Comprehensive Health Insurance Coverage and Benefits

4 min read

Are you looking at purchasing a comprehensive insurance plan? Do you know the benefits you can avail on a comprehensive plan? Read on to know about them.

What is Comprehensive Health Insurance? 

If you define a comprehensive health plan, it can be termed as a health plan offering all-inclusive coverage that protects against various medical emergencies. These plans cover policyholders financially against numerous illnesses and other medical costs, such as hospitalization costs, day care procedure costs, ambulance charges, and so on.

What all treatment and facilities are covered under Comprehensive Health Insurance Plans?

Comprehensive health care plans offer wide ranging coverage. To know all about comprehensive care meaning and its features, you can check the various coverage available as part of such plans.

Here are some common protection available under comprehensive plans:

  • Pre and post hospitalization
  • In-patient costs of hospitalization
  • Day care Procedure
  • Organ donor costs
  • Domiciliary costs
  • OPD treatment costs
  • AYUSH Treatment costs
  • Emergency ambulance charges

There are multiple insurers offering varied comprehensive health insurance plans. So, it is advisable to compare different plans in terms of their benefits of coverage as well as premium rates before buying the best plan to suit your needs.

Some  of the best Comprehensive Health Insurance Plans available in India

Name of Comprehensive Health Plan Criteria of Eligibility  Insured Sum Network Hospitals
Aditya Birla Activ Assure Diamond Policy Entry age for adult is 18 years onwards, while for children is 91 days to 25 years 2 lakh to 2 crore rupees 6000+
Bajaj Alianz Health Care Supreme Entry age for adult is 18 years onwards, while for children is 3 months to 25 years 5 lakh to 50 lakh rupees 6500+
Bharti AXA Health AdvanEDGE Policy Entry age for adult is 18 years to 65 years, while for children is 91 days onwards 2 lakh to 3 crore rupees 4500+
Care Health Insurance Plan Entry age for adult is 18 years onwards, while for children is 91 days onwards 3 lakh to 75 Lakh rupees 16,500+
Future Generali Health Total Entry age for adult is 18 years onwards, while for children is 1 day to 25 years 3 lakh to 1 crore rupees 6000+
IFFCO Tokio Health Protector Entry age for adult is 18 years to 65 years, while for children is 91 days onwards 50,000 to 20 lakh rupees 6400+
Niva Bupa (Formerly known as Max Bupa) GoActiv Health Insurance Entry age for adult is between 18 to 65 years, while for children it is between 91 days to 21 years 4 lakh to 25 lakh rupees 7000+

Importance of a Comprehensive Health Insurance Policy

With expensive medical care facilities and a sedentary lifestyle of people, having a health insurance plan is a must. Thus, it is important for everyone to have a comprehensive health insurance policy to take care of their various healthcare needs.

A comprehensive health plan offers numerous benefits as mentioned below:

1. Extensive Coverage – With a comprehensive health plan, you can expect to enjoy wide range of coverage. Some of the protection allowed under comprehensive policy include:

  • Coverage on in-patient hospital costs
  • Pre, post-hospitalization costs
  • Cost of availing service of ambulance
  • Day care procedure costs
  • AYUSH treatment Coverage
  • Organ donor charges
  • Domiciliary hospitalization charges
  • Maternity costs (covered after waiting period) etc.

2. Offer Protection for the whole family – When it comes to comprehensive plans, most such plans cover the whole family under one plan. So, you can protect your spouse, children and other dependents such as parents and spouses’ parents under the same policy.  These policies have sum insured available on floater or individual basis.

3. Outpatient Treatment – As compared to basic health policies, comprehensive plans allow coverage for OPD costs including OPD consultation fee that the insured incurs for visiting a doctor.

4. Coverage on pre-existing illnesses – Comprehensive health plans allow coverage for various pre-existing illnesses depending on particular plans. However, there is a waiting time of 2 years to 4 years before you could avail such benefits.

5. Riders/Add-ons  – Along with availing the standard coverage, comprehensive plans also offer different add-ons or riders. These riders can be purchased by the insured to extend the coverage of your health plan. Some such common riders that can be bought with a comprehensive health plan include:

  • Critical illness rider
  • Maternity rider
  • Rider on hospital cash on a daily basis
  • Rider on personal accident protection

6. Cashless Treatment Rider – Comprehensive health plans provide cashless medical treatment facility to all its insurance holders under which all medical bills are paid by insurer to the hospital. You just need to avail treatment in a hospital that comes under a network of the insurance company to avail this treatment.

7. Benefit of Cumulative Bonus –  Under a comprehensive insurance policy of your health, you can avail benefit of cumulative bonus, which is available for policyholders who do not make a claim during a policy year.

To Conclude 

Now that you know what comprehensive health care means, it is always better to buy a comprehensive health insurance plan to ensure the good health of your own as well as of your family. Further, you can avail the best medical care at the best hospital without any worries of hospital bills. This way, you can make sure that your hard-earned money that you have saved doesn’t get depleted.

Also Read: List of Diseases Covered by a Health Insurance Policy

However, it is important to ensure that you compare different plans before you buy the best health plan of your choice depending on your requirement and understanding comprehensive health care definition and meaning.

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Gayatri Prabhu, Head-Digital Business at Mahindra Insurance Brokers Limited (MIBL) is one those few digital leaders who has the width and depth that is required to execute an ROI driven holistic digital strategy. She cuts through the noise, identifies the critical levers and leads her team to successful execution of the defined strategy. Her core mantra to win new and retain existing customers is: understand the consumer behavior and craft experiences around it.

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