WHAT ARE MY HEALTH INSURANCE BENEFITS? Investment in health insurance plan is investing for the protection and wellness of its members and their family health, depending upon the plan opted for.




Investment in health insurance plan is investing for the protection and wellness of its members and their family health, depending upon the plan opted for. The word ‘protection’, here, means the financial security in case of an unexpected or exigent situation. The word ‘wellness’ stands for the recommendation or advice offered to clients by experts. In case of exigencies, members can rely on the insurance company to endure expenses. But, it is always advisable to buy from the leader as they are worth relying on.

1.   Cover for Life-Threatening Critical Illnesses

The fixed pre-defined benefit type of medical insurance policies provides a fixed lump sum payment upon diagnosis and confirmation of certain critical illnesses like cancer, stroke, paralysis, kidney failure, etc. Irrespective of the actual amount spent by the insured, he or she receives the lump sum amount which can be used to fund rehabilitation, recuperation, lifestyle adjustment, etc.

2.    Get Allied Benefits

Healthcare system in India has evolved with preventive health check-ups and improved diagnostics. Certain progressive insurance companies offer benefits that are generally not associated with health insurance policies. Some such benefits are:

Consultation with nutritionists

Free health check-ups

Tie-ups with health service providers

Free Consultation with doctors

Discounts Coupons on healthcare services

Rising healthcare costs can punch a big hole in one’s pocket. Paying a small health insurance premium is the simplest way to mitigate the financial losses and to achieve peace of mind.

Easy Health Plan            

The pre-hospitalization facility provides coverage to charges that one incur 30 days before he/she is hospitalized. The same can be increased to 60 days if informed early.

Depending upon the terms and conditions of the policy, post-hospitalization offers covers to expenses incurred for a specific number of days after discharged from hospitals. It may be for 60 days to 90 days, depending upon the situation and the company norms.

If a member does not claim for the money in the entire year, he/she is entitled to get a bonus up to some percent, subject to terms and conditions.

Tax benefits

Critical illness coverage

Personal Accidental Plan

In case of death due to an accident, the family members of the insured are entitled to the lump sum payment.

In the case of disablement, there is a specific scale, which measures the amount to be paid with respect to the physical loss incurred.

In case of accidental death or permanent disablement, health insurance will reimburse the amount incurred in transportation of one immediate family member to the hospital, subject to terms and conditions

Health insurance companies provide its members of the charges spent on the transportation of mortal remains of an insured either to his/her residence or to a burial ground.

In case of an emergency, they provide members the expense incurred on an ambulance for transfer of an insured in the nearest hospital.

Other importance includes:

Transportation of medicines

Purchase of blood

Travel insurance

Lost luggage assistance

Pre-trip information services

Lost passport assistance

Embassy referral

Emergency cash advances

Medical services provider referral

An arrangement of appointment with local doctors

Interpreter referral

An arrangement of emergency medical reparation

Monitoring of medical conditioning during hospitalization

Medical advice on telephone

An arrangement of reparation of mortal remains


Availing health insurance to one’s self is very crucial, this is because of its importance for the present and future occurrences, in order to save one’s self from worries of hospitalization.

Enter your email address:

Delivered by FeedBurner