Get Health Insurance Policy Online

Exclusive

Wellness Benefits

24*7 Claims

Support

Tax Savings

u/s 80D

Zero Paperwork Online Process

Pin Code

+91 Enter Mobile Number

Try agian later

I agree to the Terms & Conditions

Port My Policy

Download Policy

(Incl 18% GST)

Buy Comprehensive Health Insurance Plan Online in India

Health insurance is an essential investment these days, with the rising costs of medical expenses. And, opting for a comprehensive health insurance plan is the best way to ensure that you and your loved ones are taken care of in terms of medical expenses.

A comprehensive health insurance plan is one that provides all-encompassing coverage under a single policy, meaning that you don’t have to buy a number of different types of health insurance plans to cover a wide range of medical expenses. And, unlike basic health insurance plans, comprehensive policies tend to cover high-cost procedures like organ transplants and alternative forms of treatment.

Team Digit

What Does a Comprehensive Health Insurance Plan Cover?

Comprehensive health insurance plans have extensive coverage, including the following:

In-patient Hospitalization – Like most health insurance plans, it will cover medical expenses incurred while hospitalized for over 24 hours, such as room rent charges, nursing charges, oxygen, ICU charges, etc.
Pre & Post-Hospitalization – These are medical expenses incurred before you are admitted after discharge, it includes diagnostic tests, investigative procedures, follow-up tests, medication, and more.
Daycare Procedures – Covers for daycare medical treatments undertaken in a hospital that require less than 24 hours, like dialysis, chemotherapy, angiography, radiotherapy, etc.
Pre-Existing Diseases – It will also provide coverage for pre-existing medical conditions, such as diabetes, high blood pressure, or asthma, after a waiting period of 1-4 years.
Domiciliary Hospitalization – This covers situations where one requires treatment or hospitalization at home.
Organ Donor Expenses – The policy may cover the costs incurred in the process of organ donation in case of an organ transplant.
Critical Illness Treatment – It would provide cover for the treatment of critical illnesses like cancer, kidney failure, heart attacks, stroke, and paralysis, amongst others.
Ambulance Charges – This covers the cost of emergency ambulance services.
Annual Health Checkup – Complimentary annual medical tests to avoid any undiagnosed issues and ensure good health.
Add-on Covers – You get the option to expand your coverage with add-ons covers, such as:
- Maternity & Newborn Baby Cover – This covers expenses related to pregnancy and childbirth, as well as for the newborn baby.
- AYUSH Treatment – It covers treatments under an alternative therapy such as Ayurveda, Unani, Siddha and/or homoeopathy.
- Hospital Cash Cover – A daily cash benefit during hospitalization, that you can use to cover expenses that go beyond the hospital bill.*
- Zone Upgrade – With this add-on cover, you will be able to account for the differing costs for treatment in the different city zones across India.

NOTE: At Digit, only the Consumable cover add-on option is available.

Benefits of Having Comprehensive Health Insurance

There are many benefits that come with opting for a comprehensive health insurance plan:

1. Wide Coverage

Comprehensive plans come with a wide range of coverage for all kinds of health issues, such as unfortunate accidents, hospitalization expenses, day care procedures, and treatment for life-threatening critical illnesses, among many others.

Comprehensive health insurance plans also come with higher sum insured options so that you can have more coverage for your health expenses.

2. Protection from Medical Expenses

The extensive coverage means that comprehensive insurance plans tend to cover a wider majority of medical expenses. This includes expenses that may not be covered under basic plans, such as pre and post-hospitalization, home hospitalization, medicines, etc.

Additionally, comprehensive plans often offer the benefit of having no room rent cap, higher ICU room rent limits, and a wider ambulance cover.

3. . Additional Coverages

With a comprehensive health plan, you will also be able to get more benefits that are not available with other health insurance plans. This includes things like a refill sum insured, where your SI will get replenished if you exhaust it during the policy period, or having no room rent capping (i.e. no maximum room rent limit) in your policy.

4. . Cashless Claims

Comprehensive health insurance policies also usually offer the facility of cashless claims, where your health insurer will take care of the bills directly with their network hospitals. Meaning you don’t need to pay any cash out of your own pocket (excluding any co-payments or deductibles).

5. Cumulative Bonus

Comprehensive health insurance policies come with a cumulative bonus benefit. For those who haven’t made any claims during the policy year, they will get an increase in their sum insured amount, without charging you any extra premium.

6. Lifetime Renewability

A comprehensive plan is one that offers lifetime renewability. So as long as you pay your premium, you can continue to enjoy the benefits of the plan, irrespective of your age.

7. Tax Benefits

When you buy a health insurance policy for yourself, or for your family members, you can claim tax benefits on the premium amount under Section 80D of the Income Tax Act.

Things to Consider Before Buying a Comprehensive Health Insurance Plan

Not all comprehensive health insurance plans will be called this. Some may feature other names, like Digit’s Comfort Option.
Compare the different health insurance plans available online based on their coverage benefits and premium before choosing the one that is most suitable for yourself.
Remember to check for what is covered and not covered in your health insurance policy by reading through the terms and conditions.
Pick the sum insured based on your healthcare needs and the number of people you’re covering in your health insurance policy.
Don’t hide any critical information or medical history from your insurance company.
If you can, customize your health insurance plan, with different add-ons for better coverage.
Buy your health insurance early in life, so you will have more reasonable premiums and get through waiting periods faster.
Go through the company’s customer reviews to know more about the services offered.
See if the insurance provider offers extra benefits like add-ons, 24x7 support, and more.

Conclusion

Buying a comprehensive health insurance policy is one of the best investments one can make. Since it provides all-round protection, you can save money by not having to buy many different covers separately. It will also help protect your savings and get the best treatment without worrying about the hospital bills.

There are many different types of health insurance plans available today, such as individual health insurance, family floater health insurance, personal accident insurance, and more. Thus it is important to pick the right plan that suits your and your family’s requirements.

FAQs about Comprehensive Health Insurance

All

What does comprehensive health insurance mean?

A comprehensive health insurance plan is one that provides a wide range of healthcare coverage, including hospitalization expenses, ambulance costs, daycare procedures, regular health checkups, critical illness, cashless treatment in network hospitals, alternative treatment options, pre and post-hospitalization, and pre-existing diseases after a specific waiting period.

What's the difference between comprehensive and regular health insurance?

Both types of plans will offer coverage for basic hospitalization expenses during medical emergencies. However, regular health insurance plans might not cover certain conditions, or have other limits. On the other hand, a comprehensive health insurance has more extensive coverage, as you can see above.

Latest News

Currently there are no news to show.

More articles related to Health Insurance

Deductible in Health Insurance

Sum Insured in Health Insurance

Daily Hospital Cash Benefit

Types of Health Insurance

PED in Health Insurance

What is Copay in Health Insurance

Cancer Insurance Cover

TPA in Health Insurance

Difference between Mediclaim Policy and Health Insurance

Difference between Term Insurance and Health Insurance

Difference between Life Insurance and Health Insurance

What is Health Insurance

Best Health Insurance Policy in India

Daycare Treatment and Procedures in Health Insurance

Room Rent Capping in Health Insurance

Health Insurance for Diabetes Patients

Health Insurance covering Cataract Surgery

Health Insurance with Free Annual Checkup

Domiciliary Hospitalization in Health Insurance

Government Health Insurance Schemes

Sub-Limit in Health Insurance Policy

Cooling-off Period in Health Insurance

Loading in Health Insurance

Pre and Post Hospitalization Expenses in Health Insurance

GMC and GPA Policies in Health Insurance

Indemnity Health Insurance

Health Insurance for Disabled Persons

Difference Between Waiting Period and Survival Period

Types of Health Insurance Claims

Health Tips & Guides

Nutrition Tips & Guides

Human Wellbeing

Guides about different Diseases

Health Insurance Tips

Health Insurance for Smokers

Comprehensive Health Insurance

Buy Health Insurance on EMI

What is Nominee In Health Insurance

Grace Period in Health Insurance

Health Insurance for Parents of NRIs

Difference between Moratorium and Full Medical Underwriting

Exclusions in Health Insurance

Non - Medical Expenses in Health Insurance

Road Ambulance Cover in Health Insurance

Consumable Cover in Health Insurance

Air Ambulance Cover in Health Insurance

What Is Reimbursement Claim ?

Health Insurance Tax Benefits for Senior Citizens

Why Separate Health Insurance for your Parents?

Health Insurance After Retirement

Health Insurance for Pre-Retirees

Health Insurance for Freelancers and Self-Employed

Health Insurance for Government Employees

Why Health Insurance is Important for Mothers?

Difference Between Inpatient and Outpatient Hospitalisation

Restoration Benefit in Health Insurance

Cumulative Bonus in Health Insurance

Terminal vs Critical Illness

Health Insurance Myths

How to Choose the Right Sum Insured

Mental Health Insurance

Infertility Treatment Cover

Bariatric Surgery Cover

What is Organ Transplant Cover

AYUSH Benefit in Health Insurance

Compare Health Insurance

Maternity Health Insurance

Zone Based Health Insurance

Copay vs Coinsurance vs Deductible

Health Insurance Add-Ons

Health Insurance Benefits

Dental Health Insurance

Increase in Health Premium on Renewal

Fixed and Indemnity Health Insurance

Maternity Benefit without Waiting Period

Difference between Copay Coinsurance and Deductible in Health Insurance

Waiting Period in Health Insurance

Why Health Insurance Premium Increase on Renewal

Download Health Insurance Policy Wordings

Click here for Policy wordings | Digit Health Care plus policy - Benefit illustration

Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.

Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

Get 10+ Exclusive Features only on Digit App

Install

Get 10+ Exclusive Features only on Digit App

Latest News

Currently there are no news to show.

Renew & Download Policy Document, Check Challan, Credit Score, PUC & more

43K+ Reviews

4.7

Rated App

43K+ Reviews

7K+ Reviews

4.4

Rated App

7K+ Reviews

Download the App

CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.

Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.