This is a very common question which people ask me. It is a very simple and also very difficult question to answer.
Reason is Rs 1 lakh is sufficient if a person is going for a minor surgery.Assuming he is on holiday in Kashmir or Uttraranchal and it becomes neccessary to bring him in air ambulance.The charges can be Rs 20000/flying hour to Rs 75000/flying hour.
Kidney transplant in a Chennai Hospital costs Rs 25 to Rs 27 lakhs.
It is regrettted that no one has thought for air ambulance charges to be covered under the health insurance policy.Ifthe sum insured is Rs 1 lakh and a person is reimbursed Rs 50000 for surgery but is not reimbursed Rs 150,000 then how a person will feel.
Most probably he will feel cheated.
Tuesday, 6 November 2007
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