Very soon, IRDAI (Insurance Regulatory and Development Authority of India) may remove the provision of 24-hour hospitalization from the health insurance policy, for which the government and IRDAI are discussing this rule.
Because there have been complaints from consumers regarding health insurance that insurance companies reject mediclaim on the grounds of not being hospitalized for more than 24 hours, due to which consumers had to face problems.
But in the coming days, health insurance companies will not be able to reject the mediclaim claim if you are admitted to hospitals for less than 24 hours. At present, insurance companies give mediclaim only when the patient is admitted to the hospital for surgery or treatment for more than 24 hours. But there are chances of this rule being changed and the government has started talks with the insurance sector regulator IRDAI (Insurance Regulatory and Development Authority of India) regarding this. In which NCDRC (National Consumer Disputes Redressal Commission) has also stressed on reviewing the rule of 24 hours hospitalization to avail the benefit of mediclaim.
NCDRC said that in today's changing times, medical treatment has become so advanced that treatment and surgery are completed within a few hours. NCDRC said that claims are not accepted if hospitalization is for less than 24 hours. NCDRC said that now there are many types of treatments which can be completed in less than 24 hours, so health insurance companies will have to keep these things in mind.
The Secretary of Consumer Affairs has also said that keeping in mind the interests of consumers, IRDAI and the Department of Financial Services will be asked to find a solution to this.
Recently, the District Consumer Committee of Punjab and Kerala has passed a historic order regarding medical insurance claims. The District Consumer Commission of Firozpur in Punjab has held the health insurance company responsible for rejecting the medical claim by wrongly citing the admission for less than 24 hours.
Very soon IRDAI will give good news to medical (health) insurance holders.
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