Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

What Is a Comprehensive Health Insurance Plan?

Published On Dec 21, 2021

A health insurance policy is extremely imperative in today’s world. With increased chances of diseases, accidents and deaths, it is only right to take careful measures from beforehand. There are various types of benefits that are provided with a health insurance policy that makes it provide more protection to the insured. Not only does it protect your health concerns, but also makes sure your finances are invested in the right cause. Take a look at what a comprehensive health insurance plan entails.

What Is a Comprehensive Health Insurance Plan?

What Is a Comprehensive Health Insurance Plan?

A comprehensive health insurance policy provides all-encompassing coverage under a single health insurance policy. Even though most people tend to dismiss most health concerns, especially those that are considered as trivial, it is always better to be prepared. Under a comprehensive health insurance policy, there are multiple types of covers present that can cater to any unplanned or even anticipated medical emergencies and purposes. The entire process of hospitalization, from the admissions to post treatment is usually covered under comprehensive health insurance policies. In case the insured requires any pre-hospitalization medical care, the costs for the same are also provided by comprehensive health insurance policies. It also tends to cover high-cost procedures such as organ transplant or donation or procedures relating to critical or terminal illnesses, that is, the treatments that are usually more costly than the rest. Moreover, comprehensive health insurance policies also tend to cover alternative forms of treatment such as homeopathic or ayurvedic treatment. Therefore, a comprehensive health insurance policy is like a one-stop solution for all your health-related expenses. It can also extend its protection over family members of the insured, not only saving money but also facilitating convenience.

Covers Available under Comprehensive Health Insurance Policies

The following are some of the most important covers that are available under a comprehensive health insurance policy.

  • Organ Donor Cover

As mentioned before, most comprehensive health insurance policies provide organ donor cover where it covers the costs that are incurred due to organ transplant. Not only does it cover costs that are incurred due to the transplant and to whom it is transplanted to, but also the expenses due to the treatment of the donor. Since it is a sensitive and costly procedure, it always helps to have the backing from a health insurance policy.

  • AYUSH Treatment Cover

AYUSH treatment stands for treatment that is involved under Ayurveda, Yoga, Unani, Siddha and Homeopathy. These are not commonly pursued methods of healthcare, largely due to lack of proper knowledge and subsequent apprehension. This is why there are often times when they are not covered by health insurance policies. However, with a comprehensive health insurance policy, you can get your choice of treatment regardless of whether it is commonly available or not.

  • In-patient Hospitalization

In-patient treatment has multiple aspects such as charges regarding nursing and hospitalization, medical expenses while in the hospital, ICU charges, and even anesthesia. Basically, when the insured is hospitalized, this kind of cover provides for the expenses that are incurred due to the various aspects of hospitalization.


A comprehensive health insurance policy is one of the best investments one can make. It provides all round protection from a number of contingencies and makes sure you are covered through various aspects of medical needs. Although it might seem costly, it helps save money as more covers need not be bought separately. 

Also read: Simple Steps To Make Cashless And Reimbursement Claims In Health Insurance

Challenges Related To Cashless Treatment

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.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Disclaimer : Actual Coverage might vary basis your location, age and number of members
Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 50 Lacs+ happy customers