On his way to work, Rajesh was involved in a severe car accident. He was taken to the closest network hospital after suffering severe injuries. After being informed, his family left immediately for the network hospital. The network hospital wanted to know if Rajesh had online
health insurance. Savita, Rajesh’s wife, was aware that he had recently purchased a health plan, but she needed to be sure of the coverage. She was concerned that the health insurance plan might not cover Rajesh’s hospitalisation so soon. Was her concern over her finances valid?
Even though many of you purchase health insurance, you frequently have questions about the health insurance benefits of the coverage. Like Savita, many of you are unaware if accidental injuries are covered by health insurance. Are they?
Yes, they are, indeed. Bajaj Allianz health insurance premium covers accidental injuries. The coverage benefits that her plan would allow and are available to all health plans were explained to Savita as she informed the network hospital about the current health plan.
See what she discovered –
Ambulance Costs: The ambulance that took Rajesh to the network hospital was the first coverage Rajesh’s plan permitted. Most health plans, like Rajesh’s, only cover ambulance expenses up to a certain amount. Claims are subject to terms and conditions set forth under health insurance policy. *
Inpatient Hospitalization: Rajesh’s treatments, doctor’s fees, room rent, surgeon’s fees, operation costs, etc., may all be paid for during his stay in an inpatient network hospital. These costs, which arise when you are hospitalised for accidental injuries, may also be covered by standard online health insurance. Claims are subject to terms and conditions set forth under the health insurance policy. *
Post-Hospitalization Costs: Savita was also informed that the costs associated with keeping track of Rajesh’s health after his network hospital release would also be covered. Claims are subject to terms and conditions set forth under the health insurance policy. *
All of Savita’s concerns were allayed. She was relieved that the health plan would cover Rajesh’s medical expenses. She learned that health insurance covered accidental injuries starting on the policy’s first day. No waiting period exists.
You should be aware of some information about accidents and health plans.
- Accidental Passing Away: Medical expenses incurred during hospitalisation, regardless of whether the hospitalisation is caused by a disease or an accident, may be covered by health insurance plans. The plan does not, however, provide any benefits in the event of an unintentional passing away. The health plan is not even activated in the case of an instant passing away. However, if you are hospitalised following an accident and pass away during subsequent treatments or after being admitted, the health plan would cover the costs of your hospitalisation and medical care. However, upon an unfortunate passing away, no benefit would be given. Claims are subject to terms and conditions set forth under the health insurance policy. *
- Accidental Disabilities: Health insurance plans do not cover accidental disabilities. You would be covered for medical expenses related to your injuries, but the plan would not provide any additional benefits if you became disabled. Claims are subject to terms and conditions set forth under the health insurance policy. *
- OPD Costs: If you have outpatient expenses for minor accident injuries, your health plan may not pay for them. OPD costs may typically not be covered by health plans. Some of them do place limits on the amount of coverage. So, determine if and how much OPD
health insurance coverage your plan offers. Claims are subject to terms and conditions set forth under the health insurance policy. *
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Pre-Post Hospitalization:
Evaluate the coverage for pre-post hospitalization expenses in your health insurance policy. These expenses, including diagnostic tests, consultations, and recovery costs before and after hospitalization, are crucial aspects of comprehensive coverage.
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*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
