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Benefit Health Insurance Policies

Some of the key Benefit Health insurance policies are listed below, that are available across insurance companies in India:

  1. Critical Illness Cover: In case you are diagnosed with a critical health condition - ( heart attack, cancer, paralysis, stroke, kidney failure, organ transplant, bypass surgery and more) , this add-on cover comes in handy while providing you a lump-sum amount to tackle all the expenses associated with the treatment. It can be used for various purposes such as expensive treatments or recuperation aids, make up for loss of income due to fall in the ability to earn or pay off debts.

  2. Critical illness covers are fixed benefit plans that assure you of the full sum insured regardless of you being hospitalized or getting treatment. However, details vary from plan to plan. Most plans come with a survival period clause that says that the insured must survive for at least 30 days after he or she is diagnosed with any critical illness to be able to file a valid claim.

  3. Personal Accident Cover: While you have no control over mishaps such as an accident, never fail to financially secure the future involving you and your family. Personal accident benefit provides financial assistance to your family in the event of a death or disability due to an accident and helps compensate for the loss of income during the treatment while easing the financial pressure on you & your family. This does not cover any death or injury caused due to any illness or disease. While the scope of the policy provides 100% coverage for a fatal accident, it depends on the intensity of the disability or injury caused. One can extend both individual as well as group personal accident policies to cover the expenses in the treatment of an accident covered under this policy, however, only on payment of an additional premium.

  4. Hospital Cash Insurance Cover: Hospital cash insurance will help you handle the daily cash required during emergency admission to ICU, accident, medical treatment, and surgery. This would include charges for patient's diet, attender's lodging, commuting from home to hospital etc. The cover is available for you or your family and can be renewed for the entire lifetime. For this specific cover, you can also claim a tax benefit under section 80D of Income Tax Act, 1961.

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