Under what circumstances can I make a claim?

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A claim can be made in the event of planned and emergency hospitalization, both at a network and non-network hospitals, reimbursement of medical expenses allowed in your policy terms and pre / post-hospitalization expenses or expenses related to domiciliary hospitalization. Do check your policy document for exact details of what you are entitled to. Also, if your medical expenses are less than your no claim bonus amount, you might want to consider bearing the bills and claiming the NCB as that is more advantageous in the long run.