Why do you need a comprehensive health insurance policy

Why Do You Need A Comprehensive Health Insurance Policy?

With rising medical costs it is absolutely critical to have health insurance. It offers protection in so many ways. It pays for various types for medical expenses thus bringing them down, which proves to be very helpful in the event of hospitalization due to a severe health problem. A small family can be left high and dry when faced with heavy medical costs, but with insurance they can bring down the expenses and cope with the situation.

Why Opt For A Comprehensive Health Plan?

Out of the many different types of health insurance policies available, opting for comprehensive health insurance is the best option. It covers various types of risks, giving protection in so many different ways. You can find the cost of the policy by visiting the insurance company’s website and using the online calculator. Fill in

details into the calculator’s field and find out policy cost before application. Here is a look at what is covered by such a policy: •

Hospitalization expenses

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Pre and post hospitalization expenses

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Domiciliary expenses

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Day-care treatment

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Critical illness

If there are any pre-existing conditions, they are covered from the fifth year of the policy. The comprehensive policy offers 350 degree protection hence you get considerable protection against risks by opting for it. It pays out for a so many different types of medical expenses, thus bringing them down and helping you and your family cope with a difficult situation.

The Benefit of Cashless Coverage One of the key benefits of this plan is cashless coverage.

This benefit enables you to take treatment in any of the hospitals that fall under the insurer’s network but without paying any cash. You will be able to take

treatment without having to make arrangements for cash beforehand. Just show your insurance card to the hospital and take treatment. The insurance company will directly pay the hospital for your treatment expenses.

This cover can be used even when you take treatment in a hospital that is in another city. The only requirement in availing this benefit is that the hospital where you are getting treatment must fall under the insurer’s list of hospitals.

Opt For A Floater Plan To Get Everyone Covered By Health Insurance Taking a health policy is not just important for you, but also for your family. It is best to opt for a floater plan, because the entire family can be covered by a single premium. There is a policy available for every budget so look into as many types of medical insurance plans available to find one that is suitable for you in terms of coverage and cost. Policy can be taken by anyone above the age of 18 up to 65 years of age. There is no need to undergo any medical tests if you are 55 and below.