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Insurance Article

Avert medical crisis with your health insurance plan

December 18 2012

It thus becomes essential to secure yourself and your loved ones with a health insurance plan to tackle unforeseen medical crises.

It is also essential to secure your family’s health along with your own. Instead of buying individual policies with smaller sum insured, it is beneficial to opt for an insurance cover like the floater option under complete health insurance policy. This policy extends medicare health insurance to a maximum of 5 family members and one or more members can use the entire sum insured till the policy expires. Thus managing the policy and premium is more convenient and you can rest easy as you are prepared to tackle any medical emergency.

At times, based on your area of residence, access to quality hospitals may not be possible. In case hospitalisation is an absolute necessity, the ailing can run a serious risk with regards to quality health care facilities. Under the complete health insurance plan, in case of sudden hospitalisation you can avail of premium grade health care from the insurance provider’s network of quality hospitals and enjoy the benefit of cashless claim. Here, the insurance provider also covers the settlement of bills for all medical expenses incurred during hospitalisation.

If the insured is the sole bread-winner of the family, his or her hospitalisation can have far reaching effects on his or her livelihood. As a solution to this glitch, the complete health insurance; medicare health insurance can be customised with add-on covers like hospital daily cash and convalescence benefit. Under this cover, depending on the plan chosen, the insured is paid a certain amount (depending on the sum insured) for a maximum of 10 consecutive days with minimum of 3 days of hospitalisation while the latter feature offers a total of Rs. 10,000 for each policy year in case of hospitalisation for 10 consecutive days. Other features like the critical illness cover and donor expenses can also be added to increase the benefits extended by your plan.

Thus, it becomes essential to consider several possible scenarios which could arise in case of a medical emergency so that you can choose a policy which keeps you prepared for the same.

Job Code: EC012228ML


Product Code: Misc. 128

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. ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation. IRDA Reg. No. 115

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