Home / Health Insurance / Articles / Does Health Insurance Cover Earthquake Injuries?
Team AckoFeb 21, 2023
An earthquake can cause landslides, fissures, avalanches, fires, and tsunamis. That is a scary list of natural calamities that can have devastating effects on people and property. A large number of people may get serious injuries due to an earthquake. As horrifying as all this sounds, the good old health insurance can definitely come to your rescue, and can help you avail medical treatment without worrying about hospital bills. Let’s understand if health insurance covers injuries due to an earthquake.
Yes, earthquake injuries are covered by health insurance. It is a type of insurance policy that provides financial assistance in the event of a medical emergency. An emergency condition can be anything from earthquake injuries to accident injuries.
Health insurance for earthquake injuries covers cashless hospitalisation, day-care treatment, pre and post-hospitalisation fees, and other expenses.
Contact your insurance company to file a claim for earthquake-related injuries. The claim process may be more straightforward, if you have a health insurance plan from a digital insurance company like ACKO. You might be allowed to raise a claim from the insurer's mobile application or the website. Traditional insurers may need a formal written letter to submit a claim. You must attach all the necessary documents with your claim request. Here is an indicative list of documents you may need to file a cashless claim.
Copy of insurance policy
Valid identity proof like Aadhar, driving licence, etc.
Doctor prescription that suggests treatment
Doctor prescription that advises medicines, tests, and consultation
Pharmacy bills, Ambulance bills, etc.
Address proof like Aadhaar for a ration card
Policy details like name of the policyholder, policy number, etc.
Raising a claim and the settlement process is quite simple if you have ACKO’s health insurance plan. Here are the steps to file a cashless claim for injuries from the earthquake at ACKO.
Step 1: Visit www.acko.com or open ACKO’s mobile application and login into your profile.
Step 2: Open your health insurance policy
Step 3: Click on Claims > Cashless treatment > See Policy Card
Show this policy card to the Third-Party Administrator (TPA) at a network hospital to start with the cashless claim process.
Most people are frequently monetarily constrained, and are often unable to pay medical bills efficiently, due to ever-increasing medical prices. In this case, cashless health insurance is a huge help because you will be able to receive treatment without needing instant access to cash. To receive treatment, make sure you go to one of the network hospitals registered with your health insurance provider.
The demand for cashless insurance is increasing in India day by day. This is because cashless health insurance is of immense help during an emergency. During emergencies like earthquakes, you may need more time to get access to cash. Cashless health insurance is of great support in such emergencies.
Here are tips to avail of cashless health insurance claims.
1. Get admitted to a network hospital
Choose a hospital that is within the network of your insurance company. While buying health insurance plans that cover earthquake injuries, please inquire about the chain of hospitals within their network. That is, learn about the hospitals with which the company has a tie-up.
2. Get help from a TPA if necessary
If you claim cashless payment, you must submit a form at the chosen hospital during admission. The hospitals have dedicated third-party counters to fill this form. After you submit your form, the hospital contacts the insurance company.
3. Submit all necessary documents
The insurance company approves your cashless approval for your hospitalisation. The hospital then starts filing documents related to treatment during your stay. You shall also keep a copy.
There are several types of health insurance plans, and the cost of each depends upon the following major factors.
1. Scope of Coverage : Depending upon the type of insurance plan, you will be offered coverages like hospitalisation, diagnostic tests, lump sum-sum insured,
2. Type of insurance plan : Health insurance plans can be of various types. For instance, Critical Illness Plan, Group Health Insurance, Family-floater plan, Health Insurance Accident Policy, etc. The premium of each type of plan differs as their coverage and purpose are different.
3. Sum insured : Insurance companies often offer health plans with various sum insured options. For example, at ACKO, you can buy the Platinum Plans with sum insured options ranging from Rs. 25 lakhs to an Unlimited sum insured.
Yes, you can buy health insurance for earthquake injuries online.
The eligible age to buy health insurance for earthquake injuries is at least 18 years.
The payment options for health insurance premiums depend upon the terms of individual insurers. You may have the option to pay the premium in monthly or quarterly instalments if allowed by the insurer.
Health insurances cover all the expenses such as in-patient hospitalisation, day care procedures, pre and post-hospitalisation charges, OPD expenses, domiciliary hospitalisation, organ donor expenses, emergency ambulance expenses, etc.
These coverages are helpful during medical emergencies. You get them under health insurance. Additionally, you can claim health insurance tax benefits under Section 80D of the Income Tax Act, 1961.
Yes, the benefits of buying health insurance in the early years are as follows.
Cheaper health plans
In-significant waiting period
Benefits on sum insured.
Before buying health insurance, you should consider factors like customer reviews, sum insured options, type of plan, hospital lists, premium, features of the plan, coverages, exclusions, etc.
When you buy the ACKO Platinum Health Insurance Plan, your coverage begins from the first day of the policy, i.e., the policy start date.
While there is no limit on the number of insurance claims you can avail, you can only claim until the end of the sum insured.
Your insurance policy will expire unless you make the renewal on time. It implies that you will be exposed to financial liabilities in case of medical emergencies.
Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet, and is subject to changes.
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