5 HEALTH INSURANCE MYTHS THAT YOU SHOULD BE AWARE OF
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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