Diwali celebrations can sometimes end in painful accidents, with firecracker-related burns, eye injuries and other emergencies resulting in unexpected medical expenses. While health insurance can cover hospitalisation for such injuries, policyholders may still have to pay for certain treatments and consumables from their own pockets.
Regular comprehensive health insurance policies generally cover firecracker-related injuries, accidental burns and eye damage, provided the treatment requires medically necessary hospitalisation or a daycare procedure. However, minor injuries treated through outpatient consultations may not be covered under a standard health insurance policy.
Here is what policyholders should know about health insurance coverage for firecracker injuries, including exclusions, treatment costs and whether buying separate firecracker insurance makes sense.
Does health insurance cover firecracker burns and eye injuries?
Yes. Regular comprehensive health insurance policies cover firecracker-related accidental burns and eye injuries if they require medically necessary hospitalisation or daycare treatment, said Mr. G. Srinivasan, MD & CEO of Galaxy Health Insurance.
However, coverage depends on the nature of the injury and the treatment required.
"For instance, if a firecracker injury is minor, such as a small first-degree burn or superficial eye irritation, and only requires a clinic visit for dressing, ointment or eye drops without hospitalisation, a standard health insurance policy will not cover it," Srinivasan said.
Policyholders can claim such expenses only if they have a specific outpatient department (OPD) add-on.
More serious injuries requiring hospitalisation, including deep burns and significant eye injuries, are generally covered, subject to the policy's terms and conditions.
What firecracker injury expenses will health insurance not cover?
Even when a firecracker accident is covered, policyholders may have to bear certain expenses themselves.
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