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 Cost of Health Check-up

Health policies may also contain a provision for a health checkup

periodically. These may be reimbursed upto a certain limit or

the insured has to undergo the health checkup at an insurer

designated center and only insurer defined tests.

 Minimum period of stay in Hospital

In order to become eligible to make a claim under the policy,

minimum stay in the Hospital is necessary for a certain number

of hours. Usually this is 24 hours. With technology

advancements, several surgeries / procedures do not need

overnight hospitalization and to admit these claims and pay for

these, each insurer has a “Day Care” list, i.e. enlisted surgeries/

procedures will be admitted, and claim paid despite 24-hour

hospitalization not needed; most day care claims are offered as

‘Packages’ i.e. pre-determined amount payable for pre-

determined list of deliverable.

 Pre and post hospitalization expenses

Expenses incurred during a certain number of days prior to

hospitalization and after discharge from the hospital/nursing

home are paid as ‘pre- and post-hospitalization’. In most

insurers it is 30 days pre and 60 days post hospitalization but the

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