The best health insurance plans cover all your medical expenses. It is much needed in a world full of uncertainty and chaos. One must protect the family under reliable policy because of the increasing medical costs, especially of the private sector. Health policy is a savior during an emergency. It helps a lot to reduce the financial stress during the challenging period. Health policies cover costs due to hospitalization, doctor visit, medical examinations and others.

Benefits Provided by the Best Health Insurance Plans
To understand the different benefits of a Health policy, read below.

Policy Coverage:When you are buying the best health insurance policy, first thing to confirm is its coverage. The covers should be sufficient to ensure the security of the family. Most of the health plans cover the following expenses.

Hospitalization Charges: Hospitalization charges are incurred when a person gets admitted for more than 24 hours. Most of the plants cover the inpatient expenses, including room rent, medicines cost boarding charge, ICU expenses and others.

Pre & Post Hospitalization Charges:The best Health insurance plans in the market provide coverage for some specific days before and after hospitalization. These expenses generally include medical examinations, doctor visits and more.

Ambulance Charges: Most health insurance plans provide coverage for the ambulance charges needed to transport the patient to their nearest available hospital. But there is a limit for these expenses, which should be checked with the insurer.

Daycare Charges:The treatments that do not require hospitalization for at least 24 hours are daycare treatments such as dialysis, chemotherapy and others. Most health insurance policies cover a specific number of procedures. The exact details are mentioned in the policy documents.

Domiciliary Hospitalization Charges: Domiciliary hospitalization charges incur because of the treatment done at home, which might have needed hospitalization otherwise. Most health plans provide coverage for these expenses. But one must find the terms and conditions in the policy documents.

Cashless Treatment: Most of the health insurance companies tie-up with some hospitals called network hospitals. One can avail cashless treatment only in these network hospitals. When a person wants to get treated at a non network hospital, they have to pay the bills. The

insurance company can reimburse the charges. But for this, one has to claim. It is crucial to note that a claim can be approved depending on the terms and conditions in the policy documents.

Portability Benefits:Health insurance policy portability helps the policyholder to transfer the existing plan to a new insurance provider. This makes insurance companies prioritize the policy holders' needs and not take them for granted and safeguard their interests. It also offers policyholders flexibility in choosing a better option when they are not satisfied with the current plans.

Medical Costs are Rising: Medical expenses are rising in India. So, it has become imperative to purchase a reliable insurance policy. These policies provide financial security in an emergency. Thus, health policy not only reduces stress, but also provides protection. There are various cancer insurance policies available that can help to manage the rising costs.

Income Tax Exemptions:The government is promoting Health Insurance by providing tax deductions. According to Section 80D, one gets tax exemptions on their premium paid.

Most insurance companies provide no claim bonus to their policyholders who do not make claims in the policy years as a reward, which is applicable for individual plans and family health plans

Lifetime Renewability:Most insurance companies allow lifetime renewability to their policyholders, especially if they are senior citizens. IRDAI has provided guidelines to the insurance companies to provide this benefit.

No Claim Bonus:Most insurance companies provide no claim bonus to their policyholders who do not make claims in the policy years as a reward. This is also called a cumulative bonus and is applicable for individual plans and family health plans. But one has to remember that there is no coverage limit extended through a no claim bonus.

How To Purchase A Health Policy?
You have seen all the benefits of buying a policy. Now let us see how to purchase it. One can buy a policy online. To choose the best health insurance plans, one has to compare several policies available. The calculator helps to give you the coverage needed depending on your requirements. It is not only easy to use a calculator, but also time saving.

You need to provide inputs such as age, gender, occupation, income and other data.After calculating the cover required, it also provides you with several options available, and you can choose accordingly. It is always good to buy a policy online, where you get the flexibility of payment, an opportunity to compare different policies, and many more advantages.

The best health insurance plans provide various benefits. So, you not hesitate to buy one. Choosing the right policy at an affordable premium is the key. The golden rule is to start early.