Important coverage benefits to choose in a health insurance policy

1. Important coverage benefits to choose in a health insurancepolicy Health insurance planshave become the need of the hour as medical contingencies are increasing day by day and the medical costs are becoming unaffordable. A health insurance policy covers the medical expenses that you incur when you are hospitalised ensuring that you don’t incur a financial strain in times of medical emergencies. Though the coverage features of plans offered by top health insurance providers are quite comprehensive, you should be careful when choosing the coverage benefits. The coverage benefits under your policy should be inclusive as well as suitable for your needs. Here are some of the important coverage benefits which you should opt for when you buy medical insurance policies online– Room rent withoutsub-limits Under many health insurance plans, there is a sub-limit on the room rent under inpatient hospitalization coverage. This sub-limit restricts the coverage that you can avail. If you choose a room with a rent which is higher than the sub-limit, the entire claim amount for inpatient hospitalization is reduced and you incur out-of-pocket expenses. Thus, you should always choose a health plan which has no sub-limits on room rent. A single, private AC room should be covered under the policy, irrespective of the rent so that you are optimallycovered. Sum insuredrestoration Modern-day health insurance plans offer the feature of the sum insured restoration wherein the sum insured is reinstated to its original amount if the available sum insured gets used upon a claim. This feature helps you meet the expensive medical costs if you face multiple claims in a policy year. The reinstatement of the sum insured does not exhaust your coverage and lets you avail quality healthcare without worrying about the underlying medicalcosts. Maternitycoverage This coverage is essential for individuals who would be planning their families soon. The cost of maternity treatments and childbirth can be considerable. When your health plan has a maternity coverage benefit, such costs are covered under the policy and you are spared the financial strain. So, if you would be planning a baby in the near future, opt for maternity coverage when you buy medical insurance policies online. Critical illness cover Critical illness cover is offered as an add-on with many policies offered by the top health insurance providers. This rider covers specific critical illnesses and pays a lump sum if you or any insured member is diagnosed with any of the covered illness. This lump sum amount helps you meet the cost of advanced treatments or any other financial liability that you have. So, when you buy medical insurance policies online, look for the availability of the rider and choose the rider for comprehensiveprotection. Annual health check-ups

2. Free health check-ups are offered by almost all health insurance policies. However, the check-up might be allowed after 2, 3 or 4 continuous policy years and that too if you have not made a claim during such tenure. You should opt for policies which allow annual health check-ups. Top health insurance providers offer health insurance plans where the facility of health check-ups is allowed every year. Opt for such plans so that you can get free check-ups every year to monitor your health regularly. 6. Hospital cashbenefit The hospital cash benefit is a daily allowance paid by your health insurance plan if you are hospitalised for 24 hours or more. This allowance is paid at a fixed rate irrespective of the medical costs that you incur. Many health policies have this benefit which allows you to meet the ancillary costs of hospitalisation which are not covered under the health insurance plan. So, you should opt for this coverage benefit for a better scope of coverage from thepolicy. So, when you buy medical insurance policies online, look out for these coverage benefits which enhance the scope of coverage of the policy. If you choose plans offered by the top health insurance providers of India, you would be able to avail the afore-mentioned coverage benefits and enjoy wider coverage. So, be careful when buying health insurance so that your policy gives you the best coverage.