Liabilities Covered Under a Health Insurance Policy

Medical expenses are one of the biggest recurring expenditures in almost each and every family. The unhealthy habits among people have increased to a great extent, which has subsequently led to the rise in diseases and ailments.  Due to the high intake of alcohol and processed food among the current generation, there has been a significant rise in lifestyle diseases, such as diabetes, heart problems, obesity, hypertension, etc.  Moreover, there is always a chance of unfortunate accidents, which can also lead to high medical expenses for a person.

Medical expenses can be a big dent on your bank balance. Not only operative or surgical treatments, but the costs of medical consultation, as well as prescription drugs have also increased to a great extent. With advancement of medical science, the costs of healthcare procedures have also shown a significant rise. In order to avail the facilities of the modern medical techniques, a person needs to spend a large sum of money, which might take a toll on his/her finances.  Thus, it is important for a person to have a family health insurance, in order to ensure the good health and economic stability of his/her family.

With the help of a reliable insurance plan, your family can get the best possible medical treatment without worrying about its financial implications.

Here are few of the liabilities covered under a regular health insurance policy: 
 
•    Hospitalization expenses: Includes day-care and in-patient treatment. The trips to the emergency room are also added under this expense.
•    Pre and Post Hospitalization Expenses: Incudes confirmatory tests, medical consultations, medications, post-op care, follow-up visits, physiotherapy, etc.
•    Outpatient care: Includes the medical costs incurred without being admitted to the hospital, such as diagnostics, preventive medication, doctor’s visits, etc.
•    Domiciliary Hospitalization Treatment: These expenses are incurred on the treatment received by a patient at home, due to their fragile condition or non-availability of a room at a hospital.
•    Recovery: These expenses include the prescription drugs and services that help a patient to recover from a chronic condition or injury, such as occupational therapy and psychiatric rehabilitation.
•    Ambulance Charges: These expenses include the charges incurred while availing the ambulance facility.

In order to invest in an insurance policy that provides the coverage for all the above expenses you can take the help of a reputed insurance broker. They can effectively assist you in identifying the most affordable insurance policy that meets all your requirements.