Zyadatar health insurance policies mein air ambulance ke liye chhote sub-limits hote hain. Medical emergency ke waqt yeh aapki jeb par bhari pad sakta hai, isliye apne policy ke rules ko acche se samajhna zaroori hai.
Air ambulance life-saving zaroor hai, lekin insurance cover ke naam par aksar yeh sirf dikhawe ka hota hai. Zyadatar policies mein pura kharcha cover nahi hota, balki ₹2.5 lakh se ₹5 lakh tak ka sub-limit laga diya jaata hai.
Policy ka structure kyun matter karta hai?
Kayi baar air ambulance cover 'base sum insured' ke andar hi hota hai. Iska matlab hai ki agar hospital ka bill jyada aaya, toh ambulance ke liye paise hi nahi bachenge. Kuch policies isse upar (add-on) deti hain, jaise HDFC ERGO ki Optima Secure mein better coverage milta hai, jabki unke Restore plan mein limits tight hain. Policy lene se pehle yeh zaroor check karein ki cover base sum mein hai ya extra.
Administrative hurdle se bachein
Emergency mein jaldi ke chakkar mein log galti kar dete hain. IFFCO-TOKIO General Insurance jaise companies cashless facility deti hain, par uske liye unke process aur network vendors ko follow karna padta hai. Agar aapne bina approval ke third-party ambulance bula li, toh claim rejection pakka hai.
Medical necessity aur paperwork
Insurers sirf tabhi paisa dete hain jab doctor certified proof de ki ground transport impossible tha. Saath hi, claim submission ka time limit bhi bahut tight hota hai, kabhi-kabhi sirf 30 days. IRDAI ke guidelines hone ke bawajood, saare reports aur proof dene ki jimmedari aapki hi hoti hai.
Travel insurance ka chakkar
Log sote hain domestic travel insurance mein medical evacuation cover hota hai, par aisa nahi hai. Iske liye alag se 'Emergency Medical Evacuation' add-on lena padta hai. Aircraft ka type aur equipment ke hisaab se kharcha bohot tezi se badhta hai, isliye contract ki baariqiyan pehle hi samajh lein.