1. Hospitalisation Expenses
Any medical condition requiring urgent hospitalisation is covered under standard health insurance plans. However, claims are only entertained, provided the disease has not been previously diagnosed when the insurance plan was not availed.
Hospitalisation expenses incurred under the following situations are also extended by renowned insurance providers:
2. Pre and Post Hospitalisation Charges
Pre hospitalisation expenses such as diagnosis expenses, and doctors’ fees etc. can be covered by a health insurance plan.
Expenditures post-release such as medication, routine check-ups, injections, etc. are also reimbursed by most insurance companies. Compensation funds against the same can be extracted as a lump sum amount, or by producing respective bills.
3. No Cap on ICU Room Charges
Health insurance policies also cover ICU bed charges. An insured individual can also choose to stay in a private room, costs of which can be billed against the respective insurance provider, up to a specified amount or total insured amount, at the discretion of the insurance company.
4. Cover Against Mental Illness
Hospitalisation in due course for mental treatment is also covered under such health insurance policies. With rising rates of mental health issues in India and globally, this facility allows individuals to seek professional help for a well-rounded life.
5. Bariatric Surgery Costs
Only specific insurance providers agree to bear all expenses incurred for surgeries aiming to help individuals overcome their obesity problems. Obesity often lead individuals to develop other related complications such as heart problems, diabetes, high blood pressure, etc. This promotes the overall wellbeing of individuals in the long run.
Such features of a comprehensive health insurance policy are adept at meeting all major medical expenses an individual might face. At slightly higher premium charges, additional benefits in the form of higher coverage facility are offered by major institutions.
6. No Room Rent Capping
Hospital room rent is covered under such a health insurance policy, allowing insured individuals to recover comfortably. The total amount disbursed in such cases is specified by an insurance company beforehand.
7. Daycare Procedures
Expenses incurred for daycare treatment at hospitals such as dialysis, cataract, tonsillectomy, etc. are covered under most health insurance plans.
8. Road Ambulance Charges
A standard health insurance policy covers any road ambulance expenses incurred during times of medical emergency. This poses a significant benefit as premium hospitals often charge substantial amounts for transportation.
9. Refill Sum Insured
Under such health insurance policy, you can make claims amounting up to the sum insured twice a year, provided the medical conditions are different each time.
10. No Claim Bonus
For every non-claim year, insured individuals are extended discounts or a higher sum insured (at no additional cost) in the succeeding years, that can help to reduce their premium charges payable annually or to extend their sum insured coverage.
11. Daily Hospital Cash Cover
Daily cash allowance is provided by stipulated institutions, enabling individuals to make up for the loss of pay during times of hospitalisation.
12. 0% Co-payment
Renowned insurance companies cover the entire medical bills generated during the treatment procedure of an insured individual, up to the sum insured amount. Zero co-payment mitigates the financial liability of a patient, allowing him/her to focus solely on recovery.
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13. Zone upgrade Facility
In India, treatment costs usually vary from one city to the other. It is especially higher in metropolitan cities like Delhi and Mumbai.
With a zone upgrade, you can avail higher financial coverage for treatments at different city zones. Zones are classified as per the city’s medical expenses. The higher the medical expense in a particular region, the higher it is placed in such classification.
This add-on allows you to account for the disparity in treatment costs across different regions or zones with a slightly higher premium. But subsequently allows you to save on your total premium by 10%-20%.
*Currently, at Digit, we have no Zone Upgrade Add on. However, you get an additional discount on premium if you are based in Zone B. Not just that, we have No zone-based co-payment.
14. Domiciliary Care
Coverage against all expenses incurred for home hospitalisation is covered under comprehensive health insurance policies. This includes medication, nurse fees, injections etc. payable for comprehensive treatment of a patient.
15. Organ Donation Charges
Claims can be made against all medical bills accruing to organ donation.
All major insurance companies maintain the above-stated provisions on their insurance products. Nonetheless, various types of insurance policies are offered to attribute to specific diseases, or catering to different age groups.
