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Insurance Article

Key benefits of purchasing a policy on health insurance and its renewal

March 14 2013

As ailments and medical contingencies arise without prior warning, the least you can do is to remain sufficiently prepared. This is because given the increasing costs of healthcare in India; it does not take long for a medical emergency to turn into a financial one. The burden of arranging for finances can leave you stressed and hassled. To prevent such an unfortunate situation from materialising during a medical emergency, it is best to secure a health insurance cover.

In order to get maximum benefits, it is important to purchase an insurance policy which has comprehensive coverage. A policy with comprehensive coverage takes care of basic medical coverage, hospitalisation expenses as well as several small yet significant expenses like pre and post hospitalisation costs, doctor’s expenses, surgeon’s fees, room rent, etc. Such extensive covers will further lighten your financial burden. The ICICI Lombard complete health insurance may one such cover you may choose, which is comprehensive in its design.

With the floater benefit of this insurance cover, you may secure your entire family (subject to policy terms) with a single insurance premium amount. Not only that, with this comprehensive insurance you get lifetime policy health renewal. Thus, you can enjoy the benefits of your health insurance cover without any interruptions. The premium amount for this health plan can be easily customised to match your requirement. You may also have the option of selecting the 1 or 2 year (automatic policy health insurance renewal) policy period as per plans offered.

The cashless claims facility offered by this health insurance plan is most beneficial. With this, the insured can avail of treatment from any of the 4000+ network premium health care providers without having to worry about the costs of treatment.

In case of no claims made in the previous policy term, the insured can get a cumulative bonus as an additional sum insured (as per insurance plan chosen) with policy health renewal. This will help to keep your health insurance cover abreast with the times and will adequately meet the rising cost of medicines due to inflation. Thus, you not only enjoy uninterrupted coverage but can also avail of the benefit of a larger sum insured.

This insurance policy can be purchased without undergoing any medical tests if you are below 46 years of age. As the policy is available online, you simply have to fill in the essential details, the premium amount will be generated by the online calculator and you can make instant payment using several options available. This online feature is also extended to policy health insurance renewal which further saves time and effort.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

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