Does Health Insurance Cover Accidents?

What are the Insurance Lists Can Cover Private Hospital?

The insurance coverage offered at private hospitals may vary depending on the specific insurance plan and provider. However, generally, health insurance plans may cover the following expenses at private hospitals:

• In-patient hospitalization
• Pre and post-hospitalization expenses
• Daycare treatments
• Emergency ambulance services
• Diagnostic tests
• Organ transplant
• Maternity and newborn care
• Additional benefits

Is Corona covered under health insurance?

Yes, Corona is covered under your health insurance policy. IRDA has made it mandatory to cover Corona virus pandemic under all the health insurance policies available in Indian market.

Is maternity covered under health insurance?

Yes, maternity is also covered under the Health Insurance policy. It is important to discuss with our agent from before purchasing the health insurance policy to understand the waiting period in case of a maternity claim. The waiting period in case of maternity claim would range from 9 months to 2 years for different insurance companies and different health insurance plans.

What can be the maximum coverage in health insurance?

There is no limit on the maximum sum insured that can be opted in a health insurance policy. Many health insurance policies offer up to Rs.1 Crore coverage, there are instances where the coverage is extended beyond Rs.1 Crore depending on the client profile. Any request for sum insured higher than that available with the insurance company product will be referred to the underwriter who will examine the client profile and the need for such exorbitant coverage and decide on the insurability.

Will health insurance cover pregnancy?

Yes, health insurance covers pregnancy but there are some states that require health insurance companies to offer maternity care as part of their coverage. Pregnancy is a qualifying life event and is considered a pre-existing condition, which means that it may be excluded from coverage by your current plan.