Health Insurance New Rules: If you are planning to take health insurance, then first know the new rules. Some rules related to health insurance have changed recently. These changes are related to customer benefits. These include facilities ranging from approval to cashless treatment. Know which rules have changed:
Health Insurance New Rules: Every person must take health insurance for himself and the family. Health insurance is one of the essential insurances. There is a lot of relief from hospital bills when you get admitted to the hospital. If you are planning to take health insurance, then first know the new rules. Actually, some rules related to health insurance have changed in the last few months. These rules are related to the convenience of the customer. These include everything from making a claim to the premium amount.
1. Cashless treatment in any hospital
Now you can get cashless treatment in any hospital. Earlier, cashless facility was available only in those hospitals which were in the network of the insurance issuing company. In such a situation, despite having insurance, many people were not able to avail the facility of cashless treatment. They had to get reimbursed later. Now this will not happen. The insurance issuing company will have to pay the hospital.
2. Approval will be received within an hour
Now insurance companies will not be able to make you wait for long for approval. Companies will have to give approval within one hour of receiving the approval request from the hospital. Earlier, it used to take 2-3 days to get approval. In case of discharge of the patient, approval will have to be given within 3 hours of receiving the request from the hospital.
3. Reduced waiting period
If a person already has a disease or has undergone surgery, the waiting period for treatment related to that disease has been reduced. Such diseases are called pre-existing diseases. These include sugar, BP, etc. The waiting period has been reduced from 4 years to 3 years.
4. Reduction in moratorium period
The new rules have also reduced the moratorium period. If you have an insurance and have not made a claim for 5 years, then after that there can be no ifs and buts in the treatment of the customer. The insurance company will have to pay the claim in any case. However, if a customer commits fraud, then there will be no exemption in such a case. Earlier the moratorium period was 8 years. Now it has been reduced to 5 years.
For a 30-year-old,
1cr base policy=Rs 30,000
10L(base)+90L(Super top up)=Rs 17,300Why is the base policy+Super top 30-50% cheaper than a base policy?🤔
Is there any hidden condition in super top-up?🤔A thread🧵analyzing Base policy vs Base policy+Super top-up combo?
Lets… pic.twitter.com/ADB2yeV4Ex
— Aditya Shah (@AdityaD_Shah) July 1, 2024
5. Claim for more than one insurance in the same hospital
If a customer has health insurance from more than one company, he can use them for treatment at one time. Suppose, a person has separate health insurance from two companies named A and B. The first health insurance is of Rs 5 lakh and the second is of Rs 10 lakh. The person gets admitted to the hospital and the treatment costs Rs 13 lakh. In such a situation, he can claim from the health insurance of both the companies. Hospitals cannot refuse for this.
