The main reason for health insurance policy is protection against medical expenses However, the insurer may deny your claim: • If you have a pre-existing disease not disclosed when the policy was issued. • Incomplete…
Multiplier benefit becomes effective for every claim free year when you receive a bonus on the basic sum insured for each such year. This can be accumulated up to 100%. If there is a claim,…
Hospitalization expenses incurred in the 30 days immediately following the effective date of commencement the health insurance policy cover is called the first 30-day exclusion. These expenses cannot be claimed from the insurer. Exceptions are…
Inform the insurance company/TPA right away with the necessary details to establish your identity to begin the process of issuing a new card. Medical fraud and identity theft are major crimes and to minimize the…
If the hospitalization charges exceed the authorized limit, the network hospital can appeal for enhancement of limit with detailed reasons for the increase over the original limit. This will be verified by the insurer for…
Yes. Appeal for reconsideration within 15 days. See policy terms and conditions for specific information.
If you do not use cashless facility, submit your claim within 15 days from the date of discharge from hospital. Refer to policy terms for exact procedure.
Copayment is that part of the claim which the policyholder will bear if there is a claim. This is advantageous in terms of lowering the premium. The premium discount depends on the copayment ratio between…
Individual policies are purchased by an individual directly from the insurance company and the individual is the policyholder. In group cover, the group which is usually the employer is the policyholder and interacts with the…
The insurer’s network of hospitals that offer cashless treatment for the insured’s convenience and this list of hospitals does not include army or army referral hospitals or government hospitals. Make sure you get the full…
