Comprehensive health insurance is a type of health insurance that offers a wider range of coverage than other health insurance types. This type of health insurance provides coverage for both in-patient and out-patient hospitalization expenses along with covering various medical expenses such as doctor's fees, ambulance charges, diagnostic tests, and prescription medications.
Moreover, comprehensive health insurance policies may include additional benefits like maternity coverage, pre- and post-hospitalization expenses, and critical illness coverage. The reason why many people prefer comprehensive health insurance over other types of health insurance is due to them having a broad range of coverage.
What Does Comprehensive Health Insurance Cover?
As we have already discussed, comprehensive health insurance provides a wide range of coverage for various medical expenses. Let's take a look at some of the coverage benefits that are included in a comprehensive health insurance policy:
In-Patient Hospitalization Benefits: This benefit offers coverage for medical expenses that are incurred when a person is admitted to a hospital for treatment or surgery.
Out-Patient Hospitalization Benefits: This benefit offers coverage for medical expenses that are incurred when a person undergoes a medical treatment or procedure that does not require hospitalization, such as dialysis or chemotherapy.
Diagnostic Tests: This benefit offers coverage for various diagnostic tests that are conducted to diagnose a medical condition.
Doctor's Fees: Comprehensive health insurance policies offer coverage for the fees charged by doctors for consultation or treatment.
Prescription Medications: This benefit offers coverage for the cost of prescription medications that have been prescribed by a doctor.
Maternity Coverage: Comprehensive health insurance policies offer maternity coverage that covers expenses related to pregnancy and childbirth.
Pre- and Post-Hospitalization Expenses: Comprehensive health insurance policies offer coverage for the medical expenses that are incurred before and after hospitalization.
Critical Illness Coverage: Comprehensive health insurance policies offer coverage for certain critical illnesses like cancer, kidney failure, and heart attacks.
How to Increase Your Comprehensive Health Insurance Policy Coverage
Although comprehensive health insurance policies offer a wide range of coverage benefits, it is recommended to increase your policy's coverage to ensure that you are covered adequately. Here are some tips on how to increase your comprehensive health insurance policy coverage:
1. Opt for Family Floater Plans: If you have a family, it is best to opt for family floater plans as they cover all family members under a single policy.
2. Increase the Sum Insured: Increasing the sum insured will help you increase the coverage benefits that are offered by your policy.
3. Add Riders to Your Policy: Riders are additional coverage benefits that can be added to your policy. For instance, if you are not covered for critical illness under your comprehensive health insurance policy, you can add critical illness rider to your policy to get coverage for critical illnesses.
4. Compare Policies: It is recommended to compare various comprehensive health insurance policies before choosing one to ensure that you get the best coverage at an affordable premium.
Conclusion
Comprehensive health insurance policies offer a wide range of coverage benefits that ensure that policyholders are covered for various medical expenses. It is advisable to increase your policy's coverage by opting for family floater plans, increasing the sum insured, adding riders to your policy, and comparing policies before choosing one. By doing so, you can ensure that you get the best coverage at an affordable premium.
Read More - Ayushman Bharat Digital Mission: What is it and how does it work?