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Comprehensive vs Regular Health Insurance

Posted by Royal Sundaram on 03 Mar 2017

Comprehensive vs regular health insurance

A minor surgery requiring an overnight stay at the hospital can land you in a debt like situation. Surprising, isn’t it? Ever escalating medical costs can cause a dent in your savings. God forbid, if there is an accident or illness in the family, the last thing you would want to worry about is finances. Thus, it is crucial for each individual to avail a health insurance policy. A health protection plan will help you and your family in paying the expensive hospital bills.

However, to be able to select the right health cover, you have to understand different types of health insurance policies.  Mediclaim/ Regular health cover and comprehensive cover are two main types of health protection plans.

Let us understand them in detail.

A Mediclaim and a comprehensive health insurance plan, are two terms often used interchangeably. Most policyholders fail to understand difference between the two. However, there are some significant differences between both these policies. While a mediclaim offers benefits limited to hospitalisation expenses, a Comprehensive protection cover offers much broader range of benefits.

The below table will help you understand the detailed differences between the two types of policies:


Mediclaim/ Regular health insurance Comprehensive health insurance

A regular health policy offers cover that is restricted to hospital related expenses.

Pre and post hospitalisation, Cost for Diagnosis, Ambulance charges etc. are all covered under comprehensive cover.

The sum insured in this type of policy is limited.

Extensive coverage amount is allowed under this plan.

The bottom line:

Apparently, a comprehensive plan is much better than the regular health cover in terms of sum insured, benefits offered, diseases covered, flexibility etc. While a basic cover may offer limited benefits, it is the comprehensive cover that will come to your rescue in troubled times.

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