Health Insurance is no longer a one-size-fits-all solution. Having a base health plan may not always offer the comprehensive protection you're looking for. This is where Health Insurance Riders become essential. They are optional add-ons that help you customise your policy to fit your specific lifestyle and health profile. Let us explore Health Riders, how they work, and get an understanding of Health Shield 360.
Why add Riders to your policy?
Adding riders to Health Insurance provides a multi-dimensional advantage:
- You can choose benefits that align with your unique health concerns or family requirements.
- Health Plan Riders offers targeted benefits without the cost of upgrading to a high-tier plan.
- You can also reduce or eliminate expenses that typically come out of pocket, such as medical equipment or air ambulances.
In essence, Health Riders, such as Health Shield 360, give policyholders control and flexibility to design a plan that grows with their needs.
What is Health Shield 360?
Health Shield 360 is a term often used to describe a comprehensive, bundled Health Insurance solution that offers basic hospitalisation coverage along with an array of customisable riders. Instead of buying multiple standalone policies or separate add-ons, a 360 plan integrates them into a single seamless package.
Key features of a Health Shield 360 Plan
A Health Shield 360 policy generally includes the following:
- Base hospitalisation coverage
- Coverage for durable medical equipment
- Non-medical expense protection
Who should consider buying Health Shield 360?
A Health Shield 360 plan is ideal for individuals or families seeking comprehensive medical coverage under a single policy. Here is who benefits most:
- Working professionals seeking cashless OPD and diagnostic coverage
- Families with children or elderly members who require frequent consultations
- Individuals with lifestyle diseases like diabetes, hypertension, or arthritis
- People in remote areas need emergency air transport
- Those who prefer premium hospital facilities and private rooms
It is also an excellent choice to buy Health Shield 360 if you prefer not to manage multiple policies or riders separately.
Advantages of choosing Health Shield 360
- One-stop coverage for all health-related needs
- Reduced paperwork and claims hassle due to integrated benefits
- Better value for money than managing multiple smaller policies
- Peace of mind knowing that emergencies, minor ailments, and follow-ups are all covered
Important tips
While Health Shield 360 plans offer excellent coverage, it is essential to:
- Read the policy brochure and understand inclusions, exclusions, and sub-limits
- Confirm network hospitals and OPD providers for cashless access
- Check for waiting periods on specific features like OPD or maternity
- Ensure the premium aligns with your budget, especially if opting for high coverage.
Conclusion
A Health Shield 360 plan is a comprehensive health protection system designed for modern families with evolving needs. It empowers you to take control of your health with minimal financial disruption. With its all-inclusive features and user-centric benefits, Health Shield 360 represents the future of Health Insurance.
