The sole purpose of the health insurance plan is to offer comprehensive health care coverage to the policyholder. It protects your hard-earned money and allows you to get the best treatment from the renowned hospital. Many people assume that the best health insurance plans only give hospital coverage to the policyholder, but it is more than that. In this blog, we are going to tell you about the top benefits of health insurance plans. So, let’s get started.
Top benefits of the health insurance plans:
Secure your health and finance:
More than health care expenses are out-of-the-pocket. Right from the hospitalization cost, test cost, medicine cost to regular checkup you don’t need to give you any cost if you have a health insurance plan. This is where a health insurance plan comes into the picture. It not only saves your hard-earned money but also lets you live a life with peace of mind. A health insurance plan allows you quick cashless treatment when most needed.
Under section 10 D income tax 1916, you can claim the tax deduction on the premiums you would pay in a health insurance plan. If you pay a health insurance premium for your family and none of you is above 60 years, then the maximum claim you will get is Rs. 25,000 on the premium paid towards the health insurance plan.
Cashless hospitalization: When you have a health insurance plan for you or a family member, you will get a benefit known as cashless hospitalization. At the time of a health emergency, you can be admitted to any hospital without paying any single penny—all you need to show your health insurance card and identity proof.
Domiciliary Treatment: The best health insurance plans offer you domiciliary treatment coverage. Which means all the treatment is done in your home; you don’t need to be admitted in the hospital. Though the premium rates of health insurance are higher than basic health insurance plans, this facility matters the most when you are unable to walk or having a weakness.
Free health checkup: Another significant benefit of the best health insurance plan is free health checkup. You can go to the hospital and consult with any doctor periodically. If you have a health insurance plan, you don’t need to worry about the doctor fee because the insurance company will cover it.
Dental treatment: This benefit is optional. If you want to include dental treatment in your health insurance plan, your premium will be expensive compare to basic health insurance plans. As dental treatment cost is very high, and junk food is killing our teeth, it is advisable to include dental treatment in your plan.
We hope this comprehensive guide on the best health insurance plan will help you a lot. A health insurance plan assures you that you don’t need to worry about expensive hospitalization cost, all you need is to focus on the speedy recovery.