Post COVID-19, the바카라 웹사이트demand바카라 웹사이트for health바카라 웹사이트insurance바카라 웹사이트in India has increased by more than 22 per cent.바카라 웹사이트 Pre-COVID-19, the percentage of buyers for comprehensive health insurance plans was approximately 32 per cent; this has shot up to 55 per cent.바카라 웹사이트However, it is equally important to know what insurance covers and its features.바카라 웹사이트
One of the features of a good health insurance plan is wellness programmes. The primary benefit of buying a health policy with wellness programmes is that it provides financial protection against a medical emergency and also ensures the best healthcare facilities.
Understanding Wellness Programmes Under Health Insurance
The health insurance market in India has grown exponentially after the COVID-19 outbreak.바카라 웹사이트 To remain competitive and to gain market share, health insurance companies in India have started offering innovative products with bundled features and benefits. Wellness programmes under health insurance policies is one such innovation.바카라 웹사이트
When you buy a health insurance policy with wellness programmes, you can receive a range of benefits at no additional cost.바카라 웹사이트
바카라 웹사이트Some of the benefits offered under바카라 웹사이트health insurance wellness programme :바카라 웹사이트
바카라 웹사이트1.바카라 웹사이트Reward points
Many health insurance wellness programmes give policyholders reward points when they undertake physical activities such as exercising, running, jogging, cycling, etc., and also by following a proper nutritious diet.바카라 웹사이트
They can use these reward points to get discounts on their health insurance renewal premium. These points can also be used for concessions on바카라 웹사이트outpatient consultations, diagnostic charges, pharmacy bills, etc.
Some insurers also allow the policyholders to use the accumulated reward points under wellness programmes for participating바카라 웹사이트in various fitness activities such as yoga, marathon, and fitness workouts.
바카라 웹사이트2.바카라 웹사이트A wellness coach
Some insurers provide wellness coaches to policyholders under health insurance wellness programmes. These coaches바카라 웹사이트provide guidance바카라 웹사이트on healthy바카라 웹사이트diet, exercise routine, nutrition,바카라 웹사이트importance of mental health,바카라 웹사이트managing the correct body weight, and many more.바카라 웹사이트
바카라 웹사이트These coaches are바카라 웹사이트trained and certified health professionals바카라 웹사이트associated with the insurers.바카라 웹사이트 By achieving the target set by their wellness mentors, policyholders can earn reward points and many other benefits, including various health related services.
바카라 웹사이트3.바카라 웹사이트Free medical opinion
Some health insurance companies allow the policyholders to take a second medical opinion or specialist guidance regarding specified diseases or surgeries. However, to avail this benefit, the policyholder is required to inform the insurer that he/she is seeking a second medical opinion from a specialist.바카라 웹사이트
바카라 웹사이트The normal procedure is to fill up a claim form and submit the copies of all medical records and investigation reports (if any).바카라 웹사이트Often, the second opinion may even be arranged via the insurer라이브 바카라 mobile application.바카라 웹사이트
바카라 웹사이트However, it needs to be noted that the insurer cannot be held responsible for any mistakes or omissions resulting due to the second medical opinion obtained by the policyholder under his/her health insurance policy라이브 바카라 wellness programmes .
바카라 웹사이트Why Should바카라 웹사이트You Buy Health Insurance Policy With A Wellness Programmes?
바카라 웹사이트Opting for a health insurance policy with wellness programmes provides multiple benefits. You will not only be able to save money but will also be motivated바카라 웹사이트and incentivised바카라 웹사이트to adopt a healthy lifestyle바카라 웹사이트which will바카라 웹사이트improve your overall well-being.바카라 웹사이트
바카라 웹사이트In India,바카라 웹사이트25 per cent바카라 웹사이트of total바카라 웹사이트deaths바카라 웹사이트occur due to lifestyle diseases such as diabetes, obesity, cardiovascular problems, etc. Most of these illnesses can be prevented by following a healthy lifestyle.바카라 웹사이트
바카라 웹사이트There are numerous other benefits of opting for a health insurance policy with wellness programmes, such as바카라 웹사이트
1.바카라 웹사이트 It helps in improving the overall physical as well as mental health of the policyholder.
2. You can use reward points earned under wellness programmes to avail multiple financial benefits. You can get discounts on your health insurance renewal premium and save a substantial amount of money. Furthermore, you can redeem these reward points for바카라 웹사이트discounts on바카라 웹사이트various memberships.
바카라 웹사이트In today라이브 바카라 world, a sedentary lifestyle is threatening. Regular exercising,바카라 웹사이트healthy diet, and sound mental health바카라 웹사이트are the best way forward. A health insurance policy with wellness programmes helps us to achieve this.
In September 2020, the Insurance Regulatory and Development Authority of India (IRDAI), issued guidelines for바카라 웹사이트preventive and바카라 웹사이트wellness features provided under health insurance policies. The IRDAI라이브 바카라 mandate mentioned that the objective of these features is to improve the overall health of the policyholders. Insurance companies were asked to incentivise the policyholders who follow a healthy lifestyle and meet certain wellness targets.
However, the type of wellness programmes and benefits offered under a health insurance policy depends upon the insurance provider. Therefore, before buying any policy, you must carefully read all information related to the health benefits and wellness programmes to prevent any misconceptions in the future.
The author is the Chief - Claims, Underwriting and Reinsurance,바카라 웹사이트ICICI Lombard General Insurance Company Limited.바카라 웹사이트
DISCLAIMER: Views expressed are the author's own, and 바카라 Money does not necessarily subscribe to them. 바카라 Money shall not be responsible for any damage caused to any person/organisation directly or indirectly.
