Posted by Almost every time we go to the doctor with a problem, they will probably recommend several diagnostic tests before they can identify the issue. These tests are almost always necessary and frequently expensive. Can you submit a claim for reimbursement for these diagnostic tests, though?
Most Common Diagnostic Test
- MRI
- X-rays
- ultrasound
- mammography
- CT scans
- fluoroscopy
- blood samples
- biopsies
The price of these examinations might range from a few hundred rupees to thousands, especially for those who may already be ill or have a sick relative.
It is crucial to verify whether the above-mentioned tests are covered, as well as several other pertinent information, before purchasing any health insurance coverage. These checkups have the drawback that their costs might range from hundreds to thousands of rupees. Thus, you should be aware of these expenditures if you or a member of your family is ill or if you already have an illness.
Will I Get Coverage For The Diagnostic Expense?
Yes. Health insurance policies typically cover the cost of diagnostic testing including X-rays, blood tests, MRIs, and other similar procedures. These are only reimbursed, though, if they are connected to the insured patient’s hospital stay.
This stay must be at least the minimum length specified in the policy, which is typically 24 hours or longer. Other than these, diagnostic procedures recommended for OPD patients are typically not covered by insurance policies. But there are a lot of exceptions to this rule, which are covered later.
How Can I Save Money On Diagnostic Charges?
Whatever the test, it can be very stressful, especially if you’re over 40 or have a large family that depends on you for assistance.
Diagnostic costs are only reimbursed, as we already established if the insured person stays in the hospital for a minimum of one day. Other than these, any additional tests and examinations needed during your OPD appointment won’t be covered.
However, there are alternatives to obtain benefits for diagnostic costs without being hospitalized. Here are some of them:
1)Buying An OPD Cover
This coverage, which allows you to claim expenses other than those incurred while in the hospital, is now included in many health insurance packages in India. Depending on the insurer, these may also include prescription drug prices, fees for diagnostic tests, and expenditures for various medical examinations.
In the majority of health insurance plans with OPD coverage, you can also submit any claims for reimbursement over the term of the policy and save a lot of money on various diagnostic costs.
2)Opting For Preventive Health Checkups
You can choose a preventative healthcare package based on your requirements or the needs of your family. This will enable you to monitor many medical concerns at a reasonable cost and lower your risk of having any difficult-to-diagnose ailment.
When an insured person renews their policy, several health insurance policies in India also offer free preventative health exams.
In addition to another diagnostic testing, these preventative check-ups include lipid profiles, pap smears, pelvic exams, eye exams, cancer screens, heart disease screenings, dental exams, and more.
The type of plan you purchase will determine the precise coverage. According to section 80D of the Income Tax Act of 1961, those under the age of 60 are eligible for tax benefits up to INR 25,000, and seniors are eligible for INR 50,000.
One of the most essential and significant costs a person has to incur is for diagnostic tests. Health insurance plans with OPD coverage, however, make it simple to reduce these costs. Apart from financial advantages like reimbursements, purchasing such health insurance coverage entitles you to a number of tax advantages like exemptions. Spending some of your time wisely will allow you to receive high-quality medical care without having to worry about the cost.