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Does Your Health Plan Covers Earthquake Injuries?

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It’s vital to stay prepared with adequate medical insurance to tackle natural disasters like earthquakes. But does a health plan cover earthquake injuries? Read this post to know the answer.

While earthquakes can be devastating, proper building designs and material quality can ensure minimal impact on a building structure during an accident. Still, earthquakes can trigger landslides, avalanches, fires, etc. So, there are possibilities of getting injured if someone gets stuck in an earthquake.

Now, if an individual with active health insurance cover gets injured in an earthquake, will the insurer pay the insurance claim amount as per the health plan? Let’s look into this aspect in detail.

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What is Health Insurance?

Health insurance is an insurance product that provides coverage to the insured for the treatment cost of an illness or injury. The types and scope of coverage and other terms and conditions are clearly mentioned in the policy document of the health plan.

Health insurance cover can be taken for an individual or the entire family. Moreover, you can add critical illness cover as an optional rider by paying an extra premium. You can choose the critical illness rider based on your health plan, depending on your lifestyle, family history, etc.

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Today, you can easily purchase or renew health insurance online from an insurer’s official website. The process is quick, easy, and hassle-free.

Is Health Insurance Applicable for Injuries Sustained in an Earthquake?

A health insurance cover can provide reimbursement to the insured person for 

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  • Emergency care
  • Accidents

Now, injuries sustained from an earthquake can be categorised under any of the above two categories. Therefore, a person can file a health insurance claim against the injuries sustained from an earthquake. You can also avail of cashless claim settlement benefits at any of the network hospitals of your insurance provider.

Does Health Insurance Covering Earthquake-Related Injuries Require Extra Premium?

A general health insurance policy covers earthquake-related injuries by default. Therefore, you don’t need to pay an extra premium or include optional add-ons to get insurance coverage against earthquake-related injuries. However, the premium amount of a health plan can vary depending on the following factors.

  • Number of Insured Persons

The premium amount for a health plan can differ depending on the number of insured persons. So, the premium for a single person would be less than that for a family floater health plan covering spouse, children, or parents.

  • Coverage Amount

The sum insured is a significant factor that decides the premium amount. For instance, you would mostly pay a lesser premium for health coverage of ₹ 5 lakhs compared to a premier plan with a sum insured value of ₹ 25 lakhs.

  • Scope of Insurance Coverage

A health plan’s premium can also differ depending on the scope of coverage. For instance, some low-premium health plans provide basic health insurance coverage. On the other hand, health plans with critical illness coverage, hospital cash allowance, etc., would usually charge a higher premium.

No one can predict earthquakes or other natural disasters. However, a wise person prays for the best but prepares for the worst. So, it’s wise to have adequate healthinsurance cover for your loved ones to stay prepared for any calamities, including earthquakes.

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Heana Sharma: A rising talent, Heana boasts 2 years of versatile content writing experience across multiple niches. Her adaptable skills result in engaging and informative content that resonates with a wide spectrum of readers.

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