What is covered under the health insurance
policy
Health insurance coverage
India has made great strides towards providing
universal access to quality and affordable healthcare, but there’s still much
work to be done when it comes to ensuring adequate health insurance coverage
for all citizens. According to recent estimates, only around half of India's
population has any form of health cover. This lack of comprehensive protection
can have serious consequences on individuals and families alike – from
financial hardship due to medical bills to poorer outcomes due to delayed or
denied care. To address this issue, the government recently launched two major
initiatives aimed at improving health insurance coverage across the country.
The first was Pradhan Mantri Jan Arogya Yojana (PMJAY), which provides free health
check-ups and up to Rs.5 lakh worth of annual hospitalization expenses for over
10 crore vulnerable populations. The second was Ayushman Bharat - National
Health Protection Mission (AB-NHPM) which offers cashless treatment facilities
to more than 50 crore people through a network of empaneled hospitals.
Depending
on the insurer and the plan chosen, a health insurance policy's precise
coverage may change. One important aspect which is needed to notice that
majority of health insurance policy in India are not pure health insurance
policy, but they are hospitalization expenses policy. Majority of policy
cover cost incurred during hospitalization not your OPD expenses.
However,
a variety of medical costs are often covered by health insurance policies,
including:
- Costs associated with inpatient hospitalization, such as bed and board, nursing care, and surgical fees.
- Outpatient medical costs, including visits to the doctor, imaging studies, and prescription medications.
- Including ambulance services and emergency department visits, emergency medical care
- Prenatal, labor, and postpartum care are all included in maternity and baby care.
- Treatment for mental illness and drug abuse.
- Preventive care services, such as routine examinations, immunizations, and screenings.
- Services for home healthcare, such as skilled nursing and home infusion therapy
It's
crucial to thoroughly read the terms and conditions of your health policy.
Pls comment for any suggestion, information and help in health insurance matter.
