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As temperatures drop, it’s essential to have the right health insurance in place to manage these seasonal challenges.
Having comprehensive health insurance ensures that individuals can receive timely care without the financial burden, covering diagnostic tests, hospitalisation, and specialised treatments.
Top health insurance plans for winter wellness
To help you stay protected this winter, here are some of the health insurance plans available:
| Insurance Plan | Key Benefits | Features for Winter Wellness |
| SBI General Super Health Insurance | Comprehensive coverage, including 37 serious illnesses | Cashless hospitalisation, coverage for respiratory issues, and wellness benefits |
| Aditya Birla Activ One Plan | 100% HealthReturns, pre-existing disease coverage | Coverage for critical illnesses and seasonal diseases |
| Bajaj Allianz Health Guard Plan | Multiple coverage options (Silver, Gold, Platinum) | Extensive network of hospitals, wellness rewards |
| Care Supreme Plan | Comprehensive coverage with a wide hospital network | Free health check-ups, critical illness coverage |
| Cholamandalam Flexi Health Plan | Flexible coverage with critical illness benefits | Pre-existing disease coverage, personal accident benefits |
| Digit Health Care Plus Plan | Cashless hospitalisation, wellness benefits | Pre-existing disease coverage, extensive hospitalisation network |
Key features to look for in winter health insurance
When choosing a health insurance plan for the winter, make sure it includes the following features:
Coverage for seasonal illnesses:
Ensure the plan covers respiratory and cardiovascular conditions, which are more common during the colder months.
Cashless hospitalisation: Opt for plans that offer cashless treatment at a wide network of hospitals, making it easier to manage emergency expenses.
Pre- and post-hospitalisation benefits: These benefits cover the medical costs incurred before and after hospitalisation, ensuring you are fully protected.
Critical illness coverage: Look for plans that include coverage for critical illnesses such as asthma, pneumonia, and heart conditions, which often require prolonged treatment.
Wellness benefits: Many health plans now offer wellness rewards, preventive health check-ups, and teleconsultation services. These services are crucial for staying proactive about health risks in winter.
According to Kaul, reviewing your current health insurance policy is essential to ensure it provides adequate coverage for hospitalisation, outpatient treatments, and critical illnesses.
“Opting for add-ons like critical illness riders or wellness programmes can provide enhanced protection,” he advises.
Additionally, using preventive health check-ups and teleconsultation services can help in staying proactive about health risks, especially during the cold months.
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(Edited by : Shoma Bhattacharjee)
