Is 24-hour hospitalisation mandatory for filing a claim under group health insurance?

1Answer

Yes. Only expenses on hospitalization for a minimum period of 24 hours are admissible. However, this time limit will not apply to specific treatments taken in a hospital/nursing home where the insured is discharged on the same day of the treatment will be considered to be taken under Hospitalization Benefit.

Example: Hemodialysis, Parenteral Chemotherapy, Radiotherapy, Cataract, Lithotripsy (kidney stone removal), Tonsillectomy.
Hospitalization for 24 hours is not the only criteria for settlement of claims and the treatment given should justify hospitalization.

 

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