Convalescence Benefit in Health Insurance

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.

So Which Plans Come with Impressive Convalescence Benefits?

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.

HDFC ERGO Health Suraksha

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.

Chola Hospital Cash Healthline Plan

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.

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

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.

Note: Convalescence benefit is payable after five continuous days of hospitalization.

ICICI LOMBARD Hospifund Insurance Plan

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:

• The insurer has accepted a claim under the base benefit
• The hospitalization is medically necessary and commenced and continued on the written advice of the treating Medical Practitioner
• You will not get this benefit for more than 5X for each insured person during the policy year
• You will get the benefit only once per hospitalization event
• You won’t get any payment under this benefit if hospitalization commences before the commencement of the policy period or within the waiting period
• If the insurer has admitted a claim under this benefit, the insurer shall pay the due under this benefit directly to the hospital where you are receiving treatment, provided it is a network hospital.
• If the payment due under this benefit is more than the amount payable to the hospital, the balance amount shall be paid directly to the insured/nominee

Bajaj Allianz Total Health Secure Goal

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.

Oriental Happy Cash-Nischint Rahein

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:

• An admissible claim is made under Daily Cash Benefit
• You can avail of this benefit only once per insured per policy year
• The payable amount under this benefit will be mentioned in the policy schedule
• The payment under convalescence benefit will be made in addition to the Daily Cash Benefit

Future Generali Hospital Cash Insurance Plan

Convalescence benefit for hospitalization exceeding ten consecutive days is INR 5000 under the Future Generali Hospital Cash Insurance Plan.