Health Insurance: After taking health insurance, the most important condition related to claim settlement is the condition of hospitalization for 24 hours. Generally, there is a condition in most health insurance that at least 24 hours of hospitalization is necessary for the claim. However, it is not necessary to remain hospitalized for a whole day for any minor health problem. Some diseases or problems can be treated within 2 to 5 hours.
But, it is not that you will get a claim only if you are hospitalized for 24 hours. Now such health plans have also come in the market in which there is no compulsion to remain admitted in the hospital for 24 hours to get the claim. Let us tell you about it in detail…
Claim will be available even after being admitted for 2 hours.
In fact, in some health insurance policies now, hospitalization time is not just 24 hours but only 2 hours. In such a situation, you can claim even if you are hospitalized for 2 hours, hence before purchasing the policy, you should read the policy terms carefully to see whether the facility of day care treatment is included in it.
The process of filing a claim for day care treatment is similar to regular claims. Nowadays, most insurance companies offer coverage for day-care treatment. However, the specific treatments and surgeries covered by each insurance company vary. The special thing is that the facility of day care treatment comes with cashless claim.
In March this year, a consumer forum had given an important decision in a matter related to medical insurance, in which it was said that to make a health insurance claim, it is not necessary that a person be admitted to the hospital or admitted for 24 hours. .
