Hospital Care Insurance tries to protect your family from any unexpected hospitalization expenses. It is a perfect supplement to your health policy accidents and mishaps, as they can happen to anyone at any time. Hospital Care Insurance happens to bring proper hospitalization and comes as a supplement causing financial problems.
Hospital Care Insurance covers such charges like X-Ray, Pathology, Scans, Consultation, Surgeons fees, and Operation Theatre charges. On an average, more than 3, 00,000 people require hospitalization due to serious injury in road accidents.
In India, there is the TATA AIG’s Hospital Care Plan that takes care of hospital cash, accidental death benefits and incidental expenses in case of hospitalization due to accidents.
The salient features of Hospital Care Insurance are as follows:
• Hospital Cash Benefit: It takes care of incidental expenses while in hospital
• ICU Benefit: It includes double hospital cash benefit while admitted in Intensive Care Unit
Hospital Care Insurance also covers important elements of hospitalization expenses arising out of accidents such as Surgeons Fee, Operation Theatre, Anthesthetist, X-rays, Pathology Tests, and Ambulance.
People can enjoy some physiotherapy benefit that helps you to recover fast while admitted in hospital due to some accidents. In addition, there is the Accidental Death Benefit which provides equivalent to 100 times daily Hospital Cash benefit.
Several insurance companies offer 3 main plans with different levels of protections against hospitalization expenses due to accidents. Hospital Care Insurance additional benefit features
• No medical tests required
• No financial documentation required
• 24 hours worldwide coverage, including terrorism
• Ambulance charges not required