Did you think your Health Insurance only takes care of your hospital expenses? Health Insurance policies are beneficial in many more ways as the insurers foot the bill for various other costs too. Read this list of hidden benefits of your Health Insurance policy to get the full picture and see your Health Insurance plan in a different light. Does your Health Insurance plan give you these benefits?
- Convalescence Benefits
After you come out of the hospital, you deserve to be pampered, right? Your insurance company takes care of your recovery expenses by giving you a recuperating benefit. This covers any costs that may occur because of hospitalization. The insurer will pay you a lump sum amount if you are in the hospital for 7-10 days.
- Alternative Treatment
Alternative therapies have become popular these days. Now many insurance companies are willing to offer you financial cover for alternative treatments like Ayurveda, yoga and homeopathy.
You’re covered if such treatments take place in government hospitals or at any institute recognised by the Quality Council of India and the National Accreditation Board on Health.
Additional Reading: Understand Your Health Insurance Plan Better
- Domiciliary Treatment
Several insurance companies give you coverage for treatments taken at home under medical supervision. This is not covered for an indefinite number of days though. There are limits on the amount and the number of days of treatment.
- Attendant Allowance
Got a child in hospital? Insurance companies give an attendant allowance for adults who accompany an insured child in the hospital. The allowance amount is fixed and is provided for a certain number of days.
- Free Health Check-up
Most Health Insurance policies provide free health check-ups to the insured person. But wait; this benefit is given after every 4 or 5 claim-free years. You can avail a cashless health check-up if your tests are done at any hospital that is included in your insurer’s network of hospitals.
- Daily Hospital Cash Allowance
Some insurers also offer added financial protection to cover unaccounted expenses which are not included in the policy, like food and travelling.
- Weight loss Surgeries
Bariatric or weight loss surgeries are not considered to be cosmetic procedures any more. These surgeries can be life-saving operations for those patients dealing with medical conditions as a result of obesity.
Many insurers cover these surgeries if they are done for medical reasons.
Additional Reading: 7 Types of Health Insurance Plans
These are a few lesser known benefits that Health Insurance covers. Now that you know about these, why don’t you look for them in your own policy?