Supplemental insurance benefits are benefits that pays on occurrence of specific event. These are the benefits that an insured can avail either on hospitalization or on suffering from critical illness.
Hospitalization coverage
Health Insurance Companies provide hospitalization coverage for the enlisted diseases. These health plans have different coverage limits with regard to pre-hospitalization and post-hospitalization, subject to terms and conditions.
Health plans, Accident plans, Travel plans, Medical plans etc. all provide hospitalization coverage in different situations, depending upon the cause of hospitalization.
An insured can avail the facility of cashless hospitalization, which allow you to get medical treatment, up to the sum insured, for free in any of the network hospital. In case of treatment in non-network hospital, you can claim for the reimbursement of the expenses incurred.
Critical Illness Cover
Critical Illness Cover aims to insure you against the risk of serious illness. All health insurance companies have their own terms and conditions and thus, provide coverage to different diseases.
Tuesday, January 26, 2010
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I guess this form of insurance is more applicable for people who have insurance plans that do no cover any of those details. Some companies (I know of Apollo Munich, cause I use their plan) have health insurance plans that incorporate many factors which come under what is commonly known as supplemental insurance. That is what I deciphered after reading up on the topic.
ReplyDeleteThanks to Apollo Munich for designing Insure Health plan that offer me coverage for my ayurvedic inpatient treatment.
ReplyDeleteI recently purchased Apollo Munich's Easy EHalth plan that gave Critical Illness Cover along with it.
ReplyDeleteGood products and services offered by Apollo Munich. Thanks for offering me the coverage, when I was hospitalized.
ReplyDeletei too have used the easy health plans... they are very good...
ReplyDeleteI too have a plan from Apollo Munich and it is good.
ReplyDelete