The convalescence benefit is a significant aspect of health insurance that the majority of us are not aware of. We explain everything you need to know about the convalescence benefit of Health Insurance in this article.

What is the benefit of convalescence?

In the context of health insurance, convalescence refers to the duration of illness recovery. It is a helpful addition because it makes up for the income you lose while in the hospital.

This benefit is offered by numerous health insurance carriers. However, because it makes up for the income loss resulting from prolonged hospitalisation, policyholders may need to pay more attention to the coverage and claim.

The insurance affirms that since you can occasionally need a lengthy period of time (8–10 days) to recuperate, which invites unexpected medical costs and income loss, the convalescence coverage covers it.

Where can you apply for convalescence benefits?

It’s possible that not all health insurance plans include the convalescence benefit. You need to view the relevant papers and confirm them with the insurance provider. You can also purchase it as an add-on by asking your online health insurance company for it.

What amount of convalescence benefit is available?

Depending on the number of days specified in the policy, you may be able to make a claim for the benefit. For instance, if your health insurance plan indicates that you would receive the convalescence benefit if you are hospitalised for ten days or longer, you can only submit a claim if you stay in the hospital for ten days. If you recover in less than five days, you are not eligible for the benefit. *

When am I eligible to receive convalescence benefits?

This benefit should be mentioned in the policy statement for your coverage. You might not be able to file a claim if it is not disclosed or is included in the exclusions. However, it is available for purchase as an add-on. The insurer’s terms and conditions will then be in effect. The policy agreement also specifies the number of days after which you are not eligible to enjoy this benefit. *

For instance, if you are only hospitalised for five days and the benefit kicks in after ten days, you cannot receive this benefit. Therefore, study the health insurance policy document carefully to comprehend the convalescence benefit rules. You can then simply receive this benefit in addition to the hospitalisation cashless health insurance claim. *

Here is an illustration to assist you in better comprehending the policy.

Ms. A, a sales representative, is in the hospital after an unfortunate incident. She receives prompt medical attention, and the physicians advise her to stay in the hospital for at least 15 days to rest. She is unable to report to work as a result, which results in lost revenue. To make up for this loss of income, she receives convalescence benefits from the medical provider. Because she spent more than a week in the hospital, she qualified for health insurance benefits. *

Things to consider when purchasing a health insurance convalescence benefit

Before choosing your health insurance plan’s convalescence benefit, you should be aware of the following.

  • Depending on the terms and conditions stated in the health insurance policy, the benefit is available for 7–10 days following hospitalisation.

  • The benefit is offered to individuals and may be included in group insurance plans.

  • The benefit also covers the price of hospital visits by family members. To further comprehend what is covered, you can review the policy paper.

  • You can choose an add-on by contacting your online health insurance service provider if the benefit is not covered by the insurance plan.

  • Over and beyond any incurred medical costs is the convalescence benefit. A “Recovering Benefit” is another name for it. *

 

 

* Standard T&C Apply

 

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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