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Insurance Article

What are the features of best health policy in India ?

January 14 2013

In such times, arranging for finances can be extremely stressful and the paucity of funds can also affect your choice of hospital and subsequent medical aid. In order to prevent such hassles during a medical exigency, it is best to buy a health and safety policy which safeguards your funds and health during medical crises.

When looking to buy a health insurance cover, it is extremely important to analyse several aspects such as your needs, features expected in a policy and most importantly your budget, as these features will dictate your ultimate choice. Some of the best health policy in India offer comprehensive coverage which gives financial respite to the insured in trying times. It is important to check out health insurance quotes from several reliable insurance providers. Shopping around for quotes is an important step in buying a health policy which will accommodate both your budget and your needs. You can meet with different insurance agents or resort to the quicker mode of online quote comparison to narrow down prospective health insurance plans.

Comprehensive health policies like the ICICI Lombard Complete Health Insurance (ILCHI) offered by ICICI Lombard offers exhaustive coverage for several medical expenses, medical procedures and ailments. One important feature of this personal health insurance is the floater benefit. With this feature, it is possible to secure your immediate family (up to 5 members) with a single health policy. Not just that, with the option to select a larger sum insured, you may secure the health of your loved ones and ensure optimal health care during a medical emergency.

This health and safety policy may also offers cashless claims feature wherein you can avail of treatment from any of the network hospitals without having to shoulder any medical expenses incurred during hospitalisation. Apart from cashless claims, you may also include several add-on covers to your health insurance policy and enhance the coverage offered.

The policy also does not have any deductible or sub-limit as a part of its original structure(as per the plan opted). Sub-limit is the limit or cap on the sum insured available for any treatment, service or disease covered by the policy. Deductible amount is the expense to be borne by the insured while making a claim. It is the absence of these features which makes this policy as one of the best health policy in India.

The above features clearly outline the benefits of a health insurance policy and how it can prove indispensible during an unexpected medical emergency.

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.

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