When are Diagnostic Tests payable in health insurance in India?

OPD expenses like consultation fees, expenses on medicines, dental expenses are not payable in India, but if:

• You are hospitalized due to findings of the test you took. Also note that the tests are payable only if they are a part of your treatment

• If you require these diagnostic tests as part of the treatment for which you are hospitalized. That is if your doctor ordered some blood tests, x ray tests while your stay in the hospitalization, these are payable.

Note: There may be sub limits on these for example – in National insurance, “Anesthesia, Blood, Oxygen, OT charges, surgical appliance, Medicines, drugs, Diagnostic Material & X-Ray, Dialysis, Chemotherapy, Radiotherapy, cost of pacemaker, artificial limbs and cost of stent and implant. Maximum limit per illness – 50% of Sum Insured.”

To read more such information see Why aren’t Diagnostic Tests Covered in Health Insurance?