Heatwave Insurance: The summer season has troubled everyone these days. Due to increasing heat and heatwave, cases of heatstroke are also increasing rapidly. People are taking various measures to avoid this, but still they get defeated somewhere or the other. In such a situation, the big question is that if one becomes very ill or gets any infection, then how can one get treatment in such a situation? Can health insurance help in case of heat stroke?

Is treatment of heatstroke possible with health insurance?
According to Money Control, experts have said that if you fall ill due to heatwave, you can get treatment through health insurance. However, there are some conditions for this. In case of heat stroke, this disease is covered under the general health insurance policy. If you are admitted in the hospital, it also includes the cost of room rent, doctor’s fees, tests and medicines.

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What are the terms and conditions of the policy?
Cases of heatstroke increase in extreme heat, and most health insurance policies cover it, although there are some conditions for this. Let us tell you what are the conditions:

• First of all, it is necessary for the patient to be admitted to the hospital. Most policies cover expenses only when the patient has to be hospitalized for 24 hours or more.
• Diagnosis by a doctor is necessary, the report should clearly state that the illness was caused by heatstroke.
• Above all, it is most important for the policy to be active. If the premium is deposited and the policy is in force, you will get a claim.

Claim may be rejected on these things
In case of heat stroke, claims on some important matters may also be rejected. Let us tell you what those things could be.

• If you get treatment only in OPD and are not admitted, the cost of treatment is not covered under many basic policies.
• Sometimes the claim may be rejected due to policy exclusion.
• Even if your documents are incomplete or incorrect, your claim may be rejected. You should have the bill, report and discharge summary.
• Even if you have informed about illness late, the claim may be rejected. Therefore, give timely intimation to the insurance company.

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