Health Insurance


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What is an Health Insurance?

Health Insurance or medical insurance is a contract between the insurer and policyholder where the insurance company helps the insured to meet medical expenses. A health plan provides the benefit of reimbursement of medical expenses or cashless treatment for an illness or accidental injury.

Top Reasons to Buy A Health Insurance Plan

Medical inflation is increasing every day making treatments expensive. If you get hospitalized for a critical illness or lifestyle disease, you may end up losing all your savings. The only way to afford quality medical treatment during a health emergency is by buying a health insurance policy. Take a look at some of the top reasons to buy a health insurance plan below:

  • Beat Medical Inflation - A health insurance policy can help you pay your medical bills, including pre and post-hospitalization expenses, today as well as in future despite the rising medical costs.
  • Afford Quality Medical Treatment - It helps you to afford the best quality medical treatment and care so that you can focus only on getting cured.
  • Fight Lifestyle Diseases - It allows you to pay for the long-term treatment of lifestyle diseases like cancer, heart attack, etc. that have been on the rise with the changing lifestyles.
  • Protect Your Savings - It helps you to protect your hard-earned savings by covering your medical expenses so that you can avail the required treatment without any financial worries.
  • Avail Cashless Hospitalization Facility - It allows you to obtain a cashless hospitalization facility at any of the network hospitals of your insurance provider by raising a cashless claim.
  • Get Tax Benefits - It enables you to save tax on the health insurance premium that you’ve paid under section 80D of the Income Tax Act for better financial planning.
  • Ensure Peace of Mind - It allows you to obtain medical treatment with peace of mind as you do not have to worry about paying the hefty hospital bills.

What is Covered in a Health Insurance Plan?

Most health insurance companies in India cover the following medical expenses under a Health insurance policy:

  • In-patient Hospitalization Expenses -The hospitalization expenses incurred during the treatment of an illness or injury are covered provided the hospitalization is for more than 24 hours.
  • Pre-existing Illnesses or Diseases - After the completion of the waiting period, you can file a claim for the expenses incurred on the treatment of any pre-existing illness or condition.
  • Pre and Post Hospitalization Expenses - Medical expenses incurred on blood tests, x-ray, and other medical check-ups that are required before hospitalization are taken care of by the insurance company.Similarly, the cost medicines and preventive health check-ups that are done to ascertain your health after the discharge from the hospital is covered under the health insurance plan.
  • Ambulance Charges -Although the coverage amount varies from insurer to insurer,most medical insurance plans cover emergency ambulance charges.
  • Maternity Cover - Medical expenses incurred during the pregnancy and delivery are covered along with newborn baby expenses.
  • Preventive Health Check-ups - Regular health check-up facilities are also made available in some health insurance plans in India.
  • Day-care Procedures -Daycare treatments where hospitalization is not required for more than 24 hours are covered. It includes eye surgery, dialysis, and other common daycare surgeries as mentioned in your policy document.
  • Home Treatment Cover - It also covers the expenses incurred on getting medical treatment at home on the advice of a medical practitioner.
  • AYUSH Benefit -A health insurance plan also reimburses the medical costs incurred on Ayurveda, Unani, Siddha or Homeopathy treatment up to a specified limit.
  • Mental Healthcare Cover – Several health plans in India offer coverage for the medical expenses incurred on the treatment of mental illness, like depression.

What is Not Covered in a Health Insurance Plan?

The following medical expenses and situations are not covered in a health insurance plan:

  • Unless there is an accidental emergency, claims arising during the initial 30 days of buying a health insurance plan are not covered.
  • Coverage of pre-existing diseases is subject to a waiting period of 2 to 4 years
  • Critical illnesses coverage usually comes with 90 days waiting period
  • Injuries caused by war/ terrorism/ nuclear activity
  • Self-inflicted injuries or suicide attempts
  • Terminal illnesses, AIDS, and other diseases of similar nature
  • Cosmetic/plastic surgery, replacement of hormones surgery, etc.
  • Dental or eye surgery expenses
  • Bed rest/hospitalization and rehabilitation, common illnesses, etc.
  • Treatment/diagnostic tests and post-care procedures
  • Claims arising out of adventure sports injuries

Why Choose Health Insurance by SecureHub Consultants Private Limited?

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