Does Health Insurance Cover Ambulance Charges?

Health plans are considered a saviour in tough times or in any medical emergency. Insurance coverage protects your hard-earned income from fading away by paying medical bills. Along with the coverage for hospitalisations, a medical policy also covers various additional medical expenses. To know about the additional benefits associated with the health plan, you must continue reading.

Understanding the Coverage Under a Health Plan

Health insurance is not a new thing anymore. It has helped many families fight even life-threatening diseases. It not only helps you financially but also gives you peace of mind with the wide coverage it offers. Let us understand the coverage offered by most of the insurers under a general health plan.

• Hospitalisation Expenses: The main feature of any health plan is to cover hospitalisation bills. You can easily get cashless treatment at network hospitals, along with reimbursement facilities in non-network hospitals.
• Pre-existing Illness: If you have any pre-existing illness or any medical history, it will get covered under a medical policy after the completion of the waiting period. The waiting period may range from 12 to 24 months.
• Day Care Procedures: If your medical treatment does not involve hospitalisation, then you do not have to worry about it. Generally, a health policy covers the cost involved in daycare procedures, like cataract surgery, dialysis, etc.
• Preventive Care: Most of the people are completely aware of the preventive health check-up covered under their policy. There is at least one health check-up per year provided by the insurer to the policyholder.

Ambulance Charges

Does health insurance cover ambulance fees? It is one of the most frequently asked questions of policyholders. However, the best health insurance policy cover is the benefit you get from a health plan. The coverage amount varies from insurer to insurer and the plan you choose.

You do not have to worry about health insurance ambulance cover as even if you choose a base health plan, you will be provided with the reimbursement facility for ambulance charges. Air ambulance insurance India is another facility you can avail of through your health plan. However, the reimbursement for the same is only applicable if certain conditions are met. In case your policy does not include health insurance ambulance cover only, then you can take it as an add-on at the time of policy renewal.

However, the frequency of using a health insurance ambulance cover varies with plans and insurers. Some insurers permit the claim once a year, and others might allow for twice or thrice a year.

By now, you might have got the answer to the question: is ambulance cover included in health insurance? As it is a medical expense, hence is covered under the insurance.

Peace of Mind with a Health Cover

If you are a policyholder or planning to buy one, you must be aware of the benefits it offers. Here are the most common benefits you get by being a policyholder of any health plan:

• Cashless Treatment: Once you are enrolled under a medical plan, you are eligible to get cashless treatment at network hospitals. You just have to show your health ID at the time of admission to the hospital to avail of this facility.
• Best Medical Treatment: Everyone wants to get treated by the best medical professionals. But as the cost of treatment at top hospitals is skyrocketing, it confronts you from seeking treatment. However, with a health plan in place, you can get the best medical facilities at reasonable prices.
   
• ICU Charges: If the patient requires an ICU facility, then it can cost you an arm and a leg. But health insurance policies provide coverage for ICU charges. It can save from running out of funds during a medical emergency.
   
• AYUSH Treatment: Gone are the days when treatments including Ayurveda, Unani, Siddha, and Homeopathy are not covered under a health plan. Now, you can easily seek treatment under AYUSH without worrying about the cost it involves.

Bottomline

In recent times, especially after COVID-19, people have become more careful about their well-being and hence started investing in medical policies for themselves and their loved ones. If you are among the ones wishing to opt for medical insurance, then you can choose Niva Bupa as your insurance partner. It has a high claim settlement ratio with an easy claim filing process. The insurer also offers a 24*7 service facility with health insurance ambulance cover for its policyholders. You can also visit its website to explore various plans and choose the one that suits your needs.

So, stop your search and gift your family the best health coverage by choosing Niva Bupa, one of the best health insurance company in India ! Ensure their well-being with comprehensive and reliable healthcare services