Do Hospitals Hike The Bills If You Have Health Insurance?


When you go to a hospital for treatment, the first question is whether you have health insurance. Which is why it is important to know what is health insurance. During a medical emergency, the health insurance plan pays for hospitalisation* expenses. The insurance company pays for your hospitalisation* expenses when you have health insurance.

Health insurance is of two types:

  • Reimbursement
  • Cashless

In the case of reimbursement, you must bear the medical expenses, which are reimbursed when the medical bills are submitted. In the case of cashless claims, on the other hand, the insurance company settles the bills directly with the hospital.

The claim will be denied if the insurance company believes that a particular treatment or procedure was not medically necessary. If the person has health insurance, hospitals can perform medical treatments that are necessary without having to wait.

Advice: Use an online health insurance premium calculator to evaluate the price of your premiums, based on your needs. This will help you find affordable deals and set your premiums based completely on your requirements and add-ons.

Patients and their families are at ease because they believe the insurer will cover the hospitalisation* costs. They are, however, they still need to pay for the deductibles in their policy as per the specified policy terms.

How to reduce your hospital bill with your health insurance?

Here are a few tips you might find helpful if you wish to reduce your hospital bills with the help of your health insurance:

  1. Waive off your room rent

One of the major components of your hospital bill is the room rent. If you were to recuperate in a general room, the rent would be lower. However, if you were to get treated in a deluxe room, the rent would be higher. This is because it bcomes an additional charge on the rent apart from doctor fees, medical tests, etc. With the room rent waiver add-on in your policy, you can increase the room rent limit that your insurer has implemented. This allows you to choose the room of your choice to rest and recover*.

  1. Opt for pre- and post-hospitalisation cover

Before the need for hospitalisation arises, there are a few medical tests that might be required to confirm the condition. For example, if it’s an ailment related to the kidney, there are various tests that are required to be conducted before the diagnosis is done and hospitalisation is required. Considering the cost of these tests, it can benefit you to opt for a policy that extends its health cover to pre- and post-hospitalisation expenses*.

  1. Get treated at a network hospital

Your insurer might have tie-ups with different hospitals in various locations. This can benefit you as these hospitals have the provision of cashless claims. This means when you get treated at a network hospital, the bill is paid directly by your insurer, thus not requiring you to pay a single penny*.

  1. Take advantage of free check-ups

A benefit often overlooked by policyholders is the free check-up offered under medical insurance. If you require periodic medical check-ups as prescribed by your doctor, you can have their expenses covered with the help of your insurance*.

This way you can ensure that your hospital bill remains under control at the same time enjoying the full benefits of your health insurance policy.

‘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.‘

Tax benefit is subject to change in prevalent tax laws

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply

(* Standard T&C Apply )