Health Insurance

Choose from a variety of health covers instantly.

Frequently asked questions

While choosing a health insurance policy there are a few things which you should be aware of are:
  • Number of members and relations to be covered- Because this will be the basis of buying policy.
  • Type of coverage – Individual, Family floater or group.
  • Sum insured or coverage amount – Ensure that you consider future expenses too.
  • Room rent – Check for the capping amount or criteria defined if applicable.
  • Sub-limits or co-pay applicable – Check for the sub-limits applicable for some specific list of ailments or package treatments. Also check if the plan has co-pay feature.
  • Network hospital list – Check for the list of network hospitals and try buying a policy which covers your regular hospital.
  • Policy wording – Most important thing to check before buying a policy. In case you are not sure about certain term or condition you can always contact the insurer for clarification.
  • Case 1: When you are hospitalized just before the policy expiry date and have intimated the insurance company about the same before policy lapses (where the policy lapses while you are still in hospital), the company will pay the benefit as per the plan, and its terms and conditions.
  • Case 2: If the policy lapses and you are hospitalized during the grace period, on intimation during the grace period about the hospitalization, the company will pay the coverage as per the plan, and its terms and conditions.
You can make a claim under a Health insurance policy in two ways:

On a Cashless basis: For a claim on cashless basis, your treatment must be only at a network hospital of the Third Party Administrator (TPA) who is servicing your policy. You have to seek authorisation for availing the treatment on a cashless basis as per procedures laid down and in the prescribed form. Please read the policy document as soon as you receive it to familiarise yourself with the process rather than wait for a claim to arise.

Claims on reimbursement basis: Read the clause relating to claims in your policy document as soon as you receive it to ensure that you understand the procedure and the documents required for making a claim on reimbursement basis. When a claim arises you should inform the insurance company as per procedures required. After hospitalisation, you have to ensure that you obtain and keep ready documents such as claim form, discharge summary, prescriptions and bills that you should submit for a claim.