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What is Comprehensive Health Insurance?

Comprehensive medical insurance is a policy that provides extensive coverage and secures the healthcare requirements of the insured under a single plan. Such comprehensive health coverage eliminates the need to purchase different health plans to cover various medical expenses. Furthermore, most comprehensive health insurance plans offer coverage for expensive medical procedures and treatments such as organ transplants or critical illnesses.

What Do Comprehensive Health Insurance Plans Cover?

Here are some key inclusions of the comprehensive medical insurance plan:

  • Pre and Post Hospitalisation

The comprehensive health care plan covers the expenses incurred before your hospitalisation and after you have been discharged. This includes diagnostic tests, blood tests, X-rays, MRIs, follow-ups, etc.

  • In-Patient Hospitalisation

This includes the expenses resulting from your hospitalisation for over 24 hours such as the room rent, ICU charges, nursing charges, oxygen, doctor’s consultation, etc.

  • Daycare Procedures

The daycare medical treatments that can be completed in less than 24 hours are also included in comprehensive medical coverage. Some examples of daycare procedures are angiography, dialysis, chemotherapy, etc.

  • Domiciliary Hospitalisation

If you cannot get hospitalised due to your health or aren’t able to find a vacant bed at any hospital, you can avail treatment at home with domiciliary hospitalisation.

  • Pre-Existing Conditions

Fully comprehensive medical insurance provides coverage for pre-existing diseases and secures the hefty treatment expenses that you may have to bear. However, a waiting period may be applicable depending on the insurer.

  • Organ Donor Expenses

The expenses incurred for an organ transplant are covered under the comprehensive medical insurance policy.

  • Alternative Treatment

Most comprehensive health insurance plans enable you to seek alternative treatment such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.

  • Ambulance Cover

The cost of an emergency ambulance facility is included in the plan to get you to the hospital in no time.

  • Critical Illness Cover

The treatment cost of specific critical ailments may be covered by the insurance provider for ease of mind!

  • Annual Health Check-up

Comprehensive medical insurance coverage also enables you to check for any undiagnosed health risks with a complimentary annual health check-up.

  • Add-on Covers

The coverage available under health plans can be enhanced with add-on covers such as maternity covers, hospital daily cash covers, accidental death covers, etc. These are available at nominal prices while purchasing the policy or during health insurance renewal.

Comprehensive Health Insurance Plans at Bajaj MARKETS

Comprehensive medical insurance policies on Bajaj MARKETS offer extended protection and lucrative premium rates! Check out some of the available health plans with their sum insured amount and premium quotes:

Comprehensive Health Insurance Plans

Insurance Coverage 

Premiums Starting at*(without GST)

Check Plans

Bajaj Allianz Health Guard Gold 

 ₹2 Lakhs - ₹50 Lakhs

 ₹3,200

Bajaj Allianz Extra Care

₹3 Lakhs - ₹50 Lakhs

 ₹2,487

Aditya Birla Activ Assure Diamond Plan

₹4 Lakh - ₹2 Crore

₹3,294

Care Health Insurance Plan Up to ₹50 Lakhs  ₹4,472

Disclaimer: *Premium rates are indicative. The actual premium that you might have to pay may change depending on numerous factors. Please check the prevailing premium rates before buying health insurance.

Why Should You Buy a Comprehensive Health Insurance Policy?

In today’s day and age, having a comprehensive insurance backup has become important. So, let’s look at some reasons why you should opt for a comprehensive medical policy:

  • Extensive Protection

When compared to a basic health plan, a comprehensive insurance policy provides wider coverage against unforeseen medical risks. As you may already know, health problems may arise anytime even if you follow a balanced diet. To make sure you have sufficient financial security in the time of an emergency, the extensive protection offered by comprehensive plans is much-needed!

  • Secures Your Loved Ones

Did you know that comprehensive medical plans also come with a family floater option? Thus, you can safeguard the insurance needs of your dependents and gain security against rising medical care costs.

  • Coverage for Pre-Existing Ailments

As we mentioned above, comprehensive health plans offer coverage for pre-existing conditions with a waiting period. Although you will be able to claim the medical expenses after a certain time, the insurance policy enables you to make significant savings in the long term.

  • Cashless Facility

In the event of an emergency, you can rest assured due to the cashless facility available under comprehensive health care plans. The insurance provider shall cover the expenses incurred based on the terms of your policy while you can recover without worrying about your finances.

  • Add-on Covers

Gain additional protection in case of specific events with add-on covers in a comprehensive medical policy! Depending on your needs, you can choose suitable covers and maximise your health coverage at a nominal price.

How to Buy a Comprehensive Health Insurance Policy

With the below steps, you can purchase a comprehensive medical insurance plan easily:

 

Step 1: Go to the ‘health insurance premium calculator’ page on Bajaj MARKETS.

 

Step 2: Select a suitable type of comprehensive health plan. Enter the details required on the page such as your name, age, contact number, residential pin code, etc. and proceed.

 

Step 3: You shall find various health plans visible on the screen.

 

Step 4: Compare the available comprehensive policies based on the sum insured, add-on cover options and other benefits.

 

Step 5: Proceed with a suitable health plan and review the policy details.

 

Step 6: Complete the premium payment online.

 

Step 7: Your comprehensive medical insurance policy will be issued soon!

Final Thoughts!

We hope you have understood how comprehensive health plans safeguard you and your loved ones against medical risks! Be it a planned or an emergency treatment, the health insurance policy makes sure you can avail a cashless facility without any hassle. Moreover, the all-round coverage available under comprehensive plans ensures financial security in your time of need. So, browse through the health insurance plans on Bajaj MARKETS and enjoy budget-friendly premium quotes today! You can now get an insurance quote with our easy-to-use health insurance premium calculator.

Best Health Insurance Plans Available at Bajaj MARKETS

FAQs on Comprehensive Medical Insurance

  • ✔️What is the meaning of comprehensive health insurance?

    Comprehensive medical insurance means that it is a health plan which offers all-round coverage in case of various unforeseen medical requirements. Be it alternative treatment, pre-existing ailment or critical illness, comprehensive health coverage secures it all!

  • ✔️How is a comprehensive health insurance plan different from a regular health plan?

    Comprehensive medical insurance covers numerous kinds of medical expenses which are not covered by a regular health plan. This includes organ donor cover, pre-existing illness cover, AYUSH treatment, etc. You can avail extensive coverage with a comprehensive health plan. 

  • ✔️Why is having a comprehensive health insurance plan important?

    Comprehensive health coverage secures you against increasing healthcare inflation and emergency medical requirements. With a cashless facility and the 360-degree coverage available under the policy, you can always rest assured when it comes to your health! 

  • ✔️What is a waiting period in comprehensive health coverage?

    A waiting period in health insurance is a duration when no claims related to a specific ailment are accepted by the insurance provider. You can start raising claims after the applicable waiting period is over and avail an insurance cover for that specific disease. 

  • ✔️Do comprehensive medical policies offer tax benefits?

    Yes, comprehensive medical plans offer health insurance tax benefits under Section 80D of the Income Tax Act, 1961, where you can claim the premium paid towards the policy.