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The summer season has made life difficult for the common people these days. Due to fire raining from the sky and dangerous heatwave, cases of heatstroke are being reported very rapidly across the country. People are taking all kinds of measures to protect themselves from the sun and scorching heat, but despite this, their health suffers somewhere. In such a situation, a big and important question is arising in everyone’s mind that if someone falls seriously ill in this scorching heat or gets any infection in the body, then how will the huge expenses for treatment be arranged? Will our health insurance policy be useful in case of heat stroke or sunstroke or will the company flatly refuse to pay the claim?

Is treatment of heatstroke possible through health insurance?

If you also have this fear in your mind, then there is a relief news for you. According to experts, if a person falls seriously ill due to heatwave, he can claim the treatment expenses through his health insurance policy. Heat stroke is covered under general health insurance policies. This means that if you have to be admitted to the hospital due to heatstroke, the insurance company will bear the entire cost of your room rent, doctor’s fees, necessary medical tests and medicines. However, some strict terms and conditions have also been set to get this relief.

To get the claim, these important conditions of the policy have to be followed

Even though most health insurance companies cover heatstroke in extreme heat, you have to fulfill some basic conditions to get the claim passed. The first and foremost condition is that it is mandatory for the patient to be hospitalized. Most insurance policies become active and cover expenses only when the patient is admitted to the hospital for at least 24 hours or more.

Apart from this, accurate diagnosis by the doctor is very important. It should be clearly written by the doctor on the hospital’s medical report and prescription that the patient’s condition is due to heatstroke or extreme heatstroke. The most important thing above all is that your health insurance policy should be active at that time. If your premium is deposited on time and the policy is active, then you will not face any problem in getting the claim.

Do not make these mistakes even by mistake, otherwise your claim will be rejected.

Many times, due to minor negligence, insurance companies refuse to pay the claim. If you have got heatstroke treated only in OPD, that is, you saw the doctor and took the medicine and came home and were not admitted to the hospital, then this expense is not covered in many basic policies. Additionally, if heatwave illnesses are listed as exclusions in your policy terms, your claim may also get rejected.

After being discharged from the hospital, it is very important that you have all the relevant documents, such as medical bills, test reports and discharge summary. If the documents are incomplete or incorrect, the company will stop the claim. Another most important thing is that illness and hospitalization have to be immediately reported to the insurance company. Even if you delay too much in informing the company, your claim may be rejected. Therefore, give claim intimation to the company as soon as you reach the hospital.