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Health Insurance Plans Now Match Your Lifestyle: Here’s How | Representational Image
New Delhi [India], August 1: With health conditions on the rise across all age groups, having health insurance has become more important than ever. However, since everyone’s healthcare needs are different, it makes sense to have coverage that fits your specific requirements.
That’s why health insurance is now more flexible and personal. It is designed to fit your lifestyle, so you only pay for the care you actually need. Keep reading to see how health plans are changing to match your lifestyle and healthcare needs.
Introduction
Health insurance today is much more flexible than it used to be. Instead of being stuck with a fixed plan, you can now choose what works best for your lifestyle and health needs. With medical costs going up and lifestyle-related health issues on the rise, it is important to have the right coverage options to stay protected.
Keeping this in mind, many insurance companies now offer plans you can customise. You can choose the coverage amount, add extra benefits, get coverage for pre-existing conditions and more.
Why Today’s Health Insurance is More Personal Than Ever
Health insurance is no longer just a basic safety net against healthcare expenses. Today, it is designed to fit your lifestyle, needs, and health. Here’s how:
1. Flexible, customisable and customer-friendly: Health insurance plans today are no longer one-size-fits-all. This means rather than settling for what the insurer offers, you can choose what fits your health, age and budget. Whether you want basic hospitalisation cover or a comprehensive plan with extra features, you have the freedom to choose what works best for you.
2. Unlimited sum insured: You can choose the sum insured with add-ons that let you make too many claims for various illnesses. The increased sum insured helps you keep up with rising medical costs.
3. Easy pre-approvals: You can now get quick treatment approval just by talking to a doctor from the insurer’s network. It is faster and saves you from dealing with extra paperwork.
4. Get treated abroad: Some plans offer global coverage add-ons, which allow you to get medical treatment in other countries. This is especially helpful for serious or complex health problems.
5. Pick what works for you: Whether you want basic protection or full coverage, today’s health plans let you choose what fits your age, health and lifestyle. You only pay for what you need, making it more economical in the long run.
6. Affordable add-ons: Although add-ons come at a cost, they are optional and affordable. Depending on what you choose, you might pay about 10-25% more in premiums. Still, add-ons promise better coverage and greater peace of mind.
Important Add-ons Available with Health Insurance Policies
The following are some important add-ons that are available with today’s health insurance policies:
1. Unlimited claims for serious illnesses
Some add-ons remove any cap on claims for major treatments like cancer or organ transplants. So even if the treatment gets expensive, these riders ensure you are financially protected.
2. Carry forward what you don’t use
If you don’t use your full coverage in a year, this feature allows you to carry forward the unused amount to the next year. This adds up over time and gives you extra protection at no extra cost.
3. Lock in your premium
Some plans let you lock in your premium at the rate you pay when you are young. This means your cost stays the same for years, helping you save a lot in the long run.
4. Coverage for consumables
Earlier, insurance providers didn’t cover consumables like gloves, PPE kits and syringes. Now, with a consumables add-on, your insurance can also cover these items, so you don’t have to pay for them yourself during a hospital stay.
5. Fast coverage for pre-existing conditions
Some plans now skip the usual 2-4 year waiting period and offer immediate coverage for pre-existing conditions like diabetes or hypertension. This is an important benefit, especially when choosing parents health insurance, as it helps cover ongoing health issues without long delays.
6. Coverage for short hospital stays
Earlier, you needed to be in the hospital for at least 24 hours to make a claim. Now, many plans cover treatments like dialysis or minor surgeries, even if you are admitted for just a couple of hours.
Conclusion
Health insurance today offers more flexibility and add-on benefits to fit your lifestyle. Although new-age plans may cost a bit more, especially with extra features and add-ons, you are in control of what to choose and pay. It is not just about hospital bills anymore. Having the right coverage gives you both protection and peace of mind, knowing you are covered during medical emergencies.
Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.
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