In this advanced time, the health insurance is offering a hospitalization cover that protects you against planned and unplanned medical expenses. With several health insurance policies in India an enhanced medical coverage is offered in order to facilitate policyholders.
There are various health insurance companies that offer cover for the reimbursement of the costs, which are incurred during a hospitalization of the insured person:
• Consultations, tests, treatment and pharmaceutical and homoeopathic products. Pharmaceutical and
• Homoeopathic products must be included in the list of specialties of the compulsory sickness and disability insurance
• A stay in hospital by the insured, which is not less than at least 24 hours
• Prosthetics or orthopedic appliances prescribed by a doctor provided they are directly related to the cause of the hospitalization and entail a right to a legal compensation.
• The costs of suitable medical transport for the insured and his donor to or from the hospital, provided these are proven by the means of a bill
• Mortuary costs are also covered that are charged on the hospital billUsually, within the hospitalization cover, only the specified costs that are directly related to the reason for the hospitalization of policyholder or insured person are covered. But, an exclusion is also there, if the insured individual is less than 18 years.
According to this clause, the costs of accompanying overnight accommodation in the same room for one parent or a guardian will also be covered under the similar cover. Hospitalization cover has been enhanced to facilitate policyholders in all aspects. Not only during hospitalization, your health plan will also provide you pre-hospitalization as well as post-hospitalization cover.
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