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

1350

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. 

Conclusion

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!

Nov 01, 2021
SHARE THIS ON
Author Bio
Author Image

PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

Related Blogs

Would love to hear from you

Share your candid feedback. Your email address won’t be published, we promise!

All fields are required

Find your suitable insurance plan

Speak to our advisor

Enter Value

Popular Posts

Trending Articles

Corporate Office : Mahindra Insurance Brokers Ltd ( A Mahindra Group Company ) Sadhana House, Ground Floor, 570 P. B. Marg, Behind Mahindra Towers, Worli, Mumbai 400018.

Licenced by IRDAI License No. 261; License Validity : 17-05-2025; Category : Composite Broker; CIN : U65990MH1987PLCO42609 Member of Insurance Brokers Association of India (IBAI).

Insurance is the subject matter of solicitation.

For a seamless experience, use the latest version of Chrome/Firefox/Internet Explorer.

Copyright © 2022 Mahindra Insurance Brokers. All Right Reserved.

Get A Call Back
Get A Call Back