Get optimum coverage with Health Premier Plan
Get comprehensive coverage at an affordable price with Health Premier Plan. Protect your family's health needs and get financial security for unexpected emergencies.
Today, having health insurance is nothing less than a basic necessity. The right health insurance coverage serves as an important safety net to ensure that you and your family have access to quality healthcare when they need it most. If you are looking for a health insurance policy that can help you seek maximum features and benefits, you can consider Health Premier. A rather popular health insurance policy, it offers comprehensive coverage that too at an affordable price. Read on to understand more about Health Premier and the essence of having health insurance, along with its various benefits.
Highlighting details of Health Premier Plan:
Health Premier Plan covers the actual medical expenses that are incurred on hospitalisation. The features of the plan are as follows
Entry age | Adults – 18 years to 65 years Children – 91 days to 25 years |
Policy Type | Family Floater/ Individual |
Relationships covered | Self, Spouse, natural or adopted dependent children, siblings, parents, and parents-in-law. |
Term of the plan | 1 year/ 2 years/ 3 years |
Sum insured | Depends on the plan option selected |
Second e-opinion | Can be availed a number of times |
AYUSH treatment | Available |
Add-on benefits | Available |
Day Care Treatments | Covers 405 listed day care procedures |
Restoration benefit | One a year 100% of the base sum insured |
No claim bonus | 10% increase in the sum insured up to 50% or 100% of the original depending on the plan variant selected |
Benefits of health insurance plans:
The health insurance coverage that you get depends largely on the kind of plan that you have opted for. Most health plans, however, provide the following benefits:
1. In-hospital expenditure
The medical expenses that are incurred when an insured member gets hospitalized and has to undergo treatments come under inpatient hospitalisation expenses. These are typically covered up to the sum insured by the policy.
2. Ambulance services
Most health insurance plans cover the costs of road ambulances. The transportation of an insured to a hospital is covered up to a certain limit.
3. Long list of daycare procedures
Certain medical procedures do not require hospitalisation of 24 hours or more. These are daycare procedures and are covered by health plans.
4. Pre and post-hospitalisation charges are covered
Most health insurance plans go beyond hospitalisation and offer coverage for pre and post-hospitalisation up to a specified number of days.
5. Domiciliary treatments
In case the insured cannot be admitted to a hospital, then doctor-prescribed home treatment can be covered up to certain limits.
6. Free health check-ups
Free health check-ups not only help in the early diagnosis of diseases but also encourage a healthy lifestyle.
Conclusion
The elementary benefit of having health insurance is the financial security it provides. The rising medical inflation has made healthcare very expensive. Without the right health insurance coverage, medical expenses can quickly add up, and dig deep into your hard-earned savings. Health insurance helps to cover the cost of care for all kinds of unexpected medical emergencies. With Health Premier, you will be able to get the care you need without worrying about how you will pay for it.
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