There is good news for people who have health insurance. Now, it is not necessary to be admitted to the hospital for 24 hours to get an insurance claim.
Many insurance companies now allow claims even if the patient is hospitalized for just 2 hours.
The rule of 24-hour hospitalization is no longer compulsory in many cases. New insurance policies offer claims even for shorter hospital stays like 2 hours.
These changes have been made because of advancements in medical technology and faster treatment methods.
Earlier, treatments like cataract surgery, chemotherapy, or angiography required an overnight stay in the hospital. But now, such procedures are completed in just a few hours.
What’s New in Health Insurance?
Siddharth Singhal, Head of Health Insurance at Policybazaar, said that many companies now provide claims for 2-hour hospitalizations.
This change reflects how insurers are updating their policies to match modern medical practices.
These short hospital stays are fully covered, with no extra conditions or hidden clauses. Whether it’s a minor or major treatment, the coverage remains strong.
Which Policies Offer This Benefit?
Here are some health insurance plans that cover 2-hour hospitalizations:
ICICI Lombard – Elevate Plan
₹10 lakh cover with a premium of around ₹9,195 per year (for a 30-year-old).
Care – Supreme Plan
₹10 lakh cover with a premium of about ₹12,790 annually.
Niva Bupa – Health Insurance Plans
₹10 lakh cover with a premium close to ₹14,199 per year.
Why Is This Important?
Today, many treatments are finished within 2 to 3 hours.
Earlier, if hospitalization was less than 24 hours, claims used to be rejected. Now, that’s no longer the case.
This update offers financial protection to common people and removes delays in taking treatment decisions.
Now, whether it’s a small procedure or a major one, your health insurance will support you—even if you’re admitted for just 2 hours.
If you haven’t updated your policy yet, it’s a good idea to talk to your insurance advisor and learn more.
