Health insurance: Making a big change in health insurance, now many insurance companies are also covering such treatment in which the patient has to be hospitalized for only two hours. This change is different from the traditional 24 -hour minimum hospital stay condition, which was previously considered a compulsory condition of the claim.
Why are insurance companies changing rules?
Health insurance chief Siddharth Singhal in the policy market said, “The development in medical technology in the last decade has completely changed the process of treatment and surgery. Now patients do not need to stay in the hospital for a long time.
Earlier, it was also mandatory to stay in the hospital overnight for procedures such as caveract, chemotherapy and angiography. But due to minimally invasive techniques and better diagnostics, these treatments are now possible in a few hours. Accordingly, insurance companies are also changing their rules.
Short-Stay coverage also involved in policy
Many insurance companies have updated their policies and have also included short-duration hospitalization in coverage. Singhal said, ‘Now there are many policies that accept the claim even on only two hours of hospitalization. It does not require any additional condition or exclusion. ‘
Facility available in these major schemes
For example, if a 30-year-old non-eating person lives in the metro city, an annual premium ICICI Lombard Elevate Plan will have to be given ₹ 9,195, Care Supreme ₹ 12,790 and NIVA Bupa Health Reasesure at an annual premium ICICI Lombard Elevate Plan. Experts believe that this initiative of insurance companies is not only providing better facilities to patients, but also making the health system more flexible over time.
What are the rights of health insurance?
The person taking health insurance has the right to get timely treatment and claim facility as per the coverage fixed under the policy. He should find all the conditions of the policy, coverage, exception and complete information about the claim process with transparency.
The insured also has the right to find out the cause and appeal in case of cashless facility, option to choose network hospital, claim rejecting. Also, the insured person has the right to take advantage of policy renewal, portability and free-look period.
What is health insurance?
Health insurance is an insurance scheme that covers medical expenses like treatment, hospitalization, surgery and medicines. In this, the insured fills a fixed premium annually and the insurance company pays the hospital bill, or pays the expenses. Many schemes also provide cashless treatment facilities, so that the patient does not have to pay money.