Importance of Group Medical Cover for Aviation Industries

Aviation industry plays a major role in transportation and trading in India. There are several airlines that employ thousands of employees. Be it on desk employees or the ones who work on the field are prone to multiple threats. This makes the group health insurance for aviation industry employees necessary as it provides financial coverage to the employees for a specified amount of sum insured.

Group Medical Insurance Coverage for Aviation Industry

Group health insurance for Aviation companies provides coverage for the following:

• Pre & post hospitalisation charges are covered
• Pre-existing diseases are covered from Day 1.
• New born baby of an insured employee is covered from the 1st day of the delivery.
• Concerned Doctor’s fee is covered.
• Maternity coverage is provided.
• Room rent charges are covered as per specified in the policy.
• Domiciliary charges along with day care treatment charges are covered.
• Extended cover for supplies such as medicines, oxygen, drugs, etc. are covered.
• Medical tests like radiotherapy and chemotherapy are covered. 

Group Health Plan for Aviation Industry does not Cover

Group health insurance for Aviation firms does not provide coverage for the following:

• Congenital diseases are not covered.
• Non-allopathy treatments like Ayurveda and Homeopathy are not covered.
• Expenses incurred in diseases like AIDS or other related diseases are not covered.
• Health related complication caused due to abuse of drugs and alcohol is not covered.
• Several insurers do not provide coverage to the parents of the insured.

Group Medical Insurance for Aviation Industry: Claiming Process

Follow the below mentioned steps to raise cashless claim through third-party administrator for Aviation Industry:

• Fill in the form at TPA desk after reaching the hospital
• TPA will tell the insurer for pre-approval
• Insurer will send the approval with an initial amount that is to be paid by insured.
• After the treatment the insurer compensate the paid amount as per the terms and conditions.

Follow the below mentioned steps for re-imbursement:

• Inform the insurance company within 24 hours of hospitalisation
• Keep all the required documents in handy such as discharge documents and bills
• Insurer will process the claim
• Also provide cancelled cheque to begin the process of receiving the claim amount
• The insurance company will settle the raised claim within 15 days.

Group Health Cover for Aviation Industry: Required Documents

Keep these documents ready as you will have to submit them along with the claim form:

• Claim form with concerned Doctor’s signature
• Doctor’s prescription
• Police report, if any in case of accident
• FIR, if any
• Discharge summary with the listed treatments
• Cash memo
• Any other documents required by the insurer