Table of Contents
How can I get health insurance benefits?
Understand the Benefits & Advantages of Health Insurance Policy
- Hospitalization Expenses.
- Pre and Post Hospitalization Costs.
- Cost for Day-Care Procedures.
- Refill Sum Insured Amount.
- Cover your Daily Expenses with Hospital Cash Benefit.
- Get Your Transportation Costs Reimbursed with Ambulance Cover.
How do I claim health insurance in India?
The following documents are required in order to make a :
- Duly filled claim form.
- Medical Certificate/ Form which is signed by the treating doctor.
- Discharge summary or card (original), availed from the hospital.
- All bills and receipts (original)
- Prescription and cash memos from pharmacies/ the hospital.
How much is health insurance benefits?
Health insurance plans offer protection against high medical costs. It covers hospitalization expenses, day care procedures, domiciliary expenses, and ambulance charges, besides many others. You may, therefore, focus on your speedy recovery instead of worrying about such high costs.
How do I claim health insurance immediately?
In case of emergency admission, inform third party administrator (TPA) & provide a membership number. Fill the cashless format the hospital, certified by a doctor. Send the form along with medical records to TPA. If a cashless facility is sanctioned, hospital bills will be settled directly.
When can I claim my health insurance?
Almost all health insurance plans cover pre-existing diseases after a waiting period of usually 2 to 4 years. This implies that any hospitalization expenses related to the declared ailments can be claimed only after 4 successful years with the insurer.
What are the benefits of health insurance in India?
Financial Security Against Rising Medical Costs: Considering the rising medical expenses in India, it becomes imperative to get a reliable health insurance policy on time. The policy not only offers you wide coverage, but also protects you from hospitalisation expenses in case of emergency even during inflation.
Should you buy an illness specific health care policy?
Many health insurance companies offer “illness specific health care policy” and buying one along with a general health policy can get you better coverage against medical emergencies and rising healthcare costs. *All savings are provided by the insurer as per the IRDAI approved insurance plan.
What are the benefits of having a health insurance?
It would reduce your stress in case of medical emergencies. A health insurance policy covers expenses incurred due to doctor visits, consultation fees, cost incurred due to medical tests, hospitalisation expenses, etc.
Why should you opt for digit health insurance policy?
A health insurance policy helps to cover such costs, as well. With Digit insurance, you can choose to opt for a lump sum payout post your hospitalization, which will allow you to cover all your expenses without the need to present any bill. Or, you can choose to avail the standard benefits which will reimburse all your post-hospitalization charges.