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About Convalescence Benefit in Health Insurance

The medical costs in India are rising by the day. In such times, having a health insurance plan will ensure that yours and your family’s medical expenses are well taken care of. That’s not it; there are a few benefits of health insurance plans that people are still unaware of.

For instance, recently, Nitin came to know about the health insurance benefits from a friend and decided to purchase the policy. He was delighted to know that the health plan covers the medical and treatment expenses for him and his loved ones. Moreover, he can avail of the health insurance tax benefits as well. 

But a health plan is not limited to paying your medical bills. Have you heard about health insurance convalescence benefits? If not, then keep reading to know more. 

What Is Convalescence Benefit In Health Insurance?

While an adequate health plan will cover for your hospitalisation and treatment costs, it also offers something known as convalescence benefit.

Depending on your health condition, you might require to be hospitalised for a prolonged period. However, in such situations, your insurer offers a lump sum amount for your recovery. This recovery period in the hospital is termed as convalescence and is usually for 7-10 days.

The convalescence benefit in health insurance will cover the expenses for recovery post-discharge from the hospital. It can also include the loss of income in case of prolonged hospitalisation as you are entitled to receive a lump sum amount for the recovery.

Why Does the Insurer Pay the Lump Sum?

People who have a health insurance plan are mostly unaware of the convalescence benefits available under it. With this feature, the insurer compensates you for the loss of income incurred when you are hospitalised. This ensures that your medical treatment expenses are well taken care of and neither you or your loved ones have to dig into their savings.

Family Visits under Convalescence Benefit

Many a time, convalescence benefits also cover compassionate visits under it. That means if any of your family members live away from you and want to visit you in the hospital, then their conveyance expenses will be taken care of by the insurer.

Other Less Known Health Insurance Benefits

Apart from the convalescence benefit, health insurance plans in India offer the following lesser-known benefits as well –

  1. Good health bonus

Many insurers offer rewards for maintaining good health in the form of a good health bonus, which is also known as the no claim bonus (NCB). In other words, if you get through the year without making a single claim on your health insurance, then you are eligible for the NCB.

The accumulated NCB can be used to either increase the sum insured amount or discounts on the premiums when renewing the health plan. With this bonus, you can increase the sum insured amount by 5-20% each claim-free year, subject to a maximum of 50-100% of the sum insured.

  1. Free medical checkup benefit

Many insurers offer the facility of annual/bi-annual free medical checkups under the health insurance plan. The results of this result will have no impact on the premiums charged. It is solely offered so that the policyholders can get an update on their health conditions, time and again. Hence, certain medical checkups can be done for free under your health insurance plan.

  1. Non-allopathic treatment coverage

Certain health insurance plans only cover allopathic treatments. However, there is a significant increase in alternative treatments and medicines in the healthcare sector. Because of this reason, insurers in India have started to provide coverage for non-allopathic treatments such as Ayurvedic and homeopathic treatments. But before you claim for these treatment expenses, confirm whether your insurer offers coverage for the same or not.

  1. Treatment from home coverage

At times, when there are no hospital beds available or due to the severe condition of the patient, people have to seek treatments from home. So, to cover these expenses, many health insurance plans offer coverage for domiciliary treatments as well.  However, know that the scope of covering the treatment from home expenses can vary from insurer to insurer.

  1. The daily hospital cash allowance

While health insurance plans are taking care of the medicinal and treatment expenses, there are certain additional expenses that you have to consider. These include traveling, food, and accommodation expenses. Many health insurance plans offer daily hospital allowance to cover these said expenses for a specific period.


Your health insurance plan covers more than just the hospitalisation and medical expenses. As a policyholder, you should be aware of the convalescence and other health insurance benefits as well. This helps in making an informed decision when covering yourself and your family members under a health insurance plan.

In case you are looking for a comprehensive health insurance plan, browse Health Insurance Plans at Finserv MARKETS. The policy offers extensive coverage, reinstatement benefits in case you exhaust your sum insured amount, cashless claim settlements, bespoke health plans to fulfill your rising needs, and so much more.

So, don’t wait! Get a health insurance plan with us at Finserv MARKETS today.

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