Air Ambulance in Health Insurance
- Air Ambulance Services
- Emergency Evacuations
- Top-quality Medical Care
In times of emergency when timely specialized care is required, airlifting the patient can be a saviour. That's where air ambulance comes in light. Let's know about the benefits of an air ambulance through this table:-
On the contrary, it has its own sets of limitations too. Let's put together the limitations of an air ambulance:-
Let's read this table to get a clear picture of how a flight ambulance works:-
Types |
Helicopter air ambulance- Equipped with medical facilitation and specialized medical staff, this rapid response air ambulance is accessible for remote urban areas
having limited landing spaces, or for shorter distances. Fixed-wing air ambulance- These aeroplanes are suitable for covering longer distances, either within the country or across borders. It has all the pre-set advanced equipment to handle even critical patients. Search and rescue air ambulance- Used to carry along injured or critical patients in case of disasters in rugged/unreachable areas. It helps to evacuate and rescue people from remote regions to accessible areas. Neonatal & pediatric air ambulance- It's lash with all the advanced equipment that is required during any critical emergency with newborns or children. The staff and pilots present inside this ambulance are highly trained to handle the viable medical needs of the patients. Organ transport air ambulance- This ambulance service is used to carry body organs that have been donated to get transplanted during surgeries. To maintain the viability of body organs, the speed and coordination of this air ambulance is well known. |
|---|---|
Documents required |
A validating medical certificate and clearance letter provided by a registered hospital or a medical practitioner Passport or relevant documents Patient's medical insurance policy A copy of the air ambulance provider's policy Documented medical records of the patient and proven medical history certificates The patient's undersigned authorization letter and his family's/relative's approval to take the flight, etc |
Conditions covered |
Urgent medical conditions, Critical illness care, Traumatic cases, prenatal/neonatal care, heart attacks, strokes, evacuation and rescue due to a disastrous situation. |
Cost |
Base fare- The aviation company providing air ambulance services charges accordingly but it somewhere lies between Rupees 50,000-2,50,000. Per-kilometre charge- It's a charge that varies according to the distance you're travelling to reach medical facilitation. It can be between Rupees 50-200 per km. Aircraft model- The type of aircraft/air ambulance in regards to the situation decides the range viz, Rupees 2,00,000-10,00,000. In the case of an International air ambulance, it can be more than this. Specialized medical personnel- They are highly trained to handle the most vulnerable and critical situations, hence charges vary from Rupees 20,000-1,00,000 or more. |
Coverage specifications |
Contact your insurance provider in an emergency for immediate help and ask them to arrange an air ambulance. Provide all the required details- patient's condition, care needed, the location etc. Take pre-authorization from your insurer to arrange air transport, as it could be mentioned in your policy clause itself. In-network service providers have a good deal for you, as it may cost you lower out-of-pocket expenses and helpful to provide maximum coordination with the company. Keep a record of everything so that this documentation can help you achieve the desired reimbursement while making a claim. |
NOTE:- Depending on these factors, the charges of an air ambulance may vary somewhere between a range of Rupees 1,00,000 to 10,00,000 or sometimes more. The cost of these services is highly subject to your policy's plan, budget, and requirements. And the above-mentioned price of airlifting a patient is estimated as the lowest.
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
