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health insurance questions

Do you have a lot of questions & confused about Health Insurance Policy in India? Are you confused about rules & regulation related to Mediclaim Insurance policies ?

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Does a health insurance policy cover outpatient expenses?

November 16, 2015 PolicyAdvisor 0

Many health insurance policies require 24 hours mandatory hospitalization. However, there are several companies covering Out Patient Department or OPD expenses via the base Mediclaim […]

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What is a deductible?

November 16, 2015 PolicyAdvisor 0

Deductible is the percentage of sum insured borne by the insured as stated in the policy schedule. It is a cost sharing requirement in health […]

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Is there a situation where the minimum 24 hours condition for hospitalization does not apply?

November 16, 2015 PolicyAdvisor 0

The minimum 24 hours condition for hospitalization does not apply if the treatment requires hospitalization with procedures that need specialized arrangements in hospitals. In addition, […]

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Can I get income tax benefits and exemptions for health insurance premium?

November 16, 2015 PolicyAdvisor 0

Yes, health insurance policies come with attractive income tax deduction/exemptions under Section 80D of the Income Tax Act, provided you pay the premium by cheque […]

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When I renew my policy will I get a discount?

November 16, 2015 PolicyAdvisor 0

Some health insurance policies come with renewal discount on the premium if no claims have been made during the policy term. This discount can be […]

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Do mediclaim policies have exclusions? Does this differ from year to year?

November 6, 2015 PolicyAdvisor 0

Yes. It is important to be aware of all your policy inclusions and exclusions. Some common exclusions are: Pre-existing diseases – these have a lock-in […]

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Can I go in for more than one health policy? How does the claim process work for this?

November 6, 2015 PolicyAdvisor 0

You can have more than one health policy from the same insurer or different insurers. However, you must disclose any existing policy before applying for […]

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Is it possible to cancel my policy? Will I get my premium back?

November 6, 2015 PolicyAdvisor 0

Though not generally advisable, insurance policies can be cancelled at any time by letting the insurer know, in writing. The insurer may retain a portion […]

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Why is there a waiting period for maternity coverage?

November 6, 2015 PolicyAdvisor 0

Health insurance companies have a compulsory waiting period of 2-4 years for maternity coverage mainly because maternity is a natural occurrence and not a sickness. […]

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Is IVF covered in health insurance policies with maternity benefit?

November 6, 2015 PolicyAdvisor 0

No, health insurance policies that offer maternity benefits do not cover IVF. Always check and compare health insurance plans before signing up.

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