Dear Harivansh

Very interesting question and I also sought the answer from Experts of insurance company.

Feedback is given below :

Cliam will be given till patient is under treatment or on hospital support .

But if it require only an observation then claim will not be paid and patient need to be cared at home .

If any one has different opinion then please share .

Generally , I have answer of questions but I could not give convincing answer.

Best wishes

Shailesh Kumar

Insurance Samadhan

Hello Harivansh,

Great question. Thanks for asking.

You are right insurers will pay only for active treatment - not for prevention, not for monitoring - only for a cure.

In fact, many insurance plans have a clear exclusion in their policy wording for artificial life maintenance, where the person is brain dead or in a "vegetative" state.

The usual rule is "Will the patient ever get cured and be better off, because of the treatment being carried out" If the answer is no - then most insurers won't cover these expenses.

In the instance, you have shared, in my opinion, if it is clear that the conditions of the patient are not going to improve - insurers won't cover the expenses of that duration.

Hope this was useful.

Mahavir