There is now some big and relieving news regarding health insurance claims. Now you do not need to stay in the hospital for 24 hours for treatment. Many insurance companies are now giving mediclaim even for just 2 hours of hospitalization. This change has been made because now the methods of treatment have become very fast and modern. Earlier, when patients had to stay in the hospital overnight for treatment like cataract, chemotherapy, or angiography, now all this is done in a few hours. In such a situation, the old condition of staying in the hospital for 24 hours is no longer necessary.

Which plans are giving a claim in 2 hours?

Some health insurance companies have changed their policies and started covering short-term treatment as well. ICICI Lombard Elevate Plan offers a cover of 10 lakhs, the annual premium is approximately ₹9,195 (for a 30-year-old person), Care Supreme Plan offers a cover of 10 lakhs, the premium is ₹12,790 annually and Niva Bupa Health Insurance Plan offers a cover of 10 lakhs, premium is ₹14,199 annually.

What will be the benefit of this?

Now you will be able to get claims on treatments which are called day-care procedures, like cataract operation, dialysis, chemotherapy, etc. Earlier, the claim was not available only because the patient was not admitted to the hospital for 24 hours.

Now, even if the treatment is done in a short time, you will not have to pay money from your pocket. This will help people get treatment on time and also save them from financial burden.

What is changing?

Insurance companies are now understanding the modern techniques of treatment and are updating their policies accordingly. This means that insurance cover has now become smarter, faster and more personalised. Overall, this change is a relief for the customers and makes health insurance more convenient than ever before.

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