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Air ambulance cover is a health insurance benefit that covers the cost of transporting a critically injured or ill patient to a medical facility by air. This benefit helps you avoid the high air ambulance cost in India and ensures you reach the right hospital on time.
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With Care Health Insurance, the air ambulance cover helps you get quickly flown to a hospital that can give the proper treatment when it’s urgently needed. This ensures you are transported safely and receive appropriate medical care during the flight.
It covers the medically necessary cost of going from one emergency spot to the hospital via air transport during a life-threatening condition. At Care Health Insurance, the add-on benefit covers Reasonable and Customary Charges for transportation from the place of occurrence of a medical emergency of the insured person, to the nearest hospital, or transportation from one hospital to another to provide better medical support to the insured. This coverage is available up to the amount specified in your Policy Schedule.
Choosing a cost-effective Air Ambulance Cover in Health Insurance simplifies healthcare management protection compared to multiple individual policies. At Care Health Insurance, we meet the diverse healthcare needs of every household with some of our best family health insurance plans in India. Here are some of our top-selling the best medical insurance for family:
Including air ambulance services in your health insurance gives you financial and medical readiness for severe emergencies. It ensures you can be swiftly transferred to a higher-care hospital without worrying about the high cost of air ambulance in India.
To be eligible for coverage, certain conditions must be met before an Air Ambulance claim can be approved. Meeting these mandatory requirements helps avoid claim delays and ensures smooth processing.
Your doctor must give a written note confirming that your illness or injury is severe enough to require an air ambulance for safe and urgent transport.
This benefit can be used only if the insurance company already accepts your main hospitalisation claim for the same illness or injury.
The key conditions linked to using the Air Ambulance benefit under your health insurance policy are given in the table. It helps to understand when the service is available and how the claim process is handled.
| Condition | Meaning |
|---|---|
| Planned treatment | A cashless air ambulance is available when your treatment is planned, and your doctor recommends air evacuation, provided the company approves it in advance. During an emergency or planned treatment, a cashless facility is available as per the policy schedule and the hospital’s availability. |
| Reimbursement in Life-Threatening Emergencies | If a sudden, critical emergency forces you to arrange an air ambulance on your own, the company will reimburse the cost in accordance with the policy terms. |
| Hospitalisation Claim must be approved | This benefit applies only when your hospitalisation claim for the same illness or injury is accepted. |
For more information: What is deductible in health insurance?
To get your air ambulance claim approved, you must share the required details and documents with the insurance company.
You must send all the necessary information and documents as soon as possible, and no later than 30 days from the date of the emergency.
Submitting the right documents helps your air ambulance claim get processed quickly. These proofs confirm medical necessity, travel details, and the air ambulance cost you incurred.
| Document Type | What You Need to Submit |
|---|---|
| Medical Necessity Proof | A doctor’s prescription and medical report that clearly mentions your name, treatment details, and a statement confirming why an air ambulance was necessary. |
| Transportation Reports | Medical reports and transport details issued by the air ambulance service provider. |
| Financial Proof | Bills and receipts for the air ambulance expenses you paid. |
Care Health Insurance provides extensive emergency coverage, including Air Ambulance Cover, to help you manage high air ambulance costs in India with ease.
Choose Care Health Insurance for dependable coverage designed to protect you in real medical emergencies.
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
Health Insurance
Services must be offered by a Hospital or by an Ambulance service provider.
You can use the benefit during a medical emergency when your doctor confirms that urgent air transport is medically necessary, or when you need a hospital-to-hospital transfer for advanced treatment.
Yes, many comprehensive health insurance plans, including Care Health Insurance, offer Air Ambulance Cover that helps reduce or entirely cover air ambulance charges in India, depending on your policy terms.
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Ultimate Care: UIN - CHIHLIP25044V012425
Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of Dec'24
^10% discount is applicable for a 3-year policy
#Premium calculated for an individual (Age 26) for sum insured 5 Lakhs in Zone 2 cities with Ultimate Care Policy.
^^Number of Cashless Healthcare Providers as of Feb 2025
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