Some Lesser Known But Very Useful Benefits Of Your Health Insurance Policy

While buying a health Insurance policy, the most important factors one considers are Sum Insured, Room Rent eligibility, Pre and Post Hospitalization coverage, No claim bonus, and Restoration benefit. While these definitely are the most critical factors, there are multiple other benefits that most comprehensive health insurance policies offer, which get overlooked but can be extremely useful. We are listing down a few of such features below:

Annual health check-ups: Most Comprehensive Health policies offer free health check-up every year. These are fairly comprehensive check-ups and mostly provide full-body tests, which otherwise cost ~2000 per person. Typically, only 10% of customers use their free health check-ups but it's a great benefit and everyone must utilize it.

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Domiciliary hospitalization: Hospitalisation at Home is covered in most policies, however, it does require consent from the treating medical practitioner that the insured person’s condition was such that he/she could not be transferred to a hospital or a hospital bed was unavailable. This benefit specifically becomes relevant in the current Covid-19 times.

AYUSH treatments: Most policies cover Alternative treatments such as Ayurveda, Unani, Siddha, and Homeopathy. While typically these don't need hospitalization, but this coverage can come in very handy in case there is a specific need.

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Coverage for mental disorders: This is a recent development, and all health insurance policies now cover in-patient hospitalization for mental disorders also. This includes Depression, Bipolar disorders, Schizophrenia, or any other mental disorders.

So, it's great that you have your health insurance policy with us, and we believe that it's absolutely critical that you go through your policy's benefits and features in detail. You should know what you have, and utilize the health insurance policy to the fullest.

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