Can health insurance be claimed without hospitalization

An insurance policy that covers expenses that arise due to an illness or injury is known as the Health Insurance Policy or the Medical Insurance Policy. The policy is either for an individual or an individual and his/her entire family. The policy pays for the treatment, or it pays for the care provided to the insured individuals. It makes sure that proper and on-time treatment is received by the insured person without causing any delays or unnecessary hassle in the treatment leading to anxiety among the individual or the family.

Earlier, for claiming medical insurance, getting admitted to the hospital was a prerequisite as many insurance companies offering medical insurance had a clause in the policy that made hospitalization compulsory. But with the changing times and the technological advances made in the field of medicine, hospitalization is not necessary for a lot of treatments.

The following points are worth mentioning in the context of hospitalization and medical insurance:

• Daycare procedures:

Treatments like cataracts, dialysis, chemotherapy, radiotherapy, angioplasty, appendectomy, colonoscopy, liver aspiration, ENT, and dental treatments are some examples of daycare procedures that take 2 hours or more but less than 24 hours.

In all these treatments, hospitalization is not required. But even though the time utilized for the treatments is very less, the cost of treatment is very high, and this is where medical insurance becomes important.

While buying health insurance for parents or senior citizens, it is important to make sure that all the daycare procedures are covered by the policy as an illness with growing age increases the need for medical treatments.

• Domiciliary hospitalization:

nowadays, taking treatment from home has also become an important way of taking care of the ill, aged, and needy members of a family and thus are covered in the medical insurance policies meant for aged people.

There are cases of severe illness where the patient cannot move about freely and requires treatment on a daily basis. In such cases, opting for treatment from home becomes easy for the patient as well as his/her family members.

There are instances when not enough beds are available in the hospitals, and admitting the patient becomes difficult. Then home treatment is the only option available. The long duration of illness and, subsequently, the treatment required also makes the aspect of home treatment quite feasible. But one thing to take into account when opting for home treatment is that it is specific in nature, and alternative treatment methods like homeopathy or ayurveda are not covered by health insurance.

Purchasing health insurance is achieving increasing importance as a way of safeguarding oneself and their family, especially with the global pandemic that hit the world in 2020. Make sure to buy health insurance if you do not already have one. Also, ensure going through all details and get a policy that provides you with the maximum coverage benefits.

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