Claim Health Insurance Even For A 2-Hour Hospital Stay
Health insurance update: Claims now allowed for 2-hour hospital stays: A big and relieving change has come regarding health insurance claims. Now you are not required to stay in the hospital for 24 hours to get a mediclaim. Many insurance companies are issuing claims even if you are admitted to the hospital for only 2 hours. This change has been made keeping in mind modern medical technology and faster treatment processes.
Earlier, it was necessary to be admitted to the hospital for 24 hours to get a health insurance claim. But now it is not so. Insurance companies no longer consider the condition of being admitted to the hospital for 24 hours as necessary for treatment. Now you can get a claim even for 2 hours of hospitalization.
This change has been made because medical technology has advanced significantly. Nowadays, many treatments can be completed very quickly. Previously, one had to stay in the hospital overnight for procedures such as cataract operations, chemotherapy, or angiography. However, all these are now done in just a few hours.
In which plan is this facility available?
Some health insurance plans also cover 2 hours of hospitalization. These include ICICI Lombard Elevate Plan, Care – Supreme Plan and Niva Bupa – Health Insurance Plan. ICICI Lombard Elevate Plan offers a cover of Rs 10 lakh. The premium for this is around Rs 9,195 per annum. This is for a 30-year-old person. Care – Supreme Plan offers a cover of Rs 10 lakh. Its premium is around Rs 12,790 per annum. Niva Bupa – Health Insurance Plan offers a cover of Rs 10 lakh. Its premium is around Rs 14,199 per annum.
How will customers benefit?
This change is directly beneficial for the customers in many ways. Many treatments, like cataract operation, chemotherapy, angiography, or dialysis, are completed in a few hours. But earlier, due to the 24-hour condition, the claim was not available. Now, claims can be easily obtained for these small and day-care procedures as well. This will save patients from paying out of their pockets.
When you know that you will get a claim even if you stay in the hospital for a short time, people will not delay getting treatment. This will lead to the timely diagnosis and treatment of health problems.
This change increases the financial security of consumers. Now they will not worry that they will not get insurance coverage if they are hospitalized for a small treatment.
Insurance companies are now keeping medical advancements in mind. This means that their policies are now providing coverage for modern medical practices and less invasive surgeries as well, giving the policyholder more comprehensive coverage.
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