Health insurance is crucial to cover your medical expenses during a health emergency. But, before you buy a health policy, you must know the diseases and medical procedures that you will be covered for. This article discusses some of the most common inclusions of health insurance plans available in India.
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Inclusions in health insurance refer to the specific healthcare expenses covered in a medical insurance policy. They comprise of medical treatments, surgical procedures, diagnostic tests, medications, and other healthcare services that an insurance company agrees to pay for as per the terms & conditions of the policy.
Checking inclusions before purchasing health insurance enables you to assess the policy coverage and understand the financial protection offered by your insurer. If you are unaware of your policy inclusions, you might raise a claim for medical expenses that your insurer does not cover. This may lead to the rejection of your claim.
Thus, checking the inclusions allow you to buy a mediclaim policy that meets all your healthcare requirements.
Some common inclusions of health insurance plans in India are as follows-
If you are hospitalized for at least 24 hours, it is considered an in-patient hospitalization. Almost all health insurance plans offer coverage for in-patient hospitalization expenses, including the cost of hospital room, nursing care, Intensive Care Unit (ICU) treatment, medicines & drugs, diagnostic tests, operation theatre charges, doctor's fees, etc.
A pre-existing illness is a medical condition that you already have before purchasing a health insurance policy. Health insurance plans typically cover pre-existing diseases after a waiting period ranging from 2 to 4 years. Make sure to declare your pre-existing conditions at the time of policy purchase to avoid claim rejections in future.
You may also read- Pre-existing (PED) Cover from Day 1
Health insurance plans also offer coverage for pre-hospitalization expenses or medical expenses incurred before your hospital admission. They may include doctor consultation fees, diagnostic test charges, medicines costs, etc. Pre-hospitalization expenses are usually covered for up to 30, 60, or 90 days.
Medical expenses that you may incur after getting discharged from the hospital are referred to as post-hospitalization expenses. They include the cost of follow-up consultations, medications, medical tests, physiotherapy, and any necessary treatments during the recovery period. Health insurance plans cover these expenses for up to 60, 90, or 180 days.
You may also read- Pre & Post Hospitalization Expenses in Health Insurance
Day care treatments refer to those medical procedures that do not require a hospital stay of 24 hours, thanks to advancements in medical technology. Most health insurance plans offer coverage for daycare treatments, such as chemotherapy, dialysis, cataract surgery, radiotherapy, piles, etc.
Several health insurance policies offer coverage for preventive health check-ups. These check-ups typically include evaluations of blood sugar, renal function, ECG, and other basic health parameters. Preventive health check-ups enable you to take timely precautions and prevent the development of any serious medical condition or disease.
You may also read- Know about Preventive Health Check-ups
Many health insurance plans in India offer coverage for maternity expenses, subject to a waiting period ranging from 9 months to 6 years. It covers pregnancy-related expenses for both normal and cesarean (C-section) deliveries, along with pre & post-natal costs and newborn baby expenses.
You may also read- Health Insurance with Pregnancy Cover
Organ donor expenses cover the cost of harvesting the organ donated for a transplant surgery of the insured. They include the cost of compatibility tests, in-patient hospitalization, pre & post-hospitalization, post-surgery care, and recovery.
In 2020, the IRDAI mandated all health insurance companies to provide mental illness coverage. As a result, health insurance plans now cover the treatment cost of mental illnesses, such as bipolar affective disorders, anxiety & stress disorders, acute depression, sleep & eating disorders, dementia, schizophrenia, etc.
You may also read- Does Health Insurance Cover Psychological Disorders?
Health insurance policies also cover alternative medicine treatments, collectively known as AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy). However, they only cover in-patient alternative treatments taken at a government hospital or institute recognized and/or accredited by the Quality Council of India or the National Accreditation Board.
Domiciliary treatment refers to the treatments taken at home in situations where hospitalization is not possible due to the unavailability of hospital beds or specific medical conditions. Your health insurance policy will cover the cost of domiciliary treatment if your attending doctor recommends it.
You may also read- Common Exclusions of a Health Insurance Plan
Understanding the inclusions of a health insurance plan allows you to understand the coverage provided by your insurance company. Besides, it also prevents your claims from getting rejected. Therefore, make sure to read and comprehend the policy inclusions in detail before you buy medical insurance.
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