Of course, along
with regular health insurance plans, one can supplement the medical insurance coverage with health insurance plans covering specific critical illness like cancer.
These plans are
like regular health insurance plans with the added benefit of deductibles, wherein the deductible limit functions like a threshold, and claims to the extent of the deductible limit are not payable under the policies.
It's obviously cheaper than
your regular health insurance plans.
The benefits offered under this scheme are different from
the regular health insurance plans, because the Health Companion Health Insurance Plan operates on the annual aggregate, which makes it more flexible for use.
Many people will use short - term plans as a temporary bridge until enrolling in
a regular health insurance plan.
With
a regular health insurance plan, your out - of - pocket amount would be far less.
Unlike
a regular health insurance plan which only reimburses or supports the treatment cost of the insured person, a rider — once triggered — gives a committed payout for the given conditions.
Visitors Medical Insurance plans do not work like
your regular health insurance plans (provided through your employer), where the all you owe is a co - payment ($ 5 or $ 10).
Having health insurance isn't a guarantee against landing in debt from your health expenses, but medical gap insurance lessens the burden by providing coverage for many things that
your regular health insurance plan doesn't cover.
United India Super Top Up Plan covers total hospitalization expenses exceeding the threshold level under any regular health insurance plans
Unlike
a regular health insurance plan, these do not pay a percentage of your care.
In doing so, you may also want to consider adding amount of coverage for medical and / or end of life hospice costs that may not be paid for via
your regular health insurance plan.
To avail this rider benefit with
a regular health insurance plan, you may have to pay slightly a higher premium.
You can add this accidental rider with
a regular health insurance plan to maximize your policy benefits.
Rather, it comes as an additional coverage or a rider in
a regular health insurance plan.
Please understand a Critical Illness insurance plan is not a substitute for
a regular health insurance plan.