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The number of day care treatments covered is different for different Max Bupa (Nivi Bupa) health insurance plans. Few plans cover up to 500 day care treatments while few plans cover 120+ day care treatments. It is advisable to talk to our health insurance expert before deciding on the type of health insurance plan. Due to the advancement in technology there are many diseases which are treated within a day and do not require in-patient hospitalization. These treatments are known as day care treatments and the maximum coverage under these plans is the sum insured mentioned in the policy.
There is no limit on the maximum sum insured that can be opted in a health insurance policy. Many health insurance policies offer up to Rs.1 Crore coverage, there are instances where the coverage is extended beyond Rs.1 Crore depending on the client profile. Any request for sum insured higher than that available with the insurance company product will be referred to the underwriter who will examine the client profile and the need for such exorbitant coverage and decide on the insurability.
Determining the appropriate health insurance coverage amount depends on various factors, including your age, current health status, lifestyle, family medical history, financial capabilities, and healthcare needs.
As a general rule, it's recommended to have health insurance coverage that is adequate to cover potential medical expenses, including hospitalization costs, medication expenses, surgical procedures, diagnostic tests, and other medical treatments.
Considering factors such as inflation and rising medical costs, consult with a qualified insurance professional to determine the appropriate health insurance coverage amount that meets your specific requirements and budget, ensuring you are adequately protected.
It will ensure that all the effects such as child education, loan repayment, marriage, and regular earnings for the spouse are taken care of, provided the policy is renewed timely. As a thumb rule, it should be 100 times your monthly income. For example, if your current earnings are Rs. 10,000 then you can buy a personal accident cover of Rs. 10, 00,000.
One of the main disadvantages of having health insurance is the cost, Pre-Existing Exclusion, Waiting Period, Increase in Premiums, Co-Pay. Health insurance can be very costly even for those that have a health insurance plan through their employers. Costs may be so high that many end up struggling to make payments. This can be quite challenging for those who have low incomes or are self-employed.
Many group insurance firms provide maternity coverage to pregnant women. The pregnancy plan covers all the hospitalizations charges from boarding to nursing. This plan covers all the medical charges incurred during the pre and post-delivery period. This duration is predefined by the insurer. All the costs that occurred for surgeries and pregnancy complications can be claimed. Expenditures for pre and post-natal durations are provided to the insured through this plan. The maternity insurance policy covers pre and post-natal care, C-section operation, and also a vaccination for newborn baby for a specified period.
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