It is vital for every family to invest in health insurance because of the role that it plays in bringing down medical bills. It is not possible for a family in todays rising costs to face all of it by themselves. They will have an enormous amount of bills to pay which can put a severe dent on the finances.

A mediclaim policy will help curb such expenses with its coverage thus bringing down the financial strain of the situation, while you are recovering from the health problem. There are many type of plans available, each offering different types of coverage benefits. You need to take a mediclaim policy that covers various types of risks enabling you to bring down medical expenses and also other sundry expanses significantly. A policy that can help you do this is the comprehensive health insurance.

Why Is Comprehensive Health Insurance The Best Coverage?

It offers coverage for various types of medical expenses such as treatment expenses, expense arising from hospitalization, pre and post-hospitalization, domiciliary hospitalization. It pays a lump sum in case of critical illness. If any day care procedure has to be followed, it pays for the expenses. These are the key benefits offered by the policy and there are many more. For example, there is unlimited room rent as part of the coverage. Every year when you renew the policy there is a discount offered that brings down premium cost. At the time of claim, you can easily get through the claims process as there is a dedicated claims handler to manage your claims. There are many add-ons available as part of this plan that you can opt to get extra coverage. Examples of such add-ons are home nursing, recovery grant, childrens education grant, out-patient treatment for accidents, home nursing and much more.

Cashless Cover An Important Benefit Offered By Comprehensive Plan

One of the key benefits that you must look when signing up for a policy is cashless coverage. This is offered as part of a comprehensive health policy. This cover enables you to take treatment in any hospital that falls under the insurers network but without paying any cash. The insurance company directly pays for your expenses. You have to just show your insurance card to take treatment. This benefit is highly convenient when you have to be suddenly admitted to the hospital. It can be availed in the city where you live and even if you are in another city.

Processing Your Claim

At the time of claims, fill the medical claims form with required information and submit it to the insurance companys website along with required documents. If you have any questions on the claims process call up the customer care number and find out. Your claims application and supporting documents will be checked by the company, after which money will be provided. Claims forms are processed quickly so that you can get money in the shortest possible time to meet expenses.