What is A La Carte Health Insurance?

1. What is A La Carte Health Insurance?

2. People usually have different needs of coverage from their health insurance. Keeping that in mind, modern insurance providers have started offering a la carte health insurance policies. This is a type of medical coverage that can be customized based on one’s health needs. The following article will give you a detailed idea about such health insurance policies.

3. What are a la carte health insurance policies? • ‘A la carte’ is a restaurant term which means separately ordering the dishes you want from the menu instead of going for a pre-set meal. Medical insurance policy providers have started following this restaurant-like pattern in a la carte health insurance where they allow you to customize your medical coverage terms as per your unique health needs. In this way, you only pay for what you require and can thus, save a lot of money on your health insurance premium. • What do a la carte health insurance policies allow you to choose? • A la carte policies provide inpatient hospitalization and day-care cover. Apart from this basic coverage, they offer a lot more features that can be customized - let’s take a look at some of these.

4. A-la-carte policies allow you to choose the sum insured • You can choose to reduce your waiting period for specific diseases • The policy allows you to set your voluntary co-payment • The policy allows you to extend your pre- and post-hospitalization coverage period • You can choose to add the maternity cover to your a-la-carte health insurance policy if you are planning to have a baby • You can add further covers such as daily hospital cash allowance, critical illness cover, organ donor expense, and more as per your unique needs • Some a la carte insurance plans allow you to add a cover for AYUSH care (alternative treatments such as Ayurveda, Unani, Homeopathy, Yoga, and Naturopath) if you prefer this over conventional treatment methods

5. These are some of the terms that you can modify in a la carte health insurance plans; speak to your insurer for a complete list. Indeed, an a la carte health insurance plan lets you enjoy the exact coverage you need. The customization also helps reduce your health insurance premium. • Benefits of buying the a la carte health insurance policy • A la carte health insurance helps you save money as you pay exactly for what you need and not a rupee more • You get customized individual coverage to cater to all your health needs and requirements • You may also be able to avail of premium benefits offered by certain a la carte health insurance plans like an emergency air ambulance, bariatric surgery, and more • Remember that you can save yourself from the hassle of visiting the insurance company branch by purchasing a-la-carte health insurance online.

6. The a la carte health insurance policy is a new concept that truly has a different approach to medical insurance plans. If you have any specific queries regarding the policy before you purchase it, you do call up on the helpline number given on the insurance company’s website and speak with an experienced customer service representative. Hope this article has been useful and informative to you. Take care.

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