Author name: PolicyAdvisor

Yes. It is important to be aware of all your policy inclusions and exclusions. Some common exclusions are: Pre-existing diseases

You can have more than one health policy from the same insurer or different insurers. However, you must disclose any

Though not generally advisable, insurance policies can be cancelled at any time by letting the insurer know, in writing. The

Health insurance companies have a compulsory waiting period of 2-4 years for maternity coverage mainly because maternity is a natural

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

Maternity insurance is generally available as a rider to the main health insurance policy. It covers medical expenses for cesarean

Top up policies basically offer indemnity and reimburse expenses. They will not apply for critical illnesses as it is a

Certainly. You can buy your main policy from one insurer and your top up plan from any other insurer. Just

Many insurers offer a top up facility on health insurance policies to allow enhanced benefits on existing policies. However, sum

Yes, some insurers allow you to migrate from a family floater plan to an individual plan based on your application

If the insured person dies, within 30 days, surviving members can opt to continue the family floater policy on condition

A family floater policy offers cover for the entire family under a single plan. It takes care of medical expenses

Hypothecation only applies to assets and security. A health insurance or personal accident policy’s purpose is to reimburse your medical

The health card is issued with the health insurance policy and is like an identity card with contact info of

No claim bonus is the discount on base premium when no claim has been made on the policy during the

Some insurers allow this benefit, so check your health insurance policy for the details. You may call the toll-free number

Health insurance companies allow you to add critical illness rider to your existing policy at the time of renewal, provided

Yes. Get your own health insurance plan. Your employer will reimburse your medical bills only as long as you are