Benefits of Having a Comprehensive Health Insurance Policy

There are several benefits of health insurance, as you’ll find out. Comprehensive health insurance matters immensely in a global environment, where people often travel frequently for work and other purposes.

What is a Comprehensive Health Insurance Policy?

Comprehensive health insurance policies are increasingly becoming popular among customers worldwide.

Definition and key features of comprehensive coverage

Comprehensive health insurance offers broader and more inclusive coverage for a wide range of medical costs. These typically include surgeries, hospitalisation, outpatient treatment (where applicable), pre- and post-hospitalisation expenses, ambulance charges, preventive screenings, daycare procedures, and, in some cases, critical illnesses.

How does it differ from basic or limited health plans?

Basic or limited plans may cover only hospitalisation and other core needs, while comprehensive plans may include hospitalisation, inpatient and outpatient care (if offered), daycare, diagnostic tests, and more. This is one of the benefits of health insurance plans in this category.

Types of benefits typically included

The benefits usually include cashless treatment at network hospitals, domiciliary care, inpatient and outpatient treatment (depending on plan features), hospitalisation, surgeries/treatment, and ambulance charges. Many plans also offer pre- and post-hospitalisation care, maternity care, dental and optical care, preventive care, and mental health care. Coverage for some of these features may be subject to waiting periods or available as add-ons.

Key Benefits of a Comprehensive Health Insurance Policy

Here are some of the benefits of health insurance plans in the comprehensive category.

Financial protection against unexpected medical expenses

These plans give you extensive financial coverage against sudden and unforeseen medical costs, without worries about depleting your savings.

Access to quality healthcare without financial worry

The best part is that you can get extensive coverage that enables high-quality healthcare treatments and procedures.

Coverage for hospitalisation, surgeries, and chronic illness

You also get seamless coverage for surgeries, chronic ailment treatments (which benefits those living with chronic conditions), and hospitalisation-related expenditure.

Daycare procedures, diagnostics, and post-hospitalisation benefits

These plans cover a wide range of services, from daycare procedures and diagnostic tests to screenings. You’re also protected for post-hospitalisation care, medication expenses, and related medical costs.

Family coverage and maternity support (where applicable)

Another advantage is that you can opt for a family plan and cover everyone smoothly without any hassles. Maternity care and support are also available under these policies.

The Need for International Health Insurance in a Globalised World

International health insurance plans are immensely beneficial. Here’s why:

Why do domestic policies fall short for NRIs and expats?

Domestic policies often fall short due to insufficient or limited coverage, which is often not enough to take care of sudden emergencies. Also, NRIs and expats may travel frequently and require cross-border coverage instead of local plans. Many employer-sponsored group health plans may also lapse once employment ends.

Growing mobility: working, living, or retiring abroad

Growing mobility of NRIs and expats is another factor that necessitates international insurance, especially if they are working, living, or even retiring abroad.

Portability and cross-border treatment access

Access to treatment across countries without geographical restrictions is a key benefit of international insurance policies.

Emergency evacuations and treatments outside the resident country

Emergency evacuations and air ambulances are often necessary outside the resident country in sudden emergencies. Urgent treatments may also be necessary, and that is what international insurance covers.

Advantages of International Health Insurance Over Local Plans

Here are some of the benefits of international health insurance plans:

Multi-country medical support

One of the key benefits is that you get medical support and coverage in multiple countries without any worries.

Access to international hospital networks

Another benefit is the international hospital network access, which helps you access seamless treatment without any compromises.

Protection against currency fluctuations (with USD-based plans)

Global health insurance plans help you mitigate exchange risks and offer stable premium structures, especially USD-based plans.

Better claim support for expats

International health insurance policies enable quicker and improved claim support for expats, helping them access funds easily for treatments and other procedures.

How HDFC Life International’s Health Insurance Plan Meets These Needs?

HDFC Life International has health insurance plans tailored to meet varying requirements.

US Dollar-denominated comprehensive coverage

HDFC Life International offers US Dollar-denominated extensive coverage, which helps NRIs and expats immensely.

Designed for NRIs in the Middle East and globally mobile families

These policies are tailored for NRIs living and working in the Middle East and globally mobile families who are frequent travellers.

Seamless onboarding, claim process, and renewability

HDFC Life International also offers smooth claim and onboarding processes designed to maximise convenience, along with easy renewability for a customer-friendly experience.

Tailored benefits: hospital networks, emergency support, and more

You also get several benefits of health insurance plans from HDFC Life International. This includes prompt customer support during emergencies and vast hospital networks to make cashless treatment seamless.

It is Time To Buy Health Insurance

Extensive health insurance is not a luxury today, but also a must-have, considering the globally mobile lives of NRIs and expats today. Thus, with HDFC Life International health insurance policies, NRIs should secure a financially healthy and secure future globally for themselves and their families.

FAQs On Benefits of Health Insurance

What is the difference between basic and comprehensive health insurance?

Basic insurance mostly sticks to core hospitalisation, while extensive health insurance covers not just hospitalisation but also inpatient care (where included), diagnostics, and more.

Who should consider international health insurance?

Frequent travellers and global citizens should consider international health insurance, along with expats and NRIs.

Is comprehensive health insurance expensive?

Comprehensive health insurance is costlier than basic plans, although it is still pocket-friendly for most customers.

Can NRIs buy HDFC Life International’s health plans online?

NRIs can easily buy HDFC Life International’s health plans online and get prompt support and a user-friendly process.

What does USD-based health insurance cover?

If it is a comprehensive health insurance plan (USD-based), then it will cover hospitalisation, surgeries, pre- and post-hospitalisation care, OPD and inpatient care, diagnostics, ambulance costs, maternity care, etc.