Will my Health Insurance cover diagnostic charges like CT Scan, MRI, X-Ray, etc.?
Diagnostic charges are covered when they are carried out during hospitalisation or detect a disease that leads to hospitalisation. In this case, the amount spent can be recovered by producing the receipts as pre-hospitalisation expenses. In case, no disease is diagnosed after the tests or it is a routine check-up, then that would not be included in the cover.
Can I add/ remove family members from my Family Floater Insurance policy after it is issued?
Yes. Based on the terms of the policy, you can add or remove family members to/from a Family Floater Insurance Policy. In case of policyholder's demise, the rest of the family continues to receive the benefits covered in the policy.
Is Ayurveda and Naturopathy covered in Health Insurance?
Although, Ayurveda covers several treatments, many insurers do not cover every treatment to avoid misuse. But, some insurers provide coverage for treatments such as Ayurveda, Naturopathy, Unani and Homeopathy during hospitalisation. Reach out to your insurer to ascertain if a specific treatment is covered in your health insurance policy.
Why should I opt for a Critical Illness cover?
‘Critical illnesses’ refer to fatal diseases that are terminal in nature. However, the definition varies from insurer to insurer. Diseases such as cancer, kidney failure, heart attack, stroke are generally considered as critical illnesses.
A critical illness cover provides a lump-sum amount when the illness is detected. It is a protection over and above your health insurance. The person insured does not necessarily have to undergo treatment using that amount. It can be spent towards palliative care even when there is no hospitalisation or immediate medical expenses.