sum insured under the two polices. Suppose you have a group medical policy and a personal mediclaim of R2 lakh each, and you make a claim of R1 lakh, then you will be paid R50,000 from each policy.
How do I get a insurance cover for post-operation medical cost?
— Gopal Saxena
Most health insurance policies provide post-hospitalisation cover as part of the policy benefits. This means that the health insurance policy will take care of treatment expenses after discharge from the hospital. Certain policies also cover domiciliary treatment as an additional coverage. Generally, health insurance policies cover post-hospitalisation expenses for a period ranging from 30 days to 90 days after discharge. You should check with your insurance company regarding availability of post-hospitalisation cover and the duration for which the treatment expenses will be considered.
* The writer is executive director, ICICI Lombard
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