Insurance
Insurance
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What documents do I need to claim equipment rental from insurance?
Created by Ishaan Bansal (1 month ago)
You typically need: 1. The doctor's prescription/advise, 2. The original GST invoice from Aarogyaa Bharat, 3. The delivery/installation report, and 4. The discharge summary from the hospital.
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Are 'Oxygen Refills' covered by insurance?
Created by John D'Costa (1 month ago)
Oxygen gas (refills) is often considered a 'consumable' or 'medication.' Some policies cover it under 'Pharmacy' or 'Post-hospitalization' expenses, but you must keep all the refill receipts.
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Can I claim the cost of CPAP/BiPAP masks and tubing?
Created by Ananya Sharma (1 month ago)
Most insurance companies consider these 'consumables' and do not reimburse them, similar to how they handle syringes or gauze. However, the rental of the machine itself is usually reimbursable.
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Does insurance cover 'Room Rent' fully?
Created by Noor Qureshi (1 month ago)
Many policies have a 'Room Rent Capping' (e.g., 1% of the sum insured). If you pick a room more expensive than your limit, you may have to pay a proportionate share of the total bill.
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What is 'Domiciliary Hospitalization' in insurance terms?
Created by Mary D'Costa (1 month ago)
It refers to medical treatment for a condition that normally requires hospital stay but is provided at home because the patient's condition prevents moving to a hospital or because hospital beds are u...
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Do corporate group insurance plans cover home equipment?
Created by John Pereira (1 month ago)
Many corporate plans are more flexible than individual policies and may cover 'Home Support' as part of their employee wellness benefits. Check with your HR or the insurance portal provided by your em...
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Is home nursing care covered by insurance in India?
Created by Harpreet Kaur (1 month ago)
This depends on your specific policy. Some modern plans offer 'Home Care' riders. Check your policy wordings for 'Domiciliary Hospitalization' or 'Home Healthcare' clauses. We can provide the necessar...
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What is a 'TPA' in health insurance?
Created by John Fernandes (1 month ago)
A Third-Party Administrator (TPA) is a company that processes insurance claims on behalf of the insurer. They handle hospital desk coordination and pre-authorization.
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Does insurance cover 'Home Physiotherapy'?
Created by Gurpreet Singh (1 month ago)
Yes, many policies cover up to 10-15 sessions of physiotherapy post-surgery. You will need a prescription and a 'Session Log' signed by the therapist for each visit.
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What is 'Cashless' vs 'Reimbursement'?
Created by Manpreet Singh (1 month ago)
Cashless means the insurer pays the hospital directly (network hospitals only). Reimbursement means you pay upfront and claim the money back later from the insurer.
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