Comprehensive Policy: Try These Saving Ideas For Pre-Hospitalization Expenses

Schedule regular health check-ups.

BeFit Cover offers customers the benefits of OPD services i.e. doctor consultation, pharmacy & diagnostic services and physiotherapy sessions in a cashless manner

a health insurance policy (Health Insurance Policy) Acts as financial support for an insured person. This policy comes in handy when the insured person falls ill and has to go to the hospital for treatment (hospitalization) is required to be admitted. A health insurance policy not only pays for hospitalization treatment, but also if you opt for a comprehensive policy (comprehensive policy) covers a lot more. Doing this will not only help you save a lot of money during emergencies but will also keep you away from financial stress.

Health care costs are constantly increasing. That’s why it helps to learn how to take steps to limit your out-of-pocket health care costs. Try these tips below to help you make the most of your benefits and save money during your care. Make sure your policy covers pre-hospitalization charges.

Your policy covers pre-hospitalization charges

The treatment of a medical emergency is not just about hospitalization. In some cases, one may also undergo pre-hospitalization and post-hospitalization treatment. For example, you have to undergo a procedure called angiography before being admitted to the hospital for angioplasty to check the number of blockages in the veins. This is a pre-hospitalization medical procedure. You will save money on such treatments if your health insurance policy covers them.

Schedule regular health checkups

Sheena Kapoor, Marketing Head, Corporate Communications & CSR, ICICI Lombard General Insurance said, Many health insurance companies offer health or wellness programs as part of an insurance plan. These are helpful in tracking your recent health condition and finding patterns of possible health problems. Such programs are free under certain policies, for example, the employer’s group health insurance policy. These programs help you avoid a medical problem by detecting it early. This can save money on hospital bills in the long run.

Check for OPD Coverage

Not all medical issues require hospitalization. For example, you may have to go to the OPD for treatment of a minor illness or injury. During such cases, you may go to the OPD of the clinic or hospital, ask the doctor to assess the medical problem, the need for diagnosis through laboratory tests and medicines in the pharmacy to treat the medical problem. can buy. For these services, you pay for doctor consultation fees, lab tests and medicines. Regular health insurance plans do not cover such expenses, which put a financial burden on you. Thankfully, the new age health insurer ICICI Lombard has designed policies that include coverage for OPD expenses.

BeFit Cover offers customers the benefits of OPD services i.e. doctor consultation, pharmacy and diagnostic services and physiotherapy sessions in a cashless manner. The solution provides coverage to the customers for their entire OPD requirements on a cashless basis. Clients can avail a range of coverage in physical and virtual consultations by general, specialist and super-specialist doctors as well as physiotherapy sessions. Meeting other expenses, BeFit’s offering includes expenses related to pharmacy and diagnostic services as well as expenses related to minor procedures that do not require hospitalization.

seek alternative treatments

Allopathy is a branch of medicine which is generally preferred by people. But taking advantage of remedies like homeopathy, ayurveda etc can also be beneficial. When you decide to get treated at such a hospital, your health insurance policy should cover the expenses. Thus, look for a policy that offers AYUSH coverage i.e. covers alternative treatments.

save on room rent

Room rent is one of the major factors in the hospital bill which adds up to the final amount. You can reduce this cost with your health insurance policy by opting for an add-on called Room Rent Waiver. This will help you remove or subtract sub-limits on room rent, and you can save money on hospital bills.

Transport charge is covered or not

In a medical emergency, the patient has to be moved from one place to another. This can be done by hiring an ambulance, but it adds up to your overall cost. You need to ensure that the ambulance charges are covered under the insurance policy.

Go for daily cash benefits

It’s always a good idea to have some cash on hand when you have a tendency to be patient. This benefit is provided by a health insurance policy with a benefit called Daily Hospital Cash. An insurance company will provide a certain amount of cash for a pre-determined number of days during the hospitalization of the patient.

Get treatment in network hospital

Being admitted to a hospital that is a part of the insurer’s network will allow you to file a cashless claim. This is the biggest savings you can get on hospital bills. Under cashless claims, the bulk of your hospital bill will be borne by the insurance company, and you will only have to pay the deductible amount.

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Renew your policy frequently

A dormant policy will not provide any benefits related to health insurance. You will have to bear all the expenses related to the medical emergency yourself.