what is comprehensive medical insurance
Health Insurance

What Is Comprehensive Health Insurance?

A health insurance plan is a service that comes in handy during your battle against a medical condition or disease. Most health insurance policies provide you with coverage for various conditions; however, all medical conditions may not be covered under some specific plans. This is why many companies offer a comprehensive health insurance policy, which can cover the expenses incurred for out-patient treatments, hospitalisation, ambulance charges, and day-care treatments.

Comprehensive health insurance also offers cover for critical illnesses such as stroke, cancer, and hearth attack along with treatments that can be highly expensive including dialysis. Furthermore, many comprehensive health insurance policies cover the costs for various types of alternative medicine like Ayurveda, Acupuncture, and Homeopathy. Thus, a comprehensive medical insurance plan can ensure that you remain financially secured against any medical crisis.

What does comprehensive health insurance cover?

As specified earlier, a comprehensive medical insurance policy offers you financial protection against numerous easy-to-treat as well as critical conditions. Some of the chief parameters covered under a comprehensive medical insurance policy are presented here.

1. Hospitalisation

Some medical conditions may necessitate you to get hospitalised for the treatment due to various reasons. Comprehensive medical insurance covers the hospitalisation expenses for these treatments.

2. Out-patient treatments

Most health insurance plans do not provide coverage for consultation or treatment sought at an out-patient department (OPD). However, with a comprehensive health insurance you can get covered for OPD consultation as well as treatments.

3. Day-care treatments

A few treatments may require to be hospitalised for less than a day or 24 hours; such treatments are commonly referred to as day-care treatments. Comprehensive health insurance provides coverage for these treatments as well, which may not be provided in certain other health insurance plans.

4. Pre-hospitalisation costs

All the medical expenses incurred before you are hospitalised for a treatment are covered under comprehensive medical insurance. Some examples of these type of expenses include doctor consultation fees, diagnostic test charges, and medicine bills.

5. Post-hospitalisation costs

The medical expenses incurred for continuation of the treatment after you are discharged from a hospital are also covered with comprehensive health insurance. The examples of these expenses are similar to those of pre-hospitalisation treatments.

6. Ambulance services

At times, you may not be able to travel to the hospital on your own or with a conventional means (i.e., by a car or bike), which may necessitate consideration of ambulance services. Comprehensive health insurance covers for ambulance charges as well.

7. Organ donor treatment

If you are required to undergo an organ transplant, a comprehensive medical insurance can pay for the hospitalisation of the donor as well.

8. AYUSH treatments

Comprehensive health insurance provides coverage for alternative medicinal treatments as well; these treatments can include Ayurveda, Unani, Homeopathy, and Acupuncture.

Benefits of comprehensive health insurance

In the current era, your health gets influenced by a numerous parameters to varying magnitude. A comprehensive medical insurance policy allows you to remain free of stress of such influences by ensuring that you can get covered against them. This proves to be highly advantageous for you in a long run. Some other benefits of comprehensive health insurance are given here.

1. Broad treatment coverage range

A comprehensive health insurance plan ensures that you are covered for various types of treatments including OPD treatments, day-care procedures, and in-patient hospitalisations. In addition to this, you can also be covered for accident-induced injuries and hospitalisation, which is not covered under a medical insurance plan.

2. Choice in the claim method

Comprehensive medical insurance allows you to choose between cashless claim and reimbursement claim options. If the facility of your preference is a part of your insurance providers’ hospital network, you can opt for cashless claim, which allows you to focus on the treatment and recovery without worrying about the hassle of documentation and claim submission. If your hospital is not present in the insurance provider’s network, you can simply fill a claim form and get reimbursed for the entire amount once your claim is approved.

3. Critical illness cover

Many medical insurance plans do not provide cover for critical illnesses; most times, you are required to buy a separate plan to get cover against critical illnesses. However, with a comprehensive health insurance plan, you can claim the expenses incurred due to critical conditions as well.

4. Add-on coverage

You can add various riders to your comprehensive health insurance policy at a slightly higher premium rate.

5. Tax exemption

With a comprehensive health insurance plan, you can opt for tax deduction of ₹ 25,000, which increases up to ₹ 50,000 if you are a senior citizen.

Reasons to buy comprehensive health insurance

You can your future and finances secured by investing in comprehensive health insurance, which can safeguard your savings in a long run. In addition to this, comprehensive health insurance offer some other benefits, which make them more appealing to an insurance seeker than a Mediclaim or health insurance policy.

As you might be aware, medical treatments worldwide are becoming more and more expensive by day. You can invest in comprehensive medical insurance to ensure that you can receive the best available medical care for any condition in the future, without worrying about the costs. Lifestyle conditions like diabetes may not be cured entirely and can be heavy on your pocket. Some comprehensive medical insurance policies can cover for this condition with or without an additional rider, which helps you keep your savings intact.

Significance of health insurance

Rising costs of healthcare treatments are worrisome for many. Nevertheless, it is quite easy to plan and deal with these expenses by using health insurance. With the advancement of technology, buying a health insurance policy online has become a child’s play; however, you should choose the insurance company and policy type after a thorough research.

You can consider various factors such as premium rates, policy inclusions and exclusions, as well as add-on options before choosing the plan. An online health insurance premium calculator allows you to estimate the premium amount you may need to pay to obtain a policy with your desired inclusions.


Can I buy comprehensive health insurance online?

Yes, most insurance providers offer their plans online. You can purchase a health insurance policy on the official website of your insurance provider, which are curated to make your policy-buying experience seamless.

What is covered under comprehensive health insurance?

Comprehensive medical insurance can offer coverage for extensive conditions and parameters such as OPD treatment, AYUSH treatment, in-patient procedures, critical illnesses, donor hospitalisation, and ambulance costs.

Can I raise cashless claim for my comprehensive health policy?

Yes, you can request cashless claim at any of the network hospital of your insurance company. You may have to notify your insurance company before or at the time of hospitalisation to raise this claim.

What is the difference between comprehensive and standard health insurance?

Health insurance offers you coverage for limited conditions and ailments as per the terms and conditions of your policy, whereas comprehensive medical insurance can cover you for several conditions and parameters including critical diseases, pre- and post-hospitalisation, day-care treatments, hospitalisation, OPD consultation, as well as AYUSH treatment.

What is comprehensive cover?

Comprehensive health cover is a tool that financially safeguards you against any medical condition depending on the terms and conditions of your policy.

What does comprehensive health insurance cover?

Comprehensive health insurance can cover the expenses incurred for various aspects of treatment such as hospitalisation, out-patient treatments, day-care treatments, as well as ambulance charges.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.

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