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Insurance Article

What is a health care policy? What are the types and benefits offered?

June 27 2012

 "What is a health care policy?" is a frequently asked question by many first time buyers. One of the easy and quick ways of knowing more about national policy on health is to check different quotes offered by various insurance providers in India and reading them carefully.

When selecting a health insurance policy, you must ensure adequate knowledge about the extent of coverage and the different types of policy plans. ICICI Lombard is one such health insurance provider that offers different plans that are tailored to suit the needs of different individuals.

Some of the health insurance plans offered by ICICI Lombard include Health Advantage Plus, Health Care Plus, Personal Protect and ICICI Lombard Complete Health Insurance. Key features of these policies are:

ICICI Lombard Complete Health Insurance

This is a comprehensive plan for your family with floater benefit that makes all the family members eligible for sharing the total sum insured. Policy period can be selected for 1 year or for a continuous period of 2 years. Cashless claim facility in India reduces stress as the ailing family member is offered quality medical attention without the stress of large hospital bills. A variety of medical expenses incurred during hospitalisation are covered which help reduce the financial burden during a medical emergency. Different covers can also be included in this policy plan.

Health Advantage Plus

With this policy a maximum of 2 adults can be covered under a single policy. It covers Outpatient Department (OPD) expenses which include diagnostics tests, dental treatment, medical bills, ambulance charges, etc. Maternity expenses can also be covered under the OPD expenses. Cashless claim facility at about 4,000+ network hospitals offers premium medical care. Payment for this policy can be made in easy installments.

Health Care Plus

This policy offers Individual Cover for each member of the family with a coverage tern of 1 to 2 years. Any individual between the age group of 5-65 years can be easily insured and this policy is renewable for up to 70 years. Flexible sum insured offers a variety of options that enables you to select the sum insured that perfectly suits your needs. Absence of Co-payments means that the insured person does not have to share a percentage of the claim during payment of bills. This certainly helps to prevent sudden financial loss.

Personal Protect

This plan offers coverage against Accidental Death or Permanent Total Disablement (PTD) due to an accident. Health check-ups prior to policy are not required for policy issuance and this policy offers customised coverage with different options in sum insured. You can also include Accidental Hospitalisation Expenses and Accidental Hospital Daily Allowance to further broaden the coverage of this plan.

With all these different plans on national policy on health, you can easily secure the health of your loved ones by opting for a health cover that perfectly suits your needs and budget constraints.

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