Can Medical Insurance be Claimed without Hospitalization?

Posted on: Feb 25, 2022 | | Written by:

Can Medical Insurance be Claimed without Hospitalization?

Published on March 1, 2022. EST READ TIME: 3 minutes

Today, investing in a good health insurance has become a standard practice and more and more people are opting for medical insurance plans to safeguard their finances. A medical emergency brings with it both mental and financial stress for the family. But health insurance ensures that you are prepared to take care of the soaring healthcare costs. However, often there are certain doubts and assumption regarding medical insurance plans. For instance, it is often assumed that hospitalization for over a day is a prerequisite. With technological advancement in medicine, it is no longer necessary that all treatments require prolonged hospitalization. Many treatments are done without hospitalization and sometimes in less than a day. Below are things you need to know regarding hospitalization in the context of health insurance.

Day-care procedures

Medical treatments that do not require hospitalization and can be completed in less than 24 hours are known as day-care procedures. Due to technology and innovation in the medical field, it is now possible to treat many ailments in a shorter duration as compared to earlier. Usually, the time required for a day-care procedure ranges between 2 hours but less than 24 hours. Even though the procedures take less time, its treatment cost is high and hence need to be covered in your insurance policy. A few examples of such procedures are cataract, radiotherapy, chemotherapy, dialysis, angioplasty, appendectomy, liver aspiration, colonoscopy, ENT and dental ailments etc. These are covered as part of day-care procedures. When buying a medical insurance, especially for your parents or senior citizens, it is important to check if these coverages are included as with age, dependency on medical treatment increases.

Domiciliary hospitalization

This aspect of medical insurance plans allows you to avail treatment at your home when you cannot get admitted to a hospital for some reason. It can be opted when the illness is severe, and it limits the mobility of the patient. Alternatively, when there is a shortage of hospital beds, domiciliary cover can be useful as the insurance policy covers such treatment at your home. Duration of treatments and their coverage vary from different insurance companies. One important thing to remember is that domiciliary hospitalization is specific in nature and does not consider alternative treatments such as Homeopathy or Ayurveda in its coverage. So, it is important to read the policy document very carefully.

Conclusion

Health insurance is not restricted to come handy while getting admitted to a hospital. There are different forms of treatment as explained above that help to seek medical treatment without having to visit a hospital. But the important takeaway from this is that everyone needs to have the best health insurance in India. A medical insurance is an extremely crucial part of everyone’s life. Hence, do your research and buy the best medical insurance.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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