Hospital cash per day is denied by insurance company ?

24 Jun, 2021 | by Nawal Kundrai

During covid 19 illness, the insurance company has allowed home treatment equivalent to Domiciliary hospitalization but denied Hospital cash per day. what are the reasons for denial? can we take up the issue in Ombudsman

Health Insurance

1 Answer

Post

24 Jun, 2021

Anuj Jindal

Co-founder, SureClaim

Hi Nawal,

As the benefit states that the benefit is paid for a specific duration stay in the hospital, clearly the benefit is non payable for non-hospital admission.

Home treatment qualifies for payment due to active line of treatment and unavailability of beds. Correctly the hospital cash is not paid for such a treatment protocol.

Happy to answer any followup queries.

Anuj

1 Comments

25 Jun, 2021

Nawal Kundrai

To my mind, once the hospital word is replaced with home after active monitoring by doctors online, it should be also replaced with home cash per day. The objective of cash per day is to compensate for the the loss incurred which is not compensated by health insurance policy such as loss of income during covid, nonpayment of nonmedical items like Betadine for gargle, mask for nurse staff, vapouriser, oximeter etc . purchase of food from outside, enhanced electricity/milk bill/movement of son/daughter in law from other stns Pune/ Delhi. etc. what are your comments . please reply.

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