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 ?
Some health insurance providers offering overseas benefits such as outpatient treatment, planned hospitalization, second opinions and coverage for unexpected sickness […]
Most companies offering health insurance in India do not cover mental illnesses. In fact, they are listed under permanent exclusions.
In a health insurance policy, the premium is calculated based on the sum insured, a number of people to be
Sum insured is the amount of health insurance cover taken by the insured, after paying the premium. If the policy
A TPA or Third Party Administrator is an independent entity for processing medical claims and cashless services. They offer policyholders
At the time of discharge after cashless facility is used, your original bills and discharge certificate will be retained by
For treatment in a non-network hospital, your reimbursement will be based on your policy terms and conditions. Important things to
Yes, you can change hospitals during treatment especially if it means better treatment and services, but inform your TPA first
Insurers usually settle health insurance policy claims within 5-7 days from the date of filing the claim provided all the
For new policies, there is a 30-day waiting period from the date of policy inception. During this period, the insurance
A cumulative bonus is the enhancement of sum assured by a percentage for every claim free year. To avail cumulative
In most cases, partial payments are a consequence of incomplete documentation or claims not covered in the health insurance policy.
Yes. When you get treatment in a hospital not included in the network, depending on terms of your health insurance
Yes, almost all health insurance policies include cashless treatment. With some public sector general insurance companies you can get discounted
Cashless facility refers to hospitalization in a network hospital where insurer settles claims directly with the hospital. You do not
You can register a claim under a health insurance policy as a cashless claim or a reimbursement claim. If it
In the event that you are in a medical emergency and do not have your health card or policy number,
The procedure for claiming for emergency hospitalization involves the following steps: admission into hospital, informing TPA as quickly as possible,
Section 64 VB of the Insurance Act, 1938 states that no insurer shall assume any risk until the premium is
Donor expenses are hospital expenses borne by the donor donating an organ towards the insured during an organ transplant. This
