Is Health Insurance Good?

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.

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

What Are The Insurance List Can Cover At Private Hospital?

Most comprehensive health insurance plans cover treatment at private hospitals across India. Insurers like Star Health, Care, and Niva Bupa maintain extensive networks for cashless hospitalisation. If a private hospital is not in the network, you can still seek treatment and file for reimbursement. Coverage is subject to room rent limits and specific policy terms. Always confirm the network status before planned admissions.

What is in Patient Hospitalization?

If an insured customer is getting admitted to a hospital for treatment of any illness or disease and the admission is for more than 24 hours, then it is known as in patient hospitalization. For the claim to be admissible under in patient hospitalization section, the insured has to be admitted in the hospital for more than 24 hours. Majority of claims under health insurance are in patient hospitalization claims where the insured gets admitted for more than 24 hours.

What is a Health Card?

A health card is a card that comes along with the health policy which is similar to the identity card. This health card can be used to avail cashless hospitalization facility at any of the network hospitals. A health card mentions the name, age, contact details of the insured and the contact details of the TPA. In Case of emergency the insured customer can reach out to the numbers mentioned in the health card. E-health card can also be downloaded from the website and used for cashless hospitalization at any of the network hospitals.