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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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Can my health insurance claim be denied?

November 17, 2015 PolicyAdvisor 0

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 […]

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What is multiplier benefit?

November 17, 2015 PolicyAdvisor 0

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 […]

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What is first 30 day exclusion?

November 17, 2015 PolicyAdvisor 0

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. […]

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What happens if the health card is lost?

November 17, 2015 PolicyAdvisor 0

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 […]

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If the hospitalization charges are more than the authorized limit, what happens?

November 17, 2015 PolicyAdvisor 0

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 […]

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If a claim is rejected, can I appeal for reconsideration?

November 17, 2015 PolicyAdvisor 0

Yes. Appeal for reconsideration within 15 days. See policy terms and conditions for specific information.

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Suppose I don’t use cashless facility how much time do I have to submit the claim

November 17, 2015 PolicyAdvisor 0

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 […]

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What is copayment?

November 17, 2015 PolicyAdvisor 0

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 […]

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What are the differences between individual health insurance and group cover?

November 17, 2015 PolicyAdvisor 0

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 […]

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Are government and army hospitals listed in the network of hospitals?

November 17, 2015 PolicyAdvisor 0

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 […]

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