Consider investing in a wellness programme rather than a basic one if you intend to get a super top-up health insurance plan. The main benefit of buying a policy that includes a wellness programme is that it functions as a booster and expands the scope of health insurance coverage. It ensures that you will have sufficient coverage and additional assistance in the event of a medical emergency.
While normal health insurance plans are relatively prevalent, not many people are aware of the features and advantages of top-up health insurance wellness programmes. The correct wellness programme can increase the scope of your insurance coverage and guarantee that you won’t run out of money in the event of an emergency medical situation.
Let’s examine the benefits of purchasing a top-up health insurance plan now, as well as considerations to make.
What is a wellness programme for health insurance?
The COVID-19 pandemic’s arrival brought health insurance’s importance back into focus. A comprehensive health insurance policy is now much more in demand than it was only a few years ago. The sale of individual and family floater health insurance policies has increased as a result.
To stay competitive and increase their market share significantly, insurance companies are conducting creative experiments. The study was done in order to offer consumers the finest services possible, and the findings are evident in the wellness programmes for super-top-up health insurance offered by various insurance companies.
When you get health insurance coverage that features a wellness programme, you can earn points for exercising and staying fit and healthy in return. Health insurance covers exercises including sprinting, running, jogging, cycling, and walking. When you have enough points, you can use them to pay for costs that are typically not covered by traditional health insurance policies, such as the cost of prescription drugs and dental care.
Wellness programmes’ advantages for health insurance
The advantages of investing in a wellness programme go above and beyond the standard insurance plan’s level of protection. The advantages comprise:
The goal of wellness programmes is to improve the policyholder’s general physical and mental health. Joining a wellness programme inspires you to make healthier lifestyle choices. Top-up health insurance encourages you to keep a closer eye on your health by offering you extra discounts.
Economic benefits: Certain super-top-up health insurance firms offer clients to exchange wellness points for a discount on their health insurance premiums, which benefits them financially by allowing them to make considerable financial savings. Reading the fine print at the time of policy purchase is essential because redemption offers and requirements can differ from provider to provider.
Second opinion in medicine: For specific illnesses or planned surgeries, a number of health insurance plans provide financial assistance for enlisting professional counsel or a second opinion in medicine. But, you must let the insurer know if you decide to get a second medical opinion.
safeguards savings: In addition to being physically and emotionally draining and distressing, maintaining a medical condition also has a cost. By getting a solid health insurance plan, you can better control your medical costs and avoid having to pay out of pocket when necessary.
You can use the cashless hospitalisation option offered by many insurance providers, in which the insurer pays the hospital directly for all of your hospital expenditures. Also, it offers you tax advantages, assisting in the expansion of your savings.
Health insurance
Simple claims resolution process Get health insurance from a reliable provider with a high claim settlement ratio (CSR), as this will increase the likelihood that your claims will be accepted. The claim settlement procedure for the majority of well-known insurance companies is quite straightforward. Contact the hospital’s third-party administrator, complete the claims form (offline or online), and submit it with the necessary paperwork, including the investigation report, active medications, and medical records (if any).
The insurance company will handle the remainder. Keep in mind that most insurance contracts state that insurers are not liable for any errors or omissions brought on by e-opinions.
Renewing at an interesting discount: To get the most out of the wellness benefits programme and increase your savings, you are advised to keep a close check on your lifestyle. Furthermore, the insurance company incurs no additional expenses as a result of these wellness benefits. Also, you do not need to sign up individually for the wellness programme plan when you top-up your health insurance. Instead, you will be registered the day you or any family members begin receiving benefits from individual or family health insurance, as appropriate.
Point-based rewards for maintaining a healthy lifestyle: In all diagnostic centres and network hospitals, these points can be redeemed for discounts on a variety of medical examinations and tests. The points can also be used for discounted memberships at a variety of wellness centres, including yoga studios and gyms.
As a health insurance option, why choose a wellness programme?
Super top-up wellness plans for health insurance provide synergistic advantages that let you save money while keeping your health. Around 25% of all deaths in India occur as a result of non-communicable lifestyle disorders, including diabetes and heart ailments.
Enrolling in a wellness programme encourages you to prioritise establishing good lifestyle choices so that you can save money and simultaneously enhance your general health.
Conclusion
Regular exercise, a stress-free routine, and a decent work-life balance are all we need to have healthy lives. This is exactly what a wellness programme for health insurance enables you to do. With the right plan and technique, you can gain financially and lead a healthier life. Do careful research, compare plans, and pick the top-up health insurance that best suits your demands and budget while looking for a health insurance policy and fitness programme.
