People assume that health insurance policy only pays for the hospitalization expenses. But there are many policies that provide health insurance benefits. Due to the lack of knowledge, many policyholders don’t use various benefits.
The popularity of alternative treatment has enlarged manifold. Due to this, only many companies prompted to cover alternative treatments like Homeopathy, Ayurveda and Yoga. However, insurers cover alternative treatments only if takes place either at an institute recognized by the National Accreditation Board and the Quality Council of India or in a government hospital.
In this insurers take care of the recovery expenses. Due to hospitalization, supplementary costs may arise and this covers those costs. Some policies also cover related costs like compassionate visits by family members. In case of prolonged hospitalization, the insurer pays a big amount, ranging from 7 to 10 days of the policyholder.
In an organ transplant surgery, health insurance ensures that they will cover the medical expenses according to the term. This expenses cover varies from policy to policy, some cover entire cost while other offers it as an add-on benefit. The insurer only covers harvesting organ surgery cost. They don’t cover other costs like post-surgical complications, donor’s hospitalization and cost of screening.
Many companies offer an attendant allowance to the person accompanying the insured at a hospital. Mostly the insured is a child. The insurer has fixed days in which they pay the attendant allowance. Some offer Rs. 500/day up to 10 days as attendant allowance. By this allowance, one does not have to worry about the leave taken from work because the insurer will pay them to allowance for this.
Many insurance companies have enlarged their insurance cover. They also include treatment taken at home under medical administration. This health insurance benefit also varies from policy to policy. Insurers have a cover on the number of days and the amount for which the benefit is available.
Another health insurance benefit is they offer free periodic health checkups to their policyholders. This checkup is done after every 4 or 5 claim free years. Insurers offer cashless health checkup if the test is done at enrolled centres or hospitals.
Weight loss surgeries are a life saving technique for patients battling with the medical condition because of weight. Many insurers cover this if done for the medical purpose. So there are many health insurance benefits if you know properly about them.
Therefore we discussed here so many health insurance benefits apart from covering just hospital expenses. One can choose wisely what they want. Always focus on your need and choose the plan which suits you the most. So health insurance should be done because problems don’t give any warning. Be prepare for everything.
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