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Yes, Health insurance is one of the most important financial planning tools available in the market. Without health insurance, you might be forced to dig out your savings and liquidate your assets in case of hospitalization. There are few people who take out personal loans to settle their hospital bills as there was no health insurance policy for them.
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:
Reimbursement of your claim can be obtained by applying for reimbursement facility after the treatment is done. Below are the steps to avail reimbursement claim from your health insurance provider.
Step 1: Intimate the insurance company regarding the claim and take a note of the “Claim reference number”. Fill the claim intimation form with the maximum details which form the first hand information provided by the customer regarding hospitalization.
Step 2: Submit all the necessary documents for claim processing which include:-
Yes. You can change the hospital during the course of your treatment and the claim would be payable under your health insurance policy. This should be intimated to your insurance company beforehand if possible to process the claim smoothly and avoid unnecessary ambiguity. But remember, the claim amount that can be paid would either be the claim amount or the sum insured whichever is less.
Expenses incurred before the hospitalization are known as Pre hospitalization expenses while those incurred after hospitalization are known as Post hospitalization expenses.
Yes, the expenses incurred before hospitalization are covered in your health insurance policy.
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