Different insurance companies have different provisions regarding the health insurance policy. Generally there are the following types of provisions that are based on its inclusion when taking a health insurance policy:
- 1. In-patient treatment: In this, the sum up to the policy sum assured is covered by hospitality due to illness.
- Pre-Hospitalization: Medical expenses are covered in the first 60 days immediately before the hospitalization.
- Post-Hospitalization: This provides for provision of medical expenses in 60 days immediately after the hospitalization.
- Day Care Procedures: Under this provision of Health Insurance Policy, such expenses are covered in approximately 141 listed daycare, in which 24 hours of hospitalization is not required due to technical advancement.
- Domiciliary Treatment: There is a provision to cover the treatment expenses taken from the advice of a physician at home.
- Emergency Ambulance: In this provision of Health Insurance Policy, the maximum amount up to Rs 2,000 is given in the Emergency to spend on the ambulance.
- Ayurvedic / Homeopathic: With the increasing trend of alternative medicine systems, there is now a provision for health insurance policies of many health insurance companies through Ayurvedic and Homeopathic.
