Comprehensive Health Insurance Coverage and Benefits
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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.
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What is Comprehensive Health Insurance?
If you define a comprehensive health insurance 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 insurance 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 health insurance 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 PolicyHealth Insurance from PayBima
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.
Over to You
Care Health Supreme and HDFC ERGO Optima Restore are among the best health insurance policies in India today. It is a matter of your priority, coverage depth over cost effectiveness. Here’s a quick recap for you to make an informed decision.
Both offer coverage of up to ₹1 crore; Optima Restore starts at ₹3L, Care Supreme at ₹7L. Supreme offers unlimited recharge; Optima Restore offers 100% once a year, after a claim is made. Care includes OPD + unlimited e-consults; Optima lacks OPD, allows one consultation/year. Care gives a 30% discount + 500% bonus; Optima offers 8% discount + 50% bonus. Care Supreme is costlier but has more features. Optima suits budget buyers; Care fits those needing wider, long-term coverage.
Whichever health insurance plan you choose, ensure to read the policy wordings and seek advice from an expert before you make the purchase. The best health insurance is the one that covers you the way you want to be covered.
Speak to an Advisor Both offer coverage of up to ₹1 crore; Optima Restore starts at ₹3L, Care Supreme at ₹7L. Supreme offers unlimited recharge; Optima Restore offers 100% once a year, after a claim is made. Care includes OPD + unlimited e-consults; Optima lacks OPD, allows one consultation/year. Care gives a 30% discount + 500% bonus; Optima offers 8% discount + 50% bonus. Care Supreme is costlier but has more features. Optima suits budget buyers; Care fits those needing wider, long-term coverage.
Whichever health insurance plan you choose, ensure to read the policy wordings and seek advice from an expert before you make the purchase. The best health insurance is the one that covers you the way you want to be covered.


Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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