Does Health Insurance pay for emergency/casualty charges?

29 Aug, 2020 | by Sandip B

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

Health Insurance

Claim

2 Answer

Post

30 Aug, 2020

Mahavir Chopra

Founder, Beshak

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.

6 Comments

31 Aug, 2020

Sandip B

Great, thanks for the explaination!

20 Nov, 2020

Shubham Kumar

What if, someone undergoes a treatment (e.g. Cataract), in which the patient is discharged before 24 hours?

23 Aug, 2021

Manish Chauhan

That is covered.. under "day care treatments"

I have claimed for cataract for my father in law from oriental happy family floater policy

10 Mar, 2022

Vikram Aralikatty

4.3

This comes under Day care treatment no need of 24 hrs hospitalisation.

500+ Day Care treatments are available

Reply |

04 Sep, 2022

Viknesh

If someone has an heart attack and gets into an emergency ward and then admitted as an inpatient, what will be covered in that case?

06 Sep, 2022

Komal Jain

3.4

Hi Viknesh,

If the person gets admitted due to heart attack the entire charges will be paid.

Also upon hospitalisation, pre and post expenses of Medicines, diagnosis and other expenses related to hospitalisation are payable.

Reply |

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

0 Comments

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