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Differences Between Regular Health Insurance And Comprehensive Health Insurance Plans

Updated On Jan 26, 2022

People's daily lives have altered recently, rendering them more vulnerable to life-threatening illnesses including chronic diseases. Health insurance plans are lifesavers when it comes to receiving financial assistance for the payment of medical bills accrued while hospitalised in the case of a medical emergency. Health insurance firms provide a variety of plans to aid customers with a variety of medical problems. Before acquiring a health insurance coverage, one must first examine their needs before making a decision. You may choose a decent health insurance plan for yourself and your family based on factors like your age, sum assured, financial budget, pre-existing conditions, and more.

Differences Between Regular Health Insurance And Comprehensive Health Insurance Plans

Individuals with critical illness health insurance coverage can receive financial assistance in the case of a medical emergency caused by a critical illness such as diabetes, stroke, heart disease, hypertension, lung diseases, and other conditions. Under such critical illness coverage, the health insurance provider covers around 32 chronic diseases. Consumers can get compensation as well as other benefits like no-claim incentives, discounts, tax breaks, lump sum claims, and so on through these programmes. A survival period is included in a critical illness health insurance plan, during which the patient must live for a set amount of time before obtaining coverage under the purchased health insurance policy. To understand more about the differences between regular and comprehensive health insurance plans, read on.

What Is Standard Health Insurance?

The Insurance Regulatory and Development Authority of India (IRDAI) has required 29 health and general insurers to provide health insurance coverage to meet customers' basic needs under a new, standard health insurance policy. The standard plan would be available from all health and general insurance providers in India, with a cover of between Rs. 1 lakh and Rs. 5 lakh. The newly established standard health insurance, known as the Aarogya Sanjeevani Policy, may be used by individuals as well as families in an effort to provide standardised health insurance coverage.

Why Buy Standard Health Insurance?

Critical sickness expenditures, such as cancer, heart disease, and other conditions, can have a significant financial impact. A health insurance plan can provide you with substantial financial protection, covering the costs of treatment both in India and overseas. It also covers the costs of hospitalisation, diagnostic, ambulance, and prescription, as well as the convenience of fast reimbursements for more financial flexibility.

What Is Comprehensive Health Insurance?

A comprehensive health insurance policy is an all-encompassing plan that provides significant coverage against medical crises and is renewable for the rest of one's life. It helps you pay for a variety of medical costs, such as hospitalisation, day care, and ambulance fees.

Why Buy Comprehensive Health Insurance?

“Health is Wealth,” as you may have heard before. However, in today's fast-paced world, our health is disregarded in more ways than we would want. Not only have stress levels risen, but more individuals are adopting a sedentary lifestyle, which is causing lasting bodily harm. Furthermore, medical inflation has made accessing healthcare services too expensive. Purchasing comprehensive health insurance coverage is the greatest approach to cover expensive medical costs in this case. It guarantees that your insurance provider covers your medical bills, removing any financial strain and safeguarding your hard-earned funds.


Health insurance is a must-have at any stage in your life. The most crucial component in maintaining a pleasant and healthy existence at any age is planning. There is no such thing as a one-size-fits-all answer when it comes to health insurance. Your health insurance coverage should be reviewed on a regular basis. When getting health insurance at any stage of life, remember to know and stick to your budget. A health insurance coverage might protect you financially if you are admitted to the hospital unexpectedly or on a regular basis. Ensure that the cost of your health insurance does not surpass your annual earnings. Inadequate coverage, on the other hand, might be a costly issue. The key to striking the perfect balance is purchasing the appropriate coverage and amount of insurance at the appropriate time in one's life.

Also read - You Should Get insurance for different phases of your life

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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