Second Opinion Cover in Health Insurance: Coverage & Benefits

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When it comes to your health, thinking of what suits you the best is always the first priority. We tend to consult a doctor whenever we are feeling blue, but even after following the prescribed diagnosis, our health conditions do not improve. In such scenarios, it is always advisable to get a second opinion. Nonetheless, a second opinion can cost you a hefty expense, as you may have to go through new tests or medicines or repeat the same.

Hence if you are planning to get health insurance or you already have one, consider choosing Second Opinion coverage while buying a health insurance plan. In this article, we will provide you with comprehensive details about second opinions in health insurance.

Why Do You Need Second Opinion Cover in Health Insurance?

In India, every family approaches family doctors for any health problems. Due to immense trust and belief, people blindly trust and follow their diagnosis process without taking a second opinion.

In case of any chronic health issues, you must consult other doctors to get varied views and opinions. Getting different will give you a clear picture of the problem you are facing and the right medical regime to follow. Following a proper regime will help to cut down further massive healthcare expenses.

Family doctors are mainly general physicians. Yes, they can diagnose you and your family for minor health problems, but for major issues, you must consult a specialist doctor. For instance, if you are having a minor headache, your family doctor can prescribe you. However, if the headache becomes an unbearable one, consult a specialist doctor who will find out the root cause of this problem.

What Diseases are Covered under the Second Opinion Cover in Health Insurance?

You can only use this cover for some specific diseases or injuries. Only major or chronic illnesses are qualified for Second Opinion coverage. Thus, before opting for this cover, you must go through the policy terms to get a clear idea about the diseases covered under the Second Opinion cover. Below are a few diseases which usually qualify under this coverage.

Cancer
Last-Stage Lung Failure
Tumour
Paralysis
Heart Valve Replacement
Stroke
Renal Failure
Neuron Disease
Total Blindness
Coma
Third Degree Burns
Major Organ Transplant, etc.

What are the Conditions for Coverage of Second Opinion in Health Insurance?

There are a few conditions, which qualify for Second opinion coverage in health insurance.

The insured person's medical condition must be eligible for inpatient hospitalisation. It means that you have to be hospitalised for at least 24 hours, and your insurer must approve your claim under inpatient hospitalisation.
Second opinions are solely based on medical reports and documents. The coverage would not be given if the doctor only physically examines you.
The insurance company will not be liable for any complications arising due to the second opinion. You would not be allowed to take any legal action against any insurer.

Note: These conditions are subject to vary from one insurance company to another.

What are the Benefits of Choosing ACKO for Second Opinion Coverage in Health Insurance?

As a digital insurance company, ACKO comes with varied facilities and benefits due to technological advancements. From buying health plans to filing claims, you can do all from the ACKO mobile application.

Besides, ACKO health plans come with varied attractive features which make us stand out from other traditional insurance providers. For a better insight, go through the below-listed features of the following ACKO health insurance policies.

Features of ACKO Standard Health Plan

Pre-hospitalisation expenses: Up to 60 days
Post-hospitalisation expenses: Up to 120 days
Sum insured: Rs. 10 lakhs, Rs. 25 lakhs, Rs. 50 lakhs, and Rs. 1 crore
Cashless hospitalisation: 14,300 + hospitals
Deductions on claims: Zero

Features of ACKO Platinum Health Plan

Waiting Period: Zero
Deductions on claims: NIL
Sum insured: Rs. 1 crore and unlimited
Cashless hospitalisation: 14,300+ hospitals
Pre-hospitalisation expenses: Up to 60 days
Post-hospitalisation expenses: Up to 120 days

Features of ACKO Platinum Super Top-Up Health Plan

Critical Illness coverage: Yes
Cashless hospitalisation: 14,300+ hospitals
Sum insured: Rs. 10 lakhs, Rs. 25 lakhs, Rs. 50 lakhs, Rs. 1 crore, Unlimited
Emergency evacuation coverage: Yes
Pre-hospitalisation expenses: Yes
Post-hospitalisation expenses: Yes

Enhance your health insurance by exploring these unique benefits
OPD Cover	Cashless Health Insurnce	Room Rent Limit	Unlimited Sum Insured	Zero Waiting Period

The Bottom Line

Second opinion in health insurance is an ideal way to learn more about your health condition followed by determining the right treatment. Besides, you will get a varied view of specialists who will provide the perfect combination of diagnoses for speedy recovery. Now that you know the importance of Second Opinion coverage in health insurance plans, opt for one today.

Frequently Asked Questions about Second Opinion in Health Insurance

Have a glance at the following commonly asked questions about Second Opinion coverage in a health insurance policy.

Who chooses the physician who will provide my online second opinion?

Usually, the insurance provider has a network of qualified doctors from whom they select a suitable doctor based on factors like specialisation, availability, and expertise relevant to your case. However, you must address this while opting for a Second Opinion cover.

Do all health insurance plans include Second Opinion coverage?

The answer to this question is very subjective as every insurance provider comes with varied covers and features. Thus, go through the terms of your health insurance plan while buying one.

Are there any tax benefits on health insurance?

Yes, in India, health insurance premiums are eligible for tax deductions under Section 80D of the Income Tax Act 1961, providing individuals with tax benefits for investing in health insurance.

How to claim Second Opinion coverage?

Submit the necessary documents to your health insurance provider to claim Second Opinion coverage in India. The ACKO application allows the policyholders to raise claims with a few clicks.

Are consultation fees and diagnosis costs covered under a Second Opinion cover?

Usually, coverage for consultation fees and diagnosis costs get covered under a Second Opinion cover. Although, you must check your policy for precise information about all the inclusions and exclusions.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.