Health Insurance Claim: To make a health insurance claim, it is generally considered necessary to stay in the hospital for 24 hours. However, despite this rule, you can claim your insurance. Today we will tell you in which situation you can claim your health insurance without staying in the hospital for 24 hours. Read what is the complete news.
Health Insurance Claim: While taking any insurance, we should carefully read all its terms and conditions so that we do not face any problem while making the insurance claim. Especially when it comes to health insurance, you should pay more attention to in which situations you will be able to claim insurance and in which situations you will not.
To claim health insurance, 24-hour hospitalization is generally considered necessary. However, this rule is not set in stone as there are some exceptions.
Today we are going to tell you what those exceptions are and under what circumstances you can claim health insurance without being hospitalized for 24 hours.
What is the exception?
The exception to this 24-hour requirement is day-care treatments. For those people who do not need to stay in the hospital for a long time but have to make a health insurance claim, this exception is no less than a boon, because it is not necessary that you need to be admitted to the hospital for 24 hours for any disease.
In what situations can you claim insurance?
You can claim day-care treatment from your health insurance. Day-care treatment means treatment that takes place in less than 24 hours. Includes medical treatments and surgical procedures performed under the influence of general anesthesia in a hospital or day-care center.
Some of the common day-care treatments covered in the health plan include- Cataract Surgery, Tonsillectomy, Chemotherapy, Radiotherapy, Hemodialysis, Coronary Angiography, Nasal Sinus Aspiration, Free Skin Transplantation and Arthroscopic Knee Aspiration.
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This thing is not included in day care
Out-patient expenses like doctor consultations, tests and investigations are excluded from the scope of day-care treatment. Claiming for day care treatment is no different; you can claim it just like you would any other claim.
However, before taking the policy, you must read about all the diseases that are covered under your day care treatment.
Health insurance companies offer day care
Many health insurance companies nowadays offer coverage for day-care treatment but different companies cover different treatments and surgeries which you should check before taking the policy. Here let us tell you that you can avail the facility of cashless claim even in day care treatment.
