Can routine consultations and medication bills be claimed underneath my medical insurance coverage?
—Identify withheld on request
Routine consultations and medical bills are OPD (outpatient division) bills, that are often not lined underneath an indemnity medical insurance coverage. Normally, a coverage covers solely hospitalization (in-patient division) bills when lively remedy is run or a surgical procedure is carried out. Nevertheless, some medical insurance merchandise can be found available in the market that additionally cowl OPD bills.
My son has been complaining of a listening to downside; the paediatrician has recommended getting it checked at a hospital. Can I exploit the medical insurance if the remedy availed is lower than a day at a hospital?
—Identify withheld on request
Based on the coverage ‘hospitalization’ means admission to a hospital for no less than 24 hours. A buyer can actually declare insurance coverage advantages if hospitalization has not occurred for twenty-four steady hours underneath outlined day-care procedures. Each medical insurance coverage covers specified procedures outlined underneath day-care procedures checklist, which don’t require 24 hours hospitalization. Resulting from developments in medical expertise day-care therapies could be availed, which in any other case would require 24 hours hospitalization. Some widespread therapies which can be lined underneath the day-care checklist are chemotherapy, cataract, and radiotherapy.
I’ve lodged a declare after the expiry of my coverage date for an accident that occurred throughout the coverage interval. Will I nonetheless get the declare?
—Identify withheld on request
Any harm, ailment or loss that sustained inside a coverage interval is eligible for a declare, topic to the opposite phrases and situations of the coverage. Most insurance policies have a stipulated time inside which the declare must be intimated to the insurance coverage firm. It’s advisable to stay to this time to keep away from any hassles on the time of want.
Atul Deshpande is head-claims, digital and initiatives, at SBI Basic Insurance coverage. Queries and views at mintmoney@livemint.com.
Supply: Live Mint