There has been a big and comforting change regarding health insurance claims. Now you do not need to stay in the hospital for 24 hours to get a mediclaim. Many insurance companies are giving claims even if the patient is admitted to the hospital for just 2 hours. This change has been made keeping in mind modern medical technology and fast treatment procedures. Earlier, to get a health insurance claim, it was necessary to stay in the hospital for 24 hours. But, it is not like this anymore. Insurance companies no longer consider the condition of 24 hours of hospitalization as a necessary condition for treatment. Now a claim can be made even after 2 hours of hospitalization. This change has been made because nowadays medical technology has advanced a lot. Now many treatments are done very quickly. Earlier, an overnight stay in the hospital was required for cataract surgery, chemotherapy or angiography. But now all this is done in just a few hours. There are some health insurance plans that cover even 2 hours of hospitalization. These include ICICI Lombard Elevate Plan, Care – Supreme Plan and Niva Bupa – Health Insurance Plan. ICICI Lombard Elevate Plan offers a cover of Rs 10 lakh. The premium for this is around Rs 9,195 per annum. This is for a 30-year-old person. Care – Supreme Plan offers a cover of Rs 10 lakh. Its premium is Rs 12,790 per annum. Niva Bupa – Health Insurance Plan offers a cover of Rs 10 lakh. Its premium is around Rs 14,199 per annum. This change is directly beneficial for the customers in many ways. Many treatments like cataract surgery, chemotherapy, angiography or dialysis are completed in just a few hours. But, earlier, the claim was not received due to the 24-hour condition. Now, claims can be easily obtained even for these minor and day-care procedures. Due to this, patients will not have to pay money from their own pockets.
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