What is 2nd Medical Opinion in Health Insurance in India?
Second medical Opinion in Health Insurance is critical; almost all insurance companies provide this for selected illnesses. In this article, we discuss the importance of the second medical opinion in health insurance. Insurance companies offer these features as in-built or optional basis
Definition of 2nd Medical Opinion by Insurance Company – Means a procedure whereby upon request of the Insured Person, an independent Medical Practitioner reviews and opines on the treating Medical Practitioner’s recommendation as to care and treatment of the Insured Person by reviewing the Insured medical conditions and history, It does not prevent by the insurer to take another independent medical practitioner by the policyholder’s.
General Terms and Conditions to avail these benefits:
- The benefits under these features will be subject to the geography of the network service provider (Hospital/Diagnostic Centre). Policyholders can be approached directly by the insurance company or can select from the official website / official application of the insurance company.
- This benefit can be availed only once in a policy year by the insured person if the policy is a family floater, then all insured members are eligible for this benefit only once in the policy year.
- The decision of the insured person is completely of their own and can be taken or can not be taken by the insured person. If opted then it is also the complete decision of the insured person whether to follow the 2nd opinion suggestion or advice of take another independent opinion by the insured person by their own cost.
- Availing 2nd Medical Opinion will not impact the sum insured of the policy
Benefits for 2nd Medical Opinion– Primafacie Doctor performed any medical surgery after written consent from the patient / patient’s blood relatives, but most of the surgery does not require to operate at present it can be postponed or fermored some other treatment method.
If you have health insurance it does not mean that any doctor’s suggestion is immediately required for surgery. In Hospitals they have individuals target to perform unnecessary surgeries. Taking my own example where I met an accident in the month of Oct 23, and one of the renewed hospital doctor suggested me for surgery due to heavy pain at my shoulder but taking some other orthopedic doctor private consultation on 2nd medical opinion, he suggested me do not go for any surgery. it will be cured by the some exercise and medications and now it is completely recovered
Conclustion – Doctor is God but not all doctors are, so please take 2nd Opinion from your own even the particular treatment list is not covered in your health insurance policy
