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Decoded: Active line of treatment in health policy

November 18, 2021 / 03:19 PM IST

During the pandemic, there was confusion when some insurers rejected claims saying ‘no active line of treatment’ was followed at hospitals. What does it mean? A health insurance policy pays for hospitalisation expenses, but only if the patient is being actively treated and monitored by a doctor. For instance, it will not cover hospitalisation for diagnostic tests. Similarly, IRDAI-mandated Corona Kavach will pay home-treatment claims, but only if there is a “continuous, active line of treatment with monitoring of the health status by a medical practitioner...”. The Council for Insurance Ombudsmen has identified it as one of the clauses that need “proper interpretation.”

Inadmissible health

Moneycontrol PF Team
first published: Nov 18, 2021 03:18 pm

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