Hospitalization insurance plans act as a supplement to health insurance plans that give you a daily benefit for every 24 hours of hospitalization. These plans are applicable only for hospitalisation for 24 hours or more and are not valid for domiciliary and OPD expenses.
This plan offers you daily benefits per 24 hours spent in the hospital whereas health insurance only provides cover for in-patient treatment.
All expenses such as Room rent and boarding, doctor‘s fee, intensive care unit charges, nursing expenses, surgical fees, operating theatre expenses, anesthesia, oxygen, administration expenses, etc are reimbursed.
Post-Hospitalization, once discharged from hospital, the policy shall pay for medical expenses related to the hospitalization, for a period of 60 days after discharge.
Ideally you should take a hospitalisation cover for at least 5 lakh or 50% of the sum assured of your life insurance policy.
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