Does Health Insurance cover accident broken bones?

Health Insurance and Broken Bones: What’s Covered After an Accident?

What is a bone fracture?

A broken bone is referred to in medical terms as Fracture. A fracture occurs when the physical force applied to a bone is greater than the respective bone’s withstanding capacity. A fracture may also result due to diseases like osteogenesis and osteoporosis, which may weaken the bones eventually are referred as Pathological Fracture.

Having health problems may be financially draining. Therefore, purchasing a health insurance policy that offers financial protection and can pay for medical costs and hospital bills is advisable. It covers both the pre and post-hospitalisation expenses also.

In addition to that, receiving a cashless facility at a network hospital reduces the stress of raising money in critical times when your insurance company settles the bill directly to the network hospital. Before buying a health insurance policy, be careful to understand the terms and conditions of the policy.

Suppose the policyholder is hurt in an accident that results in fractures or bone dislocation. In that case, the sum insured will be paid as mentioned in the policy schedule.

Most Indian health insurance companies cover accidental injuries. It pays for the medical costs incurred due to unintended accidents. The coverage usually includes emergency in-patient hospitalisation expenditures as well as ambulance charges.

In general, every health insurance company provide coverage for the bone fracture if the insured person requires hospitalisation for more than 24 hours.

General features covered in an accident policy

Accidental death – 100% of the Policy Sum Insured is paid out in case of unfortunate death of the insured person. Injury or fracture incurred due to accident is covered from day 1. This is covered in some of our Policies.

Hospital Cash (Illness & Accident) – Daily hospital cash will be provided in some policies if an accident or sickness affects the insured.

Broken Bones - The policy covers in-patient hospitalisation expenses incurred for the treatment of bone fractures.

Burns – Burns incurred due to accidents also become payable under the policy with specific terms and conditions.

Ambulance Expense – This policy covers ambulance charges for transporting the insured person to the hospital.

What is an Accident insurance cover?

The following are some of the areas that accident insurance could pay for:

Injuries occurred by an accident
Associated Medical services
Care in an emergency department
Appropriate diagnostics, including CT scans and X-rays
In-patient hospital expenses.

Intentional injury

No claim will be admissible under this policy if it is determined that the injury to the policyholder was caused either intentionally or self-inflicted.

Injuries due to conflict

No claim under this policy will be admissible if it is found that the policyholder’s participation in a civil or international armed conflict.

Injuries due to adventurous sports

This policy will not cover the claim if it is determined that the policyholder’s injuries resulted from participating in dangerous sports.

Always make sure to choose an accident insurance plan that fits your family’s needs. To help you keep covered from unexpected troubles, find out more about how supplementary accident insurance and your normal health insurance plan operate together.

Other than that, all Insurance plans generally provide coverage for the accident. Star Health Insurance provides exclusive accident cover policies for individuals and families, such as Accident Care Individual Insurance Policy and Family Accident Care Insurance Policy. For more information, visit the Star Health website for many details.