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Insurance Article

Buy a personal health insurance policy and enjoy extensive coverage

January 24 2013

The steady rise in the cost of health care facilities can make arrangement of funds difficult if you are not sufficiently prepared. The onus of settling these hospital bills will shift to your family members and may impact their savings. Therefore, there is a need to buy personal health insurance plan which will offer coverage for several hospitalisation costs and other related expenses.

Several important aspects must be carefully considered when purchasing personal health cover as the investment made towards the premium is a considerable sum. A comprehensive insurance is a good choice as it has a wider coverage range and will ultimately reduce your overall expenses during a medical crisis. Key aspects like medical expenses covered, premium payable, maximum sum insured and several other policy details must be looked into. A clear idea about all these essential factors will help you choose a good personal insurance plan to secure your health.

A comprehensive health insurance policy plan like the Health Advantage Plus Plan offered by ICICI Lombard offers enhanced coverage. This policy goes beyond the standard hopitalisation costs to cover Out Patient treatment expenses (OPD). Thus coverage for room charges, hospital boarding expenses, nursing expenses, ambulance charges is offered by the plan. Moreover, this personal health insurance policy also covers costs for dental treatment, surgeon and other related medical practitioners. This policy is extremely beneficial for those undergoing treatment which requires dialysis, chemotherapy or radiotherapy. This is because this plan covers costs of medicines and drugs as well as consultancy charges. As reimbursed is offered once the claim is made, the financial burden on the insured is greatly reduced.

This personal insurance for health does not have any sub-limits on room rent, doctor’s fees, hospital charges or any disease. The policy also does not have co-payments for any disease or hospitalisation expenses. Co-payment is the fraction of cost to be borne by the insured when making claims while sub-limit is the restriction on the sum insured for any disease, treatment or service covered by the policy. This policy also offers cashless claims across any of its 4000+ network hospitals and avail of optimal treatment without worrying about the bills. Thus, you do not have to worry about paying for any hospitalisation charges as all additional costs are taken care of by the policy.

It is therefore important to carefully select your insurance cover so that you can secure your health optimally and relieve yourself or your loved ones of any financial stress during an exigency.

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.

IRDA Reg. No. 115

Toll Free No: 1800 2666

Job Code: EC012522MI Product Code: Misc 63


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