Tue. Jun 18th, 2024
Health Insurance

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Hospitalisation benefits like domiciliary, in-patient, ambulance, and pre- and post-hospitalisation are top health insurance benefits. Health insurance offers cashless claims, convalescence benefits, alternative treatment, organ transplant expenses, attendant allowance, daily hospital cash, free check-ups, dental treatment, tax benefits, and additional coverage. Increased insurance coverage is only available for unrelated illnesses. These benefits are available using a health insurance benefits phone app.* ** 

Indian health insurance benefits

1. Hospitalisation benefits

Health insurance covers hospitalisation costs like:*

  • In-patient treatment: ICU, medicines, doctor’s fees, room rent, etc. are covered for at least 24 hours of hospitalisation.*
  • Domiciliary treatment: Medically supervised home treatment. This health insurance benefit has a maximum amount and duration.
  • Ambulance cover: The health plan covers ambulance fees for medical emergencies.*
  • Pre- and post-hospitalisation: This coverage protects you from pre- and post-hospitalisation expenses for a set number of days.* 

2. Cashless claims

The insurer pays the hospital directly for your hospitalisation with this feature. Cashless treatment is only available at the insurer’s network hospitals.* 

3. Alternative treatment

Many health insurers cover Ayurveda and homoeopathy, giving policyholders another treatment option. Thus, your health insurance benefits can cover alternative treatment without hassle. 

4. Convalescence benefit

The convalescence benefit can cover the insured’s recovery expenses. The plan covers hospitalisation costs, including income replacement.* 

5. Organ transplant expenses

India’s healthcare plans cover organ transplant costs. Some insurers limit these costs, but most cover them. Check the plan’s sub-limits and terms.

You can find plans with all these benefits on the Bajaj health insurance app.

6. Daily hospital cash

This feature provides financial assistance for non-covered hospitalisation expenses. This amount can be used however you like. Some health plans offer this as an add-on.* 

7. Attendant allowance

Indian health insurance plans pay adults who accompany policyholders to treatment. Only children can use this benefit. Find the right insurance on your smartphone with a health insurance app. 

8. Dental treatment

Most insurance companies cover dental treatments every few years. Since dental treatment is expensive, this cover may be beneficial. 

9. Free health check-ups

After a certain number of claim-free years, many health insurers offer free health check-ups to policyholders. Download the Bajaj health insurance app. It provides health insurance with all these benefits.

10. Additional coverage

Finally, but most importantly, you can enjoy many other benefits of this insurance by purchasing affordable add-on covers. Air ambulance, vaccination, pregnancy, and newborn insurance are examples. 

11. Tax benefits

Prioritise your health while saving on taxes with this insurance. That’s right! Section 80D of the Income Tax Act of 1961 allows insurance premium deductions. 25,000 is the maximum deduction for under-60s. If you or your parents are over 60, you can claim up to 50,000.**

It is beneficial when you get health insurance for your parents. 

12. Refill the sum insured amount

 If you reach your insurance coverage limit, you can refill it. Only unrelated illnesses qualify for sum-insured refills. It is ideal for family floater policyholders.

We hope this article helped you understand the benefits of a health insurance app.

Get insured anytime, anywhere! Check out Bajaj Allianz General Insurance website to learn more and download the app now.

* Standard T&C Apply

** Tax benefit is subject to change in prevalent tax laws

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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