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Health Insurance 430 views August 16, 2021
Health insurance plans cover all the necessary medical expenses one has to do in case of a medical emergency. Amongst the coverages, the convalescence benefit is one. So, if you are hospitalized for a prolonged period, the insurer offers a lump sum amount for your recovery. The recovery period in the hospital is termed convalescence and lasts for 7-10 days. So, the convalescence benefit in health insurance will cover the expenses for recovery after discharge from the hospital. Read this page and know about the best health insurance plans with convalescence benefits.
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The plans include HDFC ERGO Health Suraksha, Chola Hospital Cash Healthline Plan, ICICI LOMBARD Hospifund Insurance Plan, etc. Let’s talk about them without any further delay.
A lump sum of 1% of the sum insured, subject to a maximum of INR 10,000 shall be payable to you in case the hospitalization exceeds 10 continuous and completed days.
If you are hospitalized for 20 consecutive days due to an illness/injury, the insurer shall pay a fixed amount based on your chosen variant. Check out the table below to know about the convalescence benefit payable under the Chola Hospital Cash Healthline Plan.
Plan Variant | Convalescence Benefit (In INR) |
---|---|
A | 10,000 |
B | 15,000 |
C | 20,000 |
D | 10,000 |
E | 15,000 |
F | 20,000 |
Note: The convalescence benefit is payable in addition to the hospital cash benefit. You can avail of this benefit only once per illness/injury in a policy year.
TATA AIG Wellsurance Family Insurance Plan provides financial protection to the insured during hospitalization by providing them the following convalescence benefits as per their chosen plan.
Classic | Supreme | Elite |
---|---|---|
INR 1,500 | INR 2,500 | INR 4,000 |
Note: Convalescence benefit is payable after five continuous days of hospitalization.
If you contract an illness or suffer from an injury due to an accident during the policy period and it requires hospitalization for a continuous period of at least 10 consecutive days, the insurer will pay an amount as specified in the policy schedule. This benefit is subject to the following:
If you are hospitalized due to an illness/injury for a continuous period exceeding 10 days, the insurer shall pay an amount of INR 5,000 per policy year. This benefit will be triggered if the hospitalization claim is accepted under the In-Patient Hospitalization Treatment Cover under the Bajaj Allianz Total Health Secure Goal.
Note: This benefit will be applied annually for policies with a tenure of more than 1 year. The convalescence benefit for Gold Plan is INR 7,500 per policy year.
If your hospitalization continues for 30/60 days as per your chosen daily cash benefit period, a lump sum amount is payable towards convalescence. This benefit is subject to the following conditions:
Convalescence benefit for hospitalization exceeding ten consecutive days is INR 5000 under the Future Generali Hospital Cash Insurance Plan.