Most of us certainly believe that a health insurance cover is limited to just reimbursement of hospitalization expenses. However, health insurance companies have started offering additional services along with their policies. While majority of the health insurance companies in the market cover only hospitalization charges, but with time, insurers have broadened their health insurance policies to cover much wider range of benefits.
Aditya Birla Health Insurance arm introduced Activ Health Enhanced which is comprehensive health insurance cover, explicitly designed keeping in mind the needs of middle income groups of the country. This policy aims at providing enhanced coverage to the policy holders, be it individuals or families. Activ Health Enhanced is available in flexible terms that range from 1 to 3 years, offering wide range of services to its policy holders. Some unique features of Activ Health Enhanced include – no limit on the entry age, policy offers an enhanced protection with sum insured up to 2 crore, covering day 1 for illnesses like diabetes, asthma, hypertension, etc.
The insurers believe that such value added benefits will push more people to adapt a healthy lifestyle, which would support insurance companies in the long run as the number of claims will lessen over a period of time. Similar to the Aditya Birla’s Activ Health Enhanced, Apollo Munich Insurance offers Apollo Munich Health Wallet. The name Health Wallet itself indicates that it’s a product where your money is going to be stored, which you may utilize for your health expenses. This policy is way different than the rest, firstly, it can be purchased offline and second benefit is that it offers an interest of 6% p.a. on your wallet money. This money, if not used in a year, it will be carried forward to form a Health fund for your routine health expenses. This policy is available for sum insured of Rs. 3 lakh to Rs. 50 lakh. Just like any other health insurance plan, this one will cover hospitalization charges, pre and post hospitalization charges, etc.
While these plans fall in the same category, Max Bupa’s Go Active cannot be missed out. In a first of its kind product, this policy is a perfect blend of premier health tech brands to fulfill the basic daily health needs of customers. Go active has been specially designed for an ‘everyday use’ to give customers a 360-degree coverage that will include inpatient hospitalization, diagnostics, access to OPD, special health coaching, an alternative health opinion, and behavioral counseling. The policy also offers renewal discounts of up to 20% on achieving pre-defined health targets.
Right from day 1, this policy helps in savings to customers by offering complementary body-checkup up to Rs. 2500 and also cashless OPD services.
With an additional wellness benefit in the current health insurance plan, it will be a win-win situation for the customers and insurers. It is therefore necessary for the customers to look beyond insurance premiums and look forward to added features and an effort to reduce your day-to-day expenditure towards healthcare and wellness.