Almost all indemnity-based health insurance plans offer a cover for the expenses incurred on an ambulance service for the transportation of an insured individual to the nearest hospital or from hospital to hospital. Ambulance cover though common depends on the sum insured or a predefined amount. Generally, health insurance policies offer ambulance cover up to INR 2,000 per claim, however, this amount can also go up to INR 20,000 in case of a more comprehensive policy with a high sum insured. If your health plan does not offer ambulance cover, you can also include it as an add-on.
Here’s a quick look at a few of the most popular health insurance plans from Bajaj Allianz, Aditya Birla, and Care Health that come with an ambulance cover.
Insurance Plan |
Ambulance Cover |
Care Family Health Insurance Plan |
Up to Rs. 5,000 (dependent on sum insured) |
Care Health Insurance for 45+ |
Up to Rs. 2,000 |
Care Plus - Youth Health Insurance Plan |
Up to Rs. 2,000 |
Bajaj Allianz Extra Care Plan |
Up to Rs. 3,000 |
Bajaj Allianz Health Infinity Plan |
Up to Rs. 5,000 |
Bajaj Allianz Health Guard Plan |
Up to Rs. 20,000 |
Aditya Birla Activ Health Platinum Enhanced |
Up to the actual expense (in case of network hospitals)
Up to Rs. 5,000 (in case of non-network hospitals) |
Aditya Birla Activ Assure Diamond |
Up to Rs. 5,000 (dependent on sum insured) |
Aditya Birla Activ Care |
Up to Rs. 2,000 |
There are other health insurance covers like OPD cover, Ayush cover, Room Rent Waiver, but ambulance cover a very important feature of a health insurance plan since it compensates you financially for the expenses that you incur for transporting yourself to the nearest hospital. While some health insurance plans provide ambulance cover as part of the base plan, others might require you to opt for an optional add-on to receive this benefit. Therefore, this is something that you should keep in mind when purchasing a health insurance plan.
Yes. There are two different types of ambulance covers that you can opt for - an emergency ambulance cover and a comprehensive ambulance cover. The emergency cover provides financial compensation only when you avail an ambulance during an emergency situation. A comprehensive cover is for both emergency and non-emergency situations.
While some health insurance plans provide coverage for the cost of an ambulance in their base policy itself, others require you to opt for an optional ambulance cover above your base health insurance plan.
Yes. Almost all insurance service providers limit the coverage under the ambulance cover. For more information on the limit, make sure to read through the terms and conditions of the health insurance plan that you’ve opted for.
No. To claim the ambulance cover, you should make use of an ambulance that’s from a registered healthcare provider or from a registered ambulance provider.
Some health insurance policies allow you to avail the cover more than once in a given year, while others don’t. Therefore, it is advisable to read through the terms and conditions of the health insurance plan to determine whether you can make use of it more than one.