A health insurance policy covers medical expenses for illnesses or injuries. A reliable health insurance plan protects you from sudden medical expenses. It reimburses your bills or pays the medical care provider directl yony our behalf. A comprehensive medical insuran cecoversthe cost of hospitalisation, daycare procedures,medical care at home( domiciliary hospitalisation),ambulancecharges, amongst others.
A health insurance plan helps you stay covered against various diseases. Additionally, it help syouboosttaxsavings. Undersection 80D of the Income TaxAct, 1961, you can claim tax benefits against your health insurance premium
Covers pre and post hospitalisation
One of the key benefits of a health insurance policy is that it covers your medical expenses incurred just before and after hospitalisation.
Covers pre-existing diseases
A health plan covers you for a pre-existing disease once you have completed the waiting period mentioned in the policy certificate.
Provides cashless treatment
At the time of hospitalisation, you don’t have to worry about arranging cash to pay your hospital bill. Your health insurance company will settle it directly with the hospital if it is in their network.
Lets you claim tax benef it
You can claim a tax benefit on health insurance premium under section 80D of the Income Tax Act, 1961.
Covers ambulance expenses
Comprehensive health insurance also pays for your ambulance expenses during a medical emergency.
Provides additional sum insured
Keeping healthy has its own benefits. You can enjoy additional sum insured for every claim-free year as per the policyc ertificate of your health plan.