient Hospitalization
One of the most crucial benefits of a comprehensive health insurance plan is inpatient hospitalization coverage. Hospitalization expenses are often exorbitant, and you may end up paying a huge bill if you don’t have health insurance coverage. With inpatient hospitalization coverage, you don’t have to worry about extensive medical bills for surgeries, room rent, and other services availed during hospitalization.
2. Outpatient Medical Expenses
Outpatient medical expenses include consultation fees, diagnostic tests, and treatment expenses for illnesses that don’t require hospitalization. A comprehensive health insurance plan covers outpatient expenses, and you can avail of cashless treatment at empanelled network hospitals. This benefit is particularly useful for individuals who have chronic illnesses or require regular medical care.
3. Pre and Post Hospitalization Expenses
Pre and post-hospitalization coverage is an essential benefit included in a comprehensive health insurance plan. Medical expenses often incur before hospitalization, such as diagnostic tests, medications or after an individual’s discharge from the hospital, such as follow-up consultations and diagnostic tests. A comprehensive health insurance plan covers these expenses for a specified period, usually up to 30 to 60 days before and 60 to 90 days after hospitalization.
4. Maternity and Newborn Care
Maternity and newborn care is another crucial benefit included in a comprehensive health insurance plan. It includes expenses incurred during prenatal care, childbirth, and postnatal care for both mother and newborn. A comprehensive health insurance plan covers costs such as hospitalization, delivery, and neonatal care.
5. Coverage for Critical Illnesses
A comprehensive health insurance plan also covers critical illnesses, such as cancer, heart attack, stroke, and kidney failure, among others. The medical expenses for such illnesses can be very high, and this benefit ensures that you’re not burdened with these enormous expenses. Critical illness coverage provides a lump sum amount of money on the diagnosis of a critical illness. However, this benefit can have certain waiting periods and covers specific illnesses as mentioned in the policy.
In conclusion, investing in a comprehensive health insurance plan provides you with the assurance of receiving the best medical care when you need it the most. You must know the benefits included in your health insurance plan to take advantage of them when required. The five essential benefits discussed in this article are inpatient hospitalization, outpatient medical expenses, pre and post-hospitalization expenses, maternity and newborn care, and coverage for critical illnesses. Ensure that you choose a health insurance plan that meets your requirements and offers the benefits you need.
