How to use your health insurance in case of an emergency?

Health insurance is a very important asset in the present world. The increasingly
hectic lifestyle makes people susceptible to many different health problems which
may lead to a medical emergency at any time. The right health insurance policy
covering the policyholder’s needs can be a big boon in such a time. So, it is very
important to know how to use your health insurance in such a case of emergency.
In this article, we discuss how to do the same:

• Firstly, in case of a medical emergency, it is important to find a hospital.

There are hospitals affiliated with various health insurance companies. The
buyer or his family can opt for one of these hospitals or decide to opt for a
nearby hospital due to the emergency. The biggest advantage of opting for
an affiliated hospital is that the policyholder will get cashless treatment,
which can be very crucial during the time of an emergency. Some insurance
policies also offer ambulance cost cover that would cover for the cost of
 the ambulance which can be very useful as it allows the person to get
expert & specialist care while en route to the hospital.

• The health insurance policies offered nowadays also protect the buyer
from any emergency that happens during travel! If the buyer is on a holiday
and encounters any unfortunate medical emergency, the policies cover the
buyer in such a scenario. The network of affiliated hospitals spread across
the country help the buyer in such a situation.

• There can also be a situation where a person has to travel from one city to
another nearby city to get medical attention. Some insurance companies
provide for this need by providing ‘Emergency air ambulance cover’ that
would cover the air ambulance charges in the event of hospitalization.

• There is also a possibility of a policyholder facing a medical emergency

while travelling in a foreign country. But he doesn’t have to worry in such a
situation! The health insurance policies do provide an add-on cover called
‘Worldwide emergency hospitalization cover’ that will provide protection to
the buyer in such an event so that he doesn’t have to incur the financial
burden of healthcare in a foreign country. This can be even more of a
burden when the person is travelling in a country whose currency is more
powerful than that of India. This is why this cover is a useful addition for
people who frequently travel overseas and have more chances of
encountering a medical emergency there. This protection cover can be
purchased by paying some additional amount for premium but is totally
worth it considering the protection it provides.
So, as we saw in this article, buying a health insurance is very helpful in case of a
medical emergency and can sometimes make a crucial difference between a
person getting quick treatment or not. We hope this article was helpful to you
and convinced you to buy a health insurance that would make you stop worrying
about any medical emergency of any kind in future. Have a great day!