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Health insurance covers car accident


7 replies to this topic

#1 KhushiKhurana

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Posted 12 October 2015 - 07:38 PM

My friend had an accident 15 days ago, So is it possible for his health insurance company to cover injuries from a car accident.



#2 MedChitChat Team

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Posted 13 October 2015 - 09:55 AM

normally the accidental insurance is not covered by the health insurance policies and covered by accidental insurance policy. You need to contact you health provider if there is any clause to put the accidental claims also in your health insurance.


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#3 RanchiR

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Posted 13 October 2015 - 12:22 PM

Dear KhusiKhurana,

Yes. The health insurance policy would cover the injuries related to accident with conditions like:
* The health insurance plan covers injuries resulting from an accident i.e. it is not a critical illness benefit plan.
* Your friend need to be hospitalized for more than 24 hours due to injuries resulting from the accident.
* If your friend were not violating motor laws like e.g. driving under the influence of alcohol,etc.

So all this factors need to be consider before claiming for accidental cover.
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#4 KhushiKhurana

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Posted 13 October 2015 - 12:26 PM

normally the accidental insurance is not covered by the health insurance policies and covered by accidental insurance policy. You need to contact you health provider if there is any clause to put the accidental claims also in your health insurance

 

Thanks you for the valuable reply. Will definitely tell my friend to contact his health provider for more details.



#5 KhushiKhurana

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Posted 13 October 2015 - 12:31 PM

Dear KhusiKhurana,

 

Yes. The health insurance policy would cover the injuries related to accident with conditions like:

* The health insurance plan covers injuries resulting from an accident i.e. it is not a critical illness benefit plan.
* Your friend need to be hospitalized for more than 24 hours due to injuries resulting from the accident.
* If your friend were not violating motor laws like e.g. driving under the influence of alcohol,etc.

 

So all this factors need to be consider before claiming for accidental cover.

 

Thank You so much @RanchiR will definitely look after all the clauses before claiming for accidental coverage. Again would like to thank you for the useful information.



#6 Guest_wasim_*

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Posted 15 May 2017 - 02:13 PM

Yes health insurance cover injuries from car accident, just follow the normal claim procedure and also you need to read their policies before choosing a insurance plan. 



#7 azizkhan3083

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Posted 21 June 2017 - 02:12 PM

Yes it would be covered , also please go through the policy document properly, because there might be a chance your policy has a accidental cover attached as a rider which would give you an additional lump sum amount apart from your treatment cost. 



#8 Guest_hiren mac_*

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Posted 17 July 2017 - 02:36 PM

Yes. The health insurance policy would cover the injuries related to accident with conditions like:

* The health insurance plan covers injuries resulting from an accident i.e. it is not a critical illness benefit plan.
* Your friend need to be hospitalized for more than 24 hours due to injuries resulting from the accident.
* If your friend were not violating motor laws like e.g. driving under the influence of alcohol,etc.

 

So all this factors need to be consider before claiming for accidental cover.





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