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Does Health Insurance Cover Earthquake Injuries?

Team AckoNov 29, 2022

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.

Does Health Insurance Cover Earthquake Injuries?

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Is health insurance coverage available for injuries from 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.

How to claim insurance for injuries from earthquakes?

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.

How to file cashless claims for injuries from earthquakes at ACKO?

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.

What is cashless insurance?

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. 

Why should I avail cashless health insurance?

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. 

Tips to get a cashless health insurance claim

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.

How is the premium for health insurance that covers earthquake injuries determined?

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.

Frequently Asked Questions

Here are some common questions and answers about health insurance cover for earthquake injuries.

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Can I buy health insurance for earthquake injuries online?

Yes, you can buy health insurance for earthquake injuries online.

What is the eligible age to buy health insurance for earthquake injuries?

The eligible age to buy health insurance for earthquake injuries is at least 18 years.

Can I pay my health insurance premium in instalments?

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.  

What are the major benefits of buying health insurance?

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. 

Will I get more benefits if I buy insurance at an early age?

Yes, the benefits of buying health insurance in the early years are as follows.

  1. Cheaper health plans

  2. In-significant waiting period

  3. Benefits on sum insured.

What things should I consider before buying health insurance for earthquake injuries?

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 does the coverage begin for ACKO Platinum Health Insurance Plans?

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.

Is there a limit on the number of insurance claims one can avail?

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.

What if I do not renew my insurance policy?

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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