Is Health Insurance Good?

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

How to get reimbursements in case of treatment in non-network hospitals or denial of cashless facility?

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:-

• Duly filled and signed original claim form.
  
• Valid Identity proof and address proof
  
• Doctor’s prescription advising diagnostic tests, medicine and consultation
  
• Original pharmacy bills
  
• Diagnostic tests, surgery bills and consultation as prescribed by the treating doctor
  
• FIR as required
  
• Ambulance receipts
  
• Any other document required to assess the claim
  

Can I change hospitals during the course of my treatment?

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.

Is payment available for expenses incurred after hospitalization?

Expenses incurred before the hospitalization are known as Pre hospitalization expenses while those incurred after hospitalization are known as Post hospitalization expenses.

Is payment available for expenses incurred before hospitalization?

Yes, the expenses incurred before hospitalization are covered in your health insurance policy.