When you purchase a healthcare plan, you expect coverage of the expenses incurred during hospitalization. However, healthcare plans are designed to meet client requirements and protect the savings of the insurers against unforeseen healthcare related expenses. For example, if you evaluate carefully, you will find that expenses incurred after hospitalization too can be quite extensive. The cost of medicines, regular check-ups and post-operative care can also deplete your savings. But if you have purchased a healthcare plan from a reputed online platform, you can be assured of coverage of pre and post hospitalization expenses. Moreover, if you purchase a health insurance policy from an online platform you can be assured of excellent claims assistance, so that the money spent during pre and post hospitalization are cleared quickly. In India, healthcare related expenses can be quite extensive and without proper coverage, you cannot protect yourself financially against unforeseen medical expenses. To help you evaluate the coverage provided by health insurance policies better, some of the lesser known coverage provided by most healthcare plans have been discussed below.
Understanding Coverage Provided by Healthcare Plans
If you purchase a health insurance policy from an online platform, you can check on the website for the coverages provided by a particular healthcare plan. Along with the basic coverage of hospitalization expenses, the policy should also provide coverage of expenses incurred on undergoing expensive medical examinations. Sometimes the examinations can be in the form of regular health check-ups too. Reputed health insurance policy retailing companies guide the insurers regarding the claims that he or she can raise regarding reimbursement of expenses incurred due to medical check-ups. Some of the other coverages provided by a health insurance policy are as follows:
Hiring ambulances: If you have to hire an ambulance in order to take a patient to a hospital or a healthcare centre, in case of an emergency, then the expenses should be reimbursed under the health insurance policy procured by the patient. You will have to mention it when you raise a claim for reimbursements and the insurance company will be liable to pay you the expenses incurred on hiring an ambulance.
Day care treatments: Sometimes doctors require patients to be hospitalized for less than twenty four hours in order to carry out a treatment. These are known as day care treatment. Since, it is not entirely a hospitalization patients believe that the expenses incurred will not be covered under the health insurance policy. However, contrary to popular opinion expenses incurred due to day care treatment will also be covered by healthcare plans.
Non Allopathic treatment: Sometimes Non Allopathic treatments can also prove to be quite expensive. Certain health insurance policies provide coverage of expenses incurred in Homeopathic or Ayurvedic treatments.
So, when you purchase a health insurance policy it is advisable that you purchase it from a reputed online platform. This will ensure that you receive adequate claims support and also the executives will help you understand the various types of reimbursements that the health insurance policy will provide.