Inflation in the healthcare sector has made the cost of treatment reach an all-time high. In the current scenario, owing to the pandemic, having a health insurance plan guarantees safety against financial drainage during medical emergencies. Health insurance policies in India offer competitive and customizable plans for the benefit of the policyholders to avoid high expenditures on medical expenses.

Apart from the standard coverage for hospitalization, renowned insurance providers in the market offer various add-on benefits and extra services that allow maximum advantage to the insured individual. However, there are certain common features identical in all healthcare policies advanced by good insurance companies. So, one must look for these features to safeguard oneself from financial distress.

Let’s take a look at what the best health insurance policies in India offer to the policyholders and what are the common features that make them ideal for you-

1. Annual Health Check-Ups

It is important to be always fully aware of our health conditions. There can be underlying conditions that can lead to a disease or a biological predisposition to some specific illnesses. Being up to date with this information requires regular health check-ups that are ideally covered by healthcare plans of a good standard.

• Pre and Post Hospitalization Expenses

The cost of healthcare treatments doesn’t just include fees of admission to a hospital. The expenses are widespread, ranging from the medical bills before and after the hospitalization. Quality health insurance policies in India include diagnostic tests, medicines, and OPD visits as part of such expenses incurred by the insured individual. Coverage for such expenses proves to be extremely beneficial.

• Cashless Facility at Network Hospitals

A study showed that in India, people bore 64 percent of the total healthcare expenses out-of-pocket. Therefore, having a health policy with a cashless facility entails a direct bill settlement between the insurance provider and the concerned network hospital. This feature ensures ease in availing claims and a hassle-free experience as you won’t have to bear any of the medical expenses incurred. Good insurance companies have tie-ups with a vast network of hospitals.

• Maternity Cover

A comprehensive maternity cover plan that includes benefits like delivery expenses and diagnostic tests is a salient feature of the best health insurance policies in India.

• COVID-19 Treatment

The ongoing coronavirus pandemic has highlighted the need to have health insurance coverage for such a life-threatening disease. Expenses for quarantine, home treatment, diagnostics, consultation fees etc., are covered under top health insurance policies in India.

• Insurance Portability

Prominent insurance providers offer the option of porting your health insurance plan as there can be certain instances in life that may lead you to choose a different insurance company. This migration shall be notified to the insurer 45 days prior to the renewal according to the Insurance Regulatory and Development Authority of India (IRDAI).

• 24×7 Assistance

Health emergencies arise unexpectedly. In such a situation, panic is sure to set in. But having a helpline number handy can save you from hefty medical bills, and you can focus solely on the well-being of the ailing person.

These outstanding features make for fine health insurance policies in India. Investing in these plans allows you to have access to the right facilities in times of need. In addition, relying on trustworthy and credible insurance providers like Care Health Insurance will ensure that you are stress-free with their wide range of benefits and customizable healthcare plans that cater to your needs. You can visit their website to know more about their comprehensive coverage plans.