This is because a health insurance policy offers certain benefits and lends coverage for expenses towards several medical and healthcare facilities which would otherwise have to be borne by the ailing or his kin. The features of a health insurance policy can go a long way in reducing financial burden which comes with towering hospital bills. As the monetary aspect is taken care of, a medical exigency becomes slightly less stressful and all attention can be diverted to the care of the ailing.
Following are some of the advantages of a health care policy:
Optimal medical care: Your national health policy gives you access to best medical treatment during a medical emergency. At times, the cost of health care from certain health care providers is a limiting factor due to shortage of finances. The sum insured of your selected health cover is instrumental in helping you secure the best possible care without ever having to worry about arranging for the money at the eleventh hour.
Cashless claims: With the increase in the cost of health care, it is sometimes beyond the reach of an average person to afford medical and hospitalisation bills. Your health care policy comes to the rescue in such situations with the unique cashless claims feature. The insurance provider may have a tie-up with several hospitals where the insured can avail of cashless hospitalisation for all medical expenses during his stay. During an emergency hospitalisation, all you need to do is produce your health ID card (which you get after policy purchase) and after minimal documentation when your claim gets approved, the insurance company settles the bill of all medical expenses incurred during such an emergency. ICICI Lombard, for example has a tie-up with premium health care providers which offer cashless claims and excellent health care.
Convenience with online feature: The internet is a powerful tool to gather information and with the recent boom in e-commerce in India, several insurers have made their policy products available online. You can look through several issuance providers, compare health insurance quotes and narrow down on prospective policies- all within a few hours, at your own convenience. Not only that, you can also purchase the policy online by filling out a few essential details in the online form, get your premium amount through the online calculator and make instant payment via Net Banking, Credit or Debit Cards. Hassle-free online policy renewal is also one of the several benefits offered by a health insurance plan.
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
Toll Free No: 1800 2666
Job Code: EC012434MI
Product code: Misc 128