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Insurance Article

What are the benefits of a health policy in India?

March 11 2013

An ailment can have far reaching effects on the health of a person. At such times, quality medical care is extremely essential to make a full recovery. With quality treatment at health care institutes come hospital bills which may not be within everyone’s financial capacity. At times, the paucity of adequate available finances can be a limiting factor to get sufficient medical care and can also prove fatal. With the increasing cost of health care, it is wiser to buy a health policy in India, so that sudden expenditure during medical exigency does not cause panic and stress.

When looking for a best health insurance policy, it would be beneficial to buy a comprehensive health insurance cover as it offers extensive coverage. Such a health cover cuts out the hassles of arranging for finances during a medical emergency and also ensures optimal treatment for your family. The ICICI Lombard Complete Health Insurance by ICICI Lombard for example may be a good option to consider when buying health policy in India. As there is no age limit, any person is eligible to take this policy. Not only that, persons below 46 years of age desirous of purchasing this policy may not need to undergo any medical tests. For those above 46 years, the policy may be purchased easily by undergoing a medical test at any of the designated test centers recognized by the insurer.

One of the biggest advantages of this compressive health cover is the cashless claims feature. As the insurance company has a tie up with premium health care providers across the country, availing the best possible medical treatment is well within the insured’s reach. All medical expenses during such emergency hospitalisation are handled by the insurance provider. Such a health policy in India eliminates the need to arrange for money on a short notice and allows you to focus better on the well-being of your ailing family member.

With the floater benefit, the health insurance may extends coverage to your entire family, depending on policy terms and conditions. With the payment of a single premium, the benefits of the sum insured can be enjoyed by any insured family member. As you may not need to keep a track of different renewal dates, managing such a health policy is extremely convenient.

There is also the option to structure and customise the policy as per your needs. The availability of optional covers greatly enhances the overall coverage and can be extremely beneficial in the long run. With the option to purchase this policy online, such a health insurance cover can be easily regarded as one of the best health insurance policy to optimally secure both health and finances during a medical 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.

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