What Is Covered Under a Family Health Insurance Plan?
Family health insurance is there to provide coverage of all expenses that occur out of in-patient hospitalization, pre-hospitalization, post-hospitalization, daycare, health check-up, emergency ambulance service, etc. Let's look at each in detail:
In-patient Hospitalization: All the medical expenses that take place because of hospitalization will be liable to get cover. If any of the insured family members are hospitalized for more than 24 hours, then the insurance company will pay all the medical expenses related to the same.
Pre-hospitalization Expenses: The insurance company will also pay for the expenses that occur before hospitalization are termed as pre-hospitalization expenses. For example, X-ray, MRI, blood test, urine tests, sonography results, etc. done before hospitalization are covered.
Post-hospitalization Expenses: Any medical expenses after getting discharged from the hospital would be liable to get cover. For example, medicines, or any medical tests done after the discharge to check the improvement.
Hospital Cash: The insurer offers a daily cash allowance. The same amount can be used for transportation or other basic requirements of the person attending the patient.
Restore Benefit: Several health insurance companies provide the restore benefit feature under a family health insurance plan. It assists in reinstating the basic plan cover in case the coverage gets exhausted.
Daycare Treatment: Daycare treatments which do not require 24 hours of hospitalization. For example, medical expenses related to cataract which can be treated within a few hours.
Ambulance Charges: Most of the insurance companies offering family health insurance plan covers emergency ambulance charges. The amount of emergency ambulance charges varies from insurer to insurer.
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