Does Your Health Plan Cover Every Eventuality? Let's Find Out

Representational Image

Health insurance plans vary based on the eventualities against which they cover you. So, you may not get one plan that covers every eventuality. For instance, one may cover medical and other expenses associated with the treatment of critical illnesses. Another may protect your lifestyle against unpleasant events like the loss of a job.

As per the eventuality, you may need more than one health plan. Therefore, it is good to choose a health insurance company that offers diverse plans to protect you against all kinds of eventualities.

Here is a look at how to choose health plans based on different eventualities.

Common Illnesses

If you want a health plan to cover you against common illnesses like common cold and sinus infection, look for benefits like healthcare check-ups and daycare treatment. You can get such facilities in a Pro-Health insurance plan. It offers daycare treatment, hospitalisation, domiciliary treatment and more under its basic cover, and health check-ups and other facilities under its value-added cover. Although pregnancy and childbirth are not considered eventualities, they are important events of a woman's life. For these events, this health plan covers maternity expenses, newborn baby expenses and the baby's first-year vaccination costs.

COVID-19

In July 2020, The Insurance Regulatory and Development Authority of India (IRDAI) has made it compulsory for health insurance companies in India to offer short-term COVID-specific health plans called the Corona Rakshak Plan and Corona Kavach Plan. They offer a sum insured up to ₹2,50,000 and ₹5,00,000, respectively. So, based on your affordability, you should choose a plan to be covered against COVID-19.

Critical Illnesses

Sometimes, people want coverage against a range of critical illnesses like cancer, first heart attack, stroke, kidney failure, major organ transplant, loss of sight, deafness, coma and more. In that case, a health insurance plan, exclusively dedicated to protecting you against critical illnesses, is helpful. An example is a Lifestyle Protection Critical Care Plan that covers 15 critical illnesses and procedures and more under an enhanced plan.

Accident and/or Death

A serious injury or death caused by an accident is a major eventuality. It is very important to seek a health insurance plan that covers unexpected expenses associated with these eventualities. Such a plan is Saral Suraksha Bima which also protects a financially dependent child.

Eventualities of Employees

If you're an employer and wish to get health insurance covers for your employees, you can opt for them based on the eventuality they cover. For instance, you can choose a Pro-Health Group Insurance Policy so your employees are covered against illnesses and injuries. To have them covered against personal accident and/or critical illnesses, you can choose a Lifestyle Protection Group Policy. You can opt for a FlexiCare Group Insurance Policy for your employees to get various covers like accident, surgery and more.

Health insurance companies like ManipalCigna offers various plans suited to different eventualities. Moreover, for those who want both domestic and global health insurance benefits for themselves and global coverage for their employees, it also offers suitable plans for the same. So, as per the eventualities against which you seek health cover, choose the appropriate plans from a reputed provider like ManipalCigna. Consider choosing a family plan if you wish to extend the coverage benefits to your family members.