Prepaid Health Care: 7 Benefits of Aarogya Care Health Plans
Key Takeaways
- Prepaid health care plans are those for which you pay the annual premium at once
- Such prepaid medical insurance helps you avoid out-of-pocket expenses
- Sign up for an Aarogya Care prepaid health plan to avail a range of benefits
Health insurance plans are essential in today’s world. With various modes of paying premiums, you can choose one that best fits your budget. As per the IRDA, insurers can collect the premium amount in installments (EMIs) or annually [1]. Aarogya Care health plans brought to you by Bajaj Finserv Health offer you the option of getting a prepaid health care plan or an EMI plan.
The benefit of a prepaid health plan is that you pay the annual premium in one shot when you sign up. This way, you don’t need to remember monthly deadlines to enjoy medical insurance cover for your needs.
Having prepaid medical insurance helps you get financial security for health expenses all through the year without any gaps or delay. With rising medical inflation, it is smart to have health insurance to fall back on when you or your family member has a medical emergency or requires a procedure. With such a prepaid health plan, you can also avail a number of standout benefits that will help you save costs while addressing your health proactively.
Read on to know more about the benefits of having an Aarogya Care prepaid health care plan.
Lab and radiology benefits
Diagnostic tests are important to diagnose and treat medical conditions. These tests can often be costly and contribute to financial strain. One of the reasons to get a prepaid health plan from Aarogya Care is that you can get lab and radiology benefits of up to Rs.17,000 per year.
This is based on the plan you choose, and you have lots of options to customize your policy. You can claim these benefits more than once during your policy term. If you choose a family plan, all the members covered in the policy have similar access to these lab test benefits without any cap on individual usage.
Additional Read: Lab Test Reimbursement Under the Health Protect PlansDoctor consultation reimbursement
With an Aarogya prepaid health care plan, you can enjoy the benefit of doctor consultation (OPD) for the policy term. You can consult with your preferred doctor and claim reimbursement benefits of up to Rs.12,000 for multiple visits. These benefits also do not come with a cap on individual usage.Preventive health check-ups
Preventive health check-ups are one of the most effective ways of identifying an illness at an early stage. This can help you get timely treatment and increase your chances for a cure. Aarogya Care prepaid medical insurance offers comprehensive health check-ups to identify your health risks at no cost. These include 40+ test that can help you track your health with ease. With a range of tests and widespread network partners, you also get the benefit of sample collection from home when available.
Hospitalization expenses
Hospitalization costs are increasing in India and in most cases, you have extensive pre- and post-hospitalization expenses too. Without a proper health insurance cover, this can create a big financial burden. With a prepaid health plan from Bajaj Finserv Health, you can get insurance coverage of up to Rs.10 lakh and add up to 6 family members under one policy. You also get cover for pre-hospitalization expenses for up to 60 days and post-hospitalization expenses for up to 90 days.
Unlimited teleconsultation
Our prepaid health care plans also offer the benefit of unlimited teleconsultations with specialists from different fields. You can consult top doctors from over 35 specialties in more than 17 languages. This allows you to get medical advice from the comfort of home and without any communication barriers.
Network discounts
Discounts on medical bills are a great way to save more with health insurance. With an Aarogya Care prepaid health plan, you can avail network discounts on your healthcare expenses. You can also get discounts on doctor consultations as well as on hospitalization room rent. With a pan-India network of hospitals and labs, you can avail this benefit from anywhere in the country.
Tax benefits
As per section 80D of the Income Tax Act, you can avail tax benefits of up to Rs.25,000 for the health insurance premium paid by you. Note that this is for plans covering your immediate family, i.e. your spouse and dependent children. For plans that cover your senior citizen parents, the tax benefit on premiums goes up to Rs. 50,000 [2]. You can claim these tax benefits even for an Aarogya prepaid health care plan.
Additional Read: Medical Bill DiscountAn Aarogya Care prepaid health plan is also customizable. This means that you get a prepaid health care policy based on your unique needs and budget. Simply select the right Aarogya Care insurance plan on the Bajaj Finserv Health app or website and sign up in no time!
With our Health Protect Plans, you can get insurance cover of up to Rs.10 lakh and a range of features. Apart from that, you can also sign up for a health card on the platform. It comes with benefits such as cashback on health services, discounts on consultation, lab tests, and more. This way, you can take care of your and your family’s health without burdening your finances.
- https://www.irdai.gov.in/ADMINCMS/cms/whatsNew_Layout.aspx?page=PageNo4103&flag=1
- https://www.incometaxindia.gov.in/Pages/tools/deduction-under-section-80d.aspx
Please note that this article is solely meant for informational purposes and Bajaj Finserv Health Limited (“BFHL”) does not shoulder any responsibility of the views/advice/information expressed/given by the writer/reviewer/originator. This article should not be considered as a substitute for any medical advice, diagnosis or treatment. Always consult with your trusted physician/qualified healthcare professional to evaluate your medical condition. The above article has been reviewed by a qualified doctor and BFHL is not responsible for any damages for any information or services provided by any third party.
