Health Insurance: There is good news for health insurance buyers. There is no requirement to be admitted in the hospital for 24 hours to claim insurance. Many insurance companies give claim even if the patient is admitted in the hospital for 2 hours

Health Insurance : There is good news for health insurance buyers. There will be no requirement to be admitted in the hospital for 24 hours to get insurance claim. Many insurance companies give claim even if the patient is admitted in the hospital for 2 hours. Now insurance companies do not consider the condition of being admitted in the hospital for 24 hours as necessary for treatment. In new policies, claim can be received even for 2 hours of hospitalization.

These changes have been made in view of changing medical technology and faster treatment process. Earlier, where it was necessary to stay overnight in the hospital for cataract operation, chemotherapy or angiography, now all this is done in a few hours.

What has changed in health insurance?

Siddharth Singhal, Health Insurance Head at Policybazaar, said that now many companies give insurance claim even for hospitalization for 2 hours. This change shows that insurance companies are updating the policy keeping in mind medical advancement. There are no additional conditions or exclusions in these short-term hospitalization covers. That is, whether it is a small treatment or a big one, the cover remains equally strong.

Which policies provide this facility?

Below are the health insurance plans that also cover 2 hours of hospitalization.

ICICI Lombard Elevate Plan

Cover of Rs 10 lakh - Premium around Rs 9,195 per annum. This is for a 30-year-old person.

Care – Supreme Plan

Cover of Rs 10 lakh - premium around Rs 12,790 per year

Niva Bupa – Health Insurance Plans

Cover of Rs 10 Lakh - Premium around Rs 14,199 per annum

Why is this important?

In today's times, many medical procedures are completed in just 2 to 3 hours.

Earlier, if the claim was not available for 24 hours, it would get rejected, now this will not happen.

This will provide financial security to the common people and there will be no delay in treatment decisions.

Now whether the treatment is small or big, health insurance will help you. Even if you are admitted in the hospital for just 2 hours. If you have not updated your policy yet, then definitely get information by talking to your insurance advisor.

PC: MoneyControl