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Health Insurance 2420 views May 24, 2020
Health Problems are a major concern these days and health expenses can never be ignored. On the other hand, a major portion of the savings is utilized in case of a critical illness. Therefore, it is better to make an early call for a health insurance policy. There are a number of health insurance policies sold by many companies but you can take a look at the ICICI Lombard Health Care Plus Plan. In this policy, you have the choice to decide the amount of the Sum Assured and it gives health cover to you and your loved ones. You also have the option to cover up to 4 family members in the same policy. So, let’s explore all the features and benefits of this policy.
Table of Contents
Now you must explore all the benefits of this health insurance plan. See the risks and expenses that will be indemnified by the company.
The company will cover all the expenses incurred during hospitalization. The cover will only be given if the individual is hospitalized for more than 24 hours and there is no pre-hospitalization or post-hospitalization benefit in this health insurance policy.
As you know that during hospitalization you have to rent a room in the hospital. So the company covers the expenses of the room in which the patient has been admitted. You can ask for the reimbursement of the expenses from the company and on the condition that the patient has been admitted for more than 24 hours.
The day to day medicines also adds a major portion in the overall hospitalization expenses therefore the ICICI Lombard Health Care Plus insurance plan covers the medical expenses as well that incurred during hospitalization.
During the hospitalization, you also have to purchase surgical equipment to take care of the patient. So the expenses done on the surgical equipment are also covered in this health insurance plan.
The doctors usually visit the patient if he is hospitalized and they have certain fees. So you can reimburse the fee of the doctor from the company under this insurance policy. Even the company will cover the fee of the surgeon if it incurs during hospitalization.
In the Health Care Plus Plan, you will get indemnified for the expenses you have made on the diagnostic tests during hospitalization. Every doctor keeps an eye on the health of the patient through the diagnostic tests and the reports.
At the time of the renewal, anyone insured can go through a free health check-up. The check-up is done at the company’s diagnostic centers and you can have a free health check-up at the time of the renewal of the policy
While computing your annual income for the calculation of taxes you can show the amount of the premium for the deduction. You are eligible to take deductions under section 80C of the Income Tax Act and save some of your taxes.
Any Illness that arises within 4 years from the date of the inception of the policy will not be covered in the plan.
The Company will not cover any medical expenses incurred within 30 days from the date of the inception of the policy.
Illnesses that are already excluded before in the ICICI Lombard Health Care Plus Plan.