5 HEALTH INSURANCE MYTHS THAT YOU SHOULD BE AWARE OF

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5 HEALTH INSURANCE MYTHS THAT YOU SHOULD BE AWARE OF

Myth 4: You need to be hospitalized for 24 hours to get a Mediclaim.

Reality: It is true in many cases, but not always. Why? Most procedures, which do not need overnight hospitalization, is treated as an out-patient procedure and therefore do not qualify for Mediclaim. However, some procedures which require hospitalization may not require the patient to stay for 24 hours in the hospital. The keyword is hospitalization, not the length of time the patient is hospitalized. A case in point is my mother’s cataract surgery last year. She was hospitalized but was discharged much before 24 hours had elapsed from the time she got admitted. She qualified for Mediclaim and did receive her claim. With advances in medical science, length of stay in the hospital is reducing and therefore, hospitalization is important for Mediclaim and not the length of stay. On the other hand the reverse is also true. Sometimes for diagnostic tests, the patient may need to stay in the hospital for more than 24 hours, but since no treatment is carried out, it does not qualify for Mediclaim. For example, my father had to get his colonoscopy test, for which he had to stay overnight in the hospital. Since, the purpose of his stay was purely diagnostic testing and no treatment, he was not eligible for Mediclaim, even though he stayed in the hospital for more than 24 hours.

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