What is Ambulance Cover in Health Insurance?

Considering the fact that an accident, a disease, or an ailment can strike you at any time, possessing a health insurance plan that protects you from such unpredictabilities is critical. And just like how important it is to ensure that the expenses in connection with hospitalisation and treatment are covered, it is equally crucial to make sure that the transportation charges to a hospital is also covered. Here’s where an ambulance cover can help. Continue reading to know all about it.

What is an Ambulance Cover?

Ambulance cover provides financial compensation for the transportation costs incurred by a health insurance policyholder to get to the nearest hospital for treatment. However, there’s usually a limit to the amount of coverage offered by the ambulance cover insurance.

Also, there are two different types of ambulance covers that you can opt for - an emergency cover or a comprehensive cover. An emergency cover provides financial compensation for ambulance services availed only during emergency situations. A comprehensive ambulance cover, on the other hand, provides financial compensation for ambulance services availed during both emergency and non-emergency situations.

Road and Air Ambulance Cover in Health Insurance

Now that you know what an ambulance cover is, let’s take a look at how road and air ambulance covers work.

When a policyholder who has included an ambulance cover as part of their health insurance gets injured during an accident or faces any other emergency health situations like a heart attack, they can simply avail the services of an ambulance for transporting themselves safely to a hospital for treatment.

Since they have the cover, the cost that they paid for availing the road or air ambulance service out of their pocket, can be claimed as a reimbursement from the insurance service provider. The reimbursement that they receive from the insurer would be subject to the limits specified under the policy.

To be eligible to avail this cover, you would have to satisfy a couple of conditions. Firstly, the ambulance that you used to transport yourself to a hospital is required to be from a registered healthcare service provider or a registered ambulance service provider. And secondly, you will also need to produce a certificate from the medical practitioner treating you, certifying the need for an ambulance for transportation.

Health Insurance Plans by Bajaj Allianz, Aditya Birla & Care Health with Ambulance Cover

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.

Conclusion

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.

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