Health Insurance Plan: The condition of being admitted in the hospital for 24 hours to claim health insurance is now over. Many insurance companies are giving mediclaim even on just 2 hours of hospitalization. This change is being made to keep pace with the changes taking place in medical technology with the new era.

You will be able to claim only on 2 hours of hospitalization

Earlier, to claim health insurance, one needed to be admitted in the hospital for 24 hours. However, now this will not happen because many insurance companies are now providing the facility to claim only on being admitted in the hospital for 2 hours without accepting this condition. According to a CNBC TV18 report, Siddharth Singhal, Head of Health Insurance at Policybazaar, said, "In the last ten years, medical advancement has completely changed the way of treatment and surgery. This has also reduced the duration of stay in the hospital.

The condition of staying overnight is now over

Earlier, there was a need to stay overnight in the hospital for cataract operation, chemotherapy or angiography. Whereas today medical technology has advanced so much that all this is done in just a few hours. In view of this, many insurance companies are also covering 2 hours of hospitalization in their policies to ensure that a policyholder's claim is not rejected just because of not staying overnight in the hospital. Companies covering this include ICICI Lombard Elevate Plan, Care-Supreme Plan and Niva Bupa.

These companies are providing coverage

In ICICI Lombard Elevate Plan, coverage of up to Rs 10 lakh is available at an annual premium of Rs 9,195. This is for non-smokers aged 30 years. Similarly, the annual premium for Care Supreme starts from Rs 12,790 and the premium for Niva Bupa Health Reassure starts from Rs 14,199 per year.