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Health scares are unpredictable, knocking down our doors when we least expect them. They are devastating and often, a financial nightmare. In such a case, having a comprehensive health insurance policy is an absolute necessity, so that you have a solid financial shield protecting you from skyrocketing medical expenses.

What is Health insurance?
Yes, a good health insurance policy can ensure you get the best possible treatment for your ailments. But if you think your health insurance benefits are useful only during the treatment of critical diseases like cancer, think again. Your insurance policy has a lot to offer. Here are a few perks your policy offers that you might be unaware of, but should definitely know about:

Maternity cover 
As magical as it is, bringing a new life into this world can be an expensive affair. From pre/post hospitalization expenses for both the mother and the baby, to many diagnostic tests and medicines, pregnancy is overwhelming, both emotionally and financially. To avoid this, you can opt for health insurance with maternity cover. Most group health insurance policies offer this. With maternity cover in your health insurance,  you and your baby will have a financial cocoon taking care of all major expenses, so that you have nothing to worry about!

Lifetime Health Insurance 
A health insurance that covers you throughout your life? Yes, that’s right. All health insurance policies offer the option for lifetime renewability. This means that you can continue to remain covered under the same policy throughout your lifetime, without having to seek new cover everytime the policy period expires. This can come in handy if you’re a senior citizen requiring medical assistance, since it safeguards your savings, without cutting off your access to good healthcare you need.

Complementary Health Check-up
Most health insurance policies offer you a free, yearly complementary health-check up. This can be more than one consultation, depending on your insurer. In some cases, the policy also covers common tests such as ECG, thyroid/lipid profile, urine test and more. So, take up that doctor’s visit you’ve been putting off for so long, and let your insurer pay for it.

Alternative Treatments
One of your health insurance benefits also include coverage for alternative treatment systems as well, be it Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy. While there may be caveats such as co-pay and sub-limits, the policy can be effective in covering at least some portion of the treatment cost.

So, make the most of your health insurance policy by availing these advantages. Talk to experts and financial planners to understand what health insurance plan best suits your needs, and then fight all your finance and health-related adversities like a champion!