Regular v. Comprehensive Health Insurance

Following the epidemic, having a comprehensive health insurance coverage has become more important than ever. Buyers, on the other hand, wonder if they should choose a regular health plan or a comprehensive health plan.

Both policies cover the costs of basic hospitalisation in the event of a medical emergency. Regular plans, on the other hand, may not cover certain conditions and have a restricted amount of coverage.

The benefits of having a comprehensive health insurance plan, are that it covers the expense of regular health exams, critical sickness, recognised and undiscovered diseases, such as covid-19. It also covers cashless treatment at network hospitals, ambulance coverage, childcare procedures, alternative treatment choices, consumable costs, and pre- and post-hospitalization care.

Furthermore, most comprehensive health insurance plans provide coverage for outpatient department (OPD) charges, as well as a few add-on benefits and riders. After a set waiting time, it also covers pre-existing conditions, he noted.

Physiotherapy, homoeopathy, acupuncture, and osteopathy are also covered by certain insurance.

A regular health insurance plan, on the other hand, has restricted coverage. It covers pre- and post-hospitalization medical expenses, as well as additional medical expenses if the insured is hospitalised for more than 24 hours, such as diagnostic fees, pharmaceutical prices, doctor consultation fees, room rent, and so on. Ambulance fees, childcare procedures, pre-existing ailments (with specific waiting periods), medical examinations, and other expenses are also covered.