Different Types Of Add-On Services In Health Insurance.
To make sure that you never fall short of money while medically treating your loved one, health insurance was launched. The popularity of health insurance can be seen from the increasing market share of the same in the last few years. Since more and more people are getting aware of the use and benefit of health insurance, companies have been offering new and extra features on health insurance as well. Some of these features are free and included in the yearly premium amount of health insurance. However, some of the premium features are available with a minimal add-on payment. Let’s have a look at some of these features, which has made health insurance even more beneficial for individuals.
Table of Contents
Ambulance and transport coverage
It is perhaps one of the best add-on features in Health insurance, which is added without any extra cost to the actual premium amount. Health insurance with ambulance cover services is now standard and offered by almost every health insurance company in its policies. It covers that ambulance cost within the city and even the cost of transport from one town to another in specific cases. Both to and from hospital transport cost is covered under this feature.
Pre and Post expenses
Earlier health insurance only used to cover the costs for an individual after he or she is being admitted, and till the time, the patient was excellent and relieved. However, the cost of medical treatment went beyond that coverage as the individual had to pay a lot on the tests before hospitalization and on medicines after being relieved. It is the reason why health insurance companies have now added pre and post hospitalization cost in the package without any extra cost. Since a person has to undergo a lot of tests, these are covered by the insurance company. Also, any prescription after hospitalization is covered without any extra cost to the premium.
Addition of Critical illness
Many health insurance companies do not cover major critical illnesses and only include treatable diseases. However, many insurance companies have offered health insurance policies where problems like Cancer, HIV, and other similar and critical illness are covered at a minor extra cost. You don’t need to pay the add-on amount as some health insurance companies also provide coverage for this illness in the regular premium of the policy.
Maternity Coverage
Maternity coverage is something that is not included in health insurance as it is not an illness or disease. Since maternity is not an illness, it is not included in Health insurance. But now many companies have started including maternity in their health insurance as well for an extra premium payment. Under this, the insurance company will pay the entire amount until the delivery of the child and until both the mother and child leave the hospital. The premium of maternity coverage is a bit higher, and the only available in a few health insurance policies.
Conclusion
These are some of the most popular addons on services that are included in health insurance. One can contact their health insurance company to check what other kinds of addon medical coverage do they provide. Also, make sure to check which addon feature is free and which one needs to be paid for.