Know the Available Conditions in Which User can Easily Claim the Health Insurance

3 min read

It’s no secret that medical expenses are on the rise. And with the COVID-19 pandemic, it’s even more important to buy health insurance cover for yourself and your family. The unpredictability of the disease has made healthcare exigencies unpredictable too, which means people need access to good facilities and hospitalization costs can be financially strenuous. A good health insurance plan provides protection when you need it most! 

However, it is necessary for you to understand as a customer when you can claim insurance benefits before you buy health insurance online. This blog provides you the available conditions when you are eligible to claim health insurance benefits so that you are not missing out on potential claim advantages.

Conditions where Health Insurance Claim is eligible

Before you buy health insurance online, here are some claim conditions you should know:

1. Emergency Hospitalization

Medical emergencies rarely come with a warning. The primary reason for buying Health insurance is to protect your family from the financial burden of an unexpected illness, injury, or accident. It also provides peace of mind knowing that your finances are covered if something happens to you. Even if you are financially stable, medical emergencies can arise at any time which will cause a strain on your finances. Health insurance policies cover emergency healthcare expenses including hospitalization and provide tax exemptions under section 80 D of The Income Tax Act, 1961.

If you opt for a comprehensive health insurance plan, you’ll receive pre and post-hospitalization coverage as well. Pre-hospitalization coverage includes tests conducted 30 days prior to hospitalization. Medicines, tests, and follow-ups are covered under post-hospitalization charges for up to 60 days after discharge. 

Also Read: Best Health Insurance Companies in Claim Settlement 2021-2022

2. Annual Check-ups

We are all aware that taking care of our health is critical. At every stage in life, we need to make sure that we are practicing healthy habits and getting routine checkups. Major health insurers provide free annual check-ups in India. It means you get one health checkup for free every year, irrespective of your claims on that financial year. However, some firms provide a free check-up after 4 consecutive claim-free years. It means if you do not raise a claim for 4 consecutive years, you get one free health checkup in the fifth year.

3. AYUSH Treatment

AYUSH Treatment is an alternative to traditional western medicines and stands for Ayurveda, Yoga, Unani, Siddha, and Homeopathy. The IRDAI (Insurance Regulatory and Development Authority of India) directed all insurance companies to include coverage for these alternative medical procedures in their policies in 2013. 


We know how important it is to protect yourself and your loved ones from any eventuality that could leave you financially handicapped. That’s the primary reason you should buy health insurance online. Protecting yourselves with a health insurance policy is one measure, but knowing when you can claim the plan will help ensure that you don’t miss out on opportunities. Contact our team today and we’ll be happy to answer all of your questions about buying term insurance and health insurance online this essential requirement in today’s fast-paced lifestyle!

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Gayatri Prabhu, Head-Digital Business at Mahindra Insurance Brokers Limited (MIBL) is one those few digital leaders who has the width and depth that is required to execute an ROI driven holistic digital strategy. She cuts through the noise, identifies the critical levers and leads her team to successful execution of the defined strategy. Her core mantra to win new and retain existing customers is: understand the consumer behavior and craft experiences around it.

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