Confused between comprehensive and regular health insurance for taking up the best policy for you. Read the below distinction about the two policies to know more!
After the pandemic, the insurance holders have become more cautious about their insurance choices. And one of the major choices to make currently is whether to buy a regular health insurance policy or a comprehensive health insurance.
Even though both the plans serve as good health insurance options, there are few important distinctions to be considered before making the final choice.
Standard Health Insurance Policy and Comprehensive Health Insurance
A standard health insurance policy coverage may be adequate to cover the bare necessities of medical check-ups and minor illnesses, but it shall not be helpful in the event of a severe or serious illness. It is advised that an individual obtain comprehensive health insurance in order to provide effective and comprehensive health coverage.
A Comprehensive Health Insurance Plan is helpful since it covers the price of routine health checkups, critical illness, as well as recognised and unknown diseases such as Covid-19. The plan also includes cashless treatment at network hospitals, ambulance coverage, childcare operations, alternative treatment options, consumable fees, and pre and post-hospitalization perks.
Regular Health Insurance
Regular Health Insurance, on the other hand, offers a limited degree of coverage. They can be used to cover medical expenditures incurred before and after hospitalisation, as well as additional medical costs incurred if the insured is hospitalized for more than 24 hours, such as diagnostic fees, pharmaceutical costs, doctor consultation fees, room rent, and so on.
Prescription medications are not covered by regular health insurance policies. The coverage also covers ambulance bills, daycare treatments, pre-existing ailments (with defined waiting periods), medical exams, and other charges.
It is advised that an individual obtain comprehensive health insurance in order to provide effective and comprehensive health coverage. Furthermore, comprehensive plans can include riders that make them more reasonable for customers in the event of a future top-up requirement.
There are various health insurance companies offering diverse health insurance plans. It is always advisable to take expert assistance or do thorough research before buying the plan. Coverfox equips you with. If you follow Coverfox blogs regularly, we are sure you can make smart and informed decisions. However, if you still need assistance we are just a call away.
