A lot of people are under the misconception that a health insurance policy only pays for your hospitalization expenses. But, this is not the complete picture because the best health insurance plans will not just pay the bill, but also provide coverage for a variety of other medical costs and expenses. The problem is that most policy holders are not aware of the benefits offered by these health insurance plans due to which their benefits are left unused. You should bear in mind that the utility associated with a health cover doesn’t just depend on the features it offers, but also on how they are utilized.
Highlighted below are some of the top hidden benefits of health insurance plans that you should try and use:
- Convalescence
Also referred to as recovery or recuperating benefit, this head covers all the recovery expenses that you have to deal with. The benefit is provided for covering supplementary costs that may occur due to hospitalization, like a loss of income. If you are hospitalized for a prolonged period of time, a lump sum amount is paid by the insurance company. This period is usually between 7 and 10 days. There are some Idaho health insurance plans that also cover associated costs like the visits made by compassionate family members.
- Alternative treatments
In the last decade or so, alternative treatments have gained a lot of popularity, which has prompted a number of insurance companies for covering them. These include homeopathy, Ayurveda and yoga.
- Domiciliary treatment
A variety of health insurance plans now also provide coverage for any treatment that’s taken by the policyholders at home and under medical supervision. However, you should bear in mind that there is a cap applicable on the amount and the number of days for which the benefit is offered.
- Free health checkup
Another huge benefit that’s associated with health insurance plans is that they offer free health checkups periodically to people after they have had 4 to 5 claim-free years. Cashless health checkups are also provided to the policyholder if the tests are performed at hospitals and clinics that are part of the network.
- Attendant allowance
Attendant allowance is provided under health insurance plans to adults that accompany the insured individual to the hospital, provided that the insured party is a child. In most of the cases, the number of days for getting the attendant allowance are fixed and you should always check it to ensure you don’t go overboard.
- Dental treatment
You will come across a wide array of insurance companies that offer insurance plans providing coverage for dental treatment once in a couple of years. Always go over the fine details of your insurance plan so you can take advantage of any such offer. After all, dental health is equally important and not something to be taken lightly.
These are some of the hidden benefits of health insurance plans that you should know in order to make full use of them when they are available to you.
