Health check ups: Many insurance policies allow you the benefit of a complimentary health check-up, usually, once a year. For example, under the Niva Bupa Health Premia Policy (silver and gold plan), you maybe eligible for annual tests worth Rs 1,250 to Rs 7,500; Under the ManipalCigna ProHealth Protect & Accumulate plans, a health check-up is available only once every third policy year; Under the ProHealth Plus, Preferred and Premier plans, it is available each policy year excluding the first year.
Room rent capping: Even if your hospitalisation bill is well within your sum insured, your room rent may only be covered up to a certain extent. Some insurers may specify the type of room that you are eligible for under your policy. In both cases, you will have to bear the extra cost out of pocket!
Waiting period: A health insurance policy has three types of waiting periods—a standard 30-day waiting period (expenses related to the treatment of any illness within 30 days from the issuance of your first policy are not covered), a pre-existing diseases waiting period, (where coverage for any pre-existing disease starts only after sometime) and a specified disease/procedure waiting period (where specific cases as listed for this period). The insurance policy provides coverage only after the elapse of these waiting periods.
Pre- and post- hospitalization coverage: Your policy could cover not only hospitalization expenses (on consultations, investigations and medicines) related expenses up to a few days before and after hospitilization.
Restoration / re-loading benefit. This is a useful feature that helps restore your insurance cover to the original sum insured once it is used up. It can provide you and your family adequate health cover in a year where you have had to file multiple claims.
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