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Does Health Insurance pay for emergency/casualty charges?

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29 Aug, 2020 by Sandip B

So in India, insurance doesn't cover emergency/casualty charges? My claim just got rejected.

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30 Aug, 2020
Mahavir Chopra

Yes, Health Insurance in India primarily covers hospitalization and associated expenses. Outpatient expenses like regular doctor visits for common fever, cold and cough, medicines etc are not covered under the regular Health Insurance, even if they are carried out inside a hospital.

You need to be admitted under inpatient for the claim to be admissible. Hope this helps.

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31 Aug, 2020
Sandip B
Great, thanks for the explaination!
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20 Nov, 2020
Shubham Kumar
What if, someone undergoes a treatment (e.g. Cataract), in which the patient is discharged before 24 hours?
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29 Dec, 2020
Ravins Jain

Hi Sandip,

Most of the policies cover Hospitalization, Home-care as well as Day-care benefits. For outpatient cases, some of the policies provide OPD cover as well.

If your claim was rejected, please corss-check your policy terms. Thanks


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