Solution: In case of
planned hospitalisation, seek the insurer's approval well in advance.
In case of
a planned hospitalisation, you have to narrow down on the choice of hospital from the network of hospitals provided by the insurance company.
In case of
a planned hospitalisation at any network hospital, inform the insurance company at least 3 days before admission.
Not exact matches
On the other hand such
plans do not cover your daily OPD needs or less than 24 hours
hospitalisation, which you may need for cases such as cataract, or minor surgical procedure, along with a host of other benefits like pre-
hospitalisation expenses, ambulance charges, etc..
Such
plans not only cover expenses related to
hospitalisation expenses, but also maternity charges and outpatient costs.
While a critical
plan pays only for identified ailments, a top - up
plan will help in any
hospitalisation and surgery.
The Tax Plus Healthline
Plan from Cholamandalam offers insurance against both
hospitalisation expenses as well as outpatient or OPD expenses.
These
plans are applicable only for
hospitalisation for 24 hours or more and are not valid for domiciliary and OPD expenses.
Besides payment of a lump sum for 11 specific illnesses as cancer, kidney failure, heart attack, and stroke, the
plan also offers benefits of daily cash upon
hospitalisation.
A top - up
plan reimburses expenses exceeding base cover only for one
hospitalisation.
This
plan will offer life cover of Rs 1 lakh to the family in case of death, critical illness and other
hospitalisation costs under Rs 20,000 - 30,000.
You can choose between Hospital
Plan and Complete
Plan for the core coverage, and both
plans offer 100 % cover for
hospitalisation with few maximums.
You can purchase an extended family insurance
plan that covers daycare treatment costs, pre hospitalization and post
hospitalisation expenditures and expenses for critical illnesses and many more treatments.
The premium for a sum insured of Rs 10 lakh for Bajaj Allianz Health Guard individual
hospitalisation reimbursement
plan is Rs 10,913 for a male in the 26 — 40 age bracket.
Having a health insurance cover can ensure you are financially protected against medical expenses incurred during a
planned or unplanned
hospitalisation within the policy term.
Many of the well - known health
plans cover the expenses incurred on room rent because of
hospitalisation.
Critical illness (CI): On the very first diagnosis of any of the 34 critical illnesses covered under the
plan, the policyholder receives a lump sum, made irrespective of actual treatment cost, immediate
hospitalisation or other associated medical costs.
Apart from
hospitalisation expenses incurred during maternity
hospitalisation, this
plan also provides first year vaccinations.
Also this
plan provides the benefits of cashless
hospitalisation across a network of over 3000 hospitals in India.
You need insurance if you're
planning to join bike race or other activity, as it covers the risk of self or third - party injury, damage to property or loss, death or medical
hospitalisation.
Furthermore,
hospitalisation charges for accidents and ailments are covered under insurance
plans till the waiting period is completed.
Under this
plan, the pre and post
hospitalisation costs are covered.
For such contingencies, you will require a travel medical insurance
plan that bears the medical expenses or
hospitalisation costs on behalf of you.
16th April, 2014: Insurance companies denied coming up with a standalone OPD Health
Plan this soon as there is no point of it when the basic
hospitalisation cover in India is so low.
Pre and post
hospitalisation expenses, ambulance expense, daycare or in - house treatment expenses are covered by this
plan.
This turns out to be a blessing in the event of sudden
hospitalisation, as the policyholder can immediately approach any of the network hospitals and capitalise upon the health insurance
plan - either by getting medical treatment at reasonable costs or by availing the cashless
hospitalisation benefit.
HDFC ERGO Individual Personal Accident
Plan also covers for
hospitalisation expenses.
There are cash
plans that cover for the cost of travelling to a hospital or keeping a relative with the patient Taking a health
plan does not mean all our expenses on
hospitalisation is covered.
Only overseas travel
plans cover
hospitalisation, apart from travel - related risks.
On the one hand, a health insurance
plan will take care of all admissible expenses incurred only during
hospitalisation and certain days or expenses pre and post
hospitalisation.
In case of silver
plans the deductibles will be applicable for every
hospitalisation.
On the other hand, a health insurance policy is a comprehensive
plan, which covers expenses arising out of
hospitalisation.
While health insurance will cover your medical expenses in case of
hospitalisation, a critical illness
plan or rider will provide a lump sum amount upfront on diagnosis of any of the listed critical illnesses, such as cancer.
HDFC surgicare
plan is a health
plan that comes with
hospitalisation cash benefit option.
Is health insurance
plan covers
hospitalisation expenses for critical illness like cancer, heart attack, kidney failure or one should opt for critical illness man for health cover of 10 l.