Rohit Dahall, a 38-year-old Mumbai resident, faced a situation where his son underwent treatment for typhoid at a hospital in Mumbai. Mr. Rohit, initially, made a claim just for the hospital bill, overlooking the post-hospitalisation expenses that the policy offered. It was after one of our agents stepped in, and informed him about the claim that can be made for the amount spent on follow-up treatment and the medicines prescribed by the doctors.
Policy-holders tend to neglect reading the policy related documents thoroughly, and hence are unaware of all the benefits. Some benefits that you should be aware of are extended hospitalisation allowance, ambulance expenses, pre/post hospitalisation expenses and others. Buy online health insurance to utilise these benefits if you don’t have one already.
If you want to make the most of your health insurance premium, here are some benefits you need to keep track of:
Domiciliary Hospitalisation Expenses
Domiciliary Expenses are — under specific circumstances when a patient is being treated at home (as he/she is unable to travel to the hospital), under a doctor’s advice. As your insurer, Chola MS covers your domiciliary expenses, if the duration of your treatment is at least 2 days and a maximum of 7 days in a policy year.
AYUSH Coverage Expenses
If a policy-holder is hospitalised for more than 24 hours due to illness or accidental bodily injury for nonallopathic treatments given under Yoga, Ayurveda and Naturopathy, Siddha, Unani, and Homeopathy systems. Chola MS covers for these treatments if they are taken in a Government hospital or in any institute recognized by the government and/or accredited by Quality Council of India/National Accreditation Board on Health.
Along with covering the treatment expenses of a policyholder, the Health Insurance by Chola MS also covers the hospital expenses of the organ donor for the harvesting of the organ donated in case of an organ transplant.
On the renewal of your health insurance policy, you are entitled to benefits like complimentary health checkups and a cumulative bonus.While there are multiple benefits of health insurance, the above-listed benefits are often under-utilised. You can save your money by being aware of these benefits.
While there are multiple benefits of health insurance, the above-listed benefits are often under-utilised. You can save your money by being aware of these benefits.