6 lesser known Benefits of a Health Insurance Plan that you must avail


6 lesser known Benefits of a Health Insurance Plan that you must avail

With the rising need for health insurance more and more people are now opting for it. A health insurance plan comes with numerous benefits that you might not be completely aware of some of them. Some of the common health insurance benefits are pre and post hospitalization expenses, cashless treatment, and annual health check-up. Apart from these, other benefits are offered by a health insurance plan.

We have bought some of the lesser-known benefits of a health insurance plan which the insured must be aware of.

1. No-claim bonus: This benefit is provided by the majority of insurance companies. In this feature, if an insured has not filed a claim during one year. It is collected to the sum insured every year that reduces the cost of the premium. The bonus can be a higher sum insured that the policyholder has to pay at the time of renewal. Some insurance companies offer a cumulative bonus for every no-claim year. Care Health Insurance offers a yearly increase in the sum insured by 5-10% and there is a limit to this increase that is 50% of the real sum insured.

Click to know about No Claim Bonus

 2. Domiciliary Hospitalization: Some health insurance companies offer a cover for the treatment of a medical condition that can be done at home under medical supervision. This depends on the type of health insurance plan. This benefit can be availed if the patient is not in the condition to go for a treatment or if there are no beds available in the hospital. However, this cover comes with a limit on the amount and number of days for which the benefit is available.

For instance, if you have opted for Care Freedom-health insurance for diabetics from Care Health Insurance, then you will get a reimbursement if the hospitalization is for more than 3 successive days.

3. Lifelong renewability: This feature allows an insured to renew the insurance plan for lifelong. In most policies, the age is not exceeded beyond 90 years. Once a customer is enrolled, he or she can continue to stay covered throughout their life, but they have to renew their plan on time annually.

4. Cover for alternative treatments: As per the Insurance Regulatory and Development Authority (IRDAI), the health insurance plans are not only restricted to allopathic treatments that need hospitalization. It provides cover for treatments such as AYUSH-Ayurveda, Homeopathy, Unani and Siddha. These treatments have been able to cure various diseases. Before buying any health insurance plan, it is advised to properly read the plan and find out whether the expense is covered at all centers or only at accredited centers.

5.OPD Treatment: Many insurance providers offer outpatient expenses such as consultation fees, pathological tests, and cost of medicines. In this treatment, the policyholder is not admitted as a day-care patient.

6.Ambulance cover: In this case, the company indemnifies the insured through reimbursement up to the amount that is specified against the benefit in the insurance plan for the reasonable charges that are incurred on availing ambulance services provided for the policyholder’s transportation.


Buying a health insurance plan involves planning and consideration of many factors. With a plethora of health insurance plans, there is a tough competition in the market. To get beyond the expectations of customers, many insurance providers are coming up with value-added benefits.

If you are thinking to buy health insurance with benefits, then it is always advised to consider these benefits and buy a comprehensive health insurance plan for yourself. Care Health Insurance offers various indemnity covers such as Care Freedom, Care Senior and so on.

Disclaimer: Please read the brochure and prospectus to know more about our health insurance plans cover as conditions may vary.


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