Is there any Waiting Period for claims under a policy?
For new policies, there is a 30-day waiting period from the date of policy inception. During this period, the insurance […]
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What is cumulative bonus? What is the maximum claimable?
A cumulative bonus is the enhancement of sum assured by a percentage for every claim free year. To avail cumulative
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What if I have an emergency and have to rush to a hospital not covered in the network? Will I get reimbursement?
Yes. When you get treatment in a hospital not included in the network, depending on terms of your health insurance
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What is cashless facility?
Cashless facility refers to hospitalization in a network hospital where insurer settles claims directly with the hospital. You do not
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What is the procedure for making a claim?
You can register a claim under a health insurance policy as a cashless claim or a reimbursement claim. If it
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Suppose I have a health emergency and cannot remember my health card number or policy number. What happens?
In the event that you are in a medical emergency and do not have your health card or policy number,
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What is the procedure for claim for emergency hospitalization?
The procedure for claiming for emergency hospitalization involves the following steps: admission into hospital, informing TPA as quickly as possible,
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Does a health insurance policy cover outpatient expenses?
Many health insurance policies require 24 hours mandatory hospitalization. However, there are several companies covering Out Patient Department or OPD
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What is a deductible?
Deductible is the percentage of sum insured borne by the insured as stated in the policy schedule. It is a
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Is there a situation where the minimum 24 hours condition for hospitalization does not apply?
The minimum 24 hours condition for hospitalization does not apply if the treatment requires hospitalization with procedures that need specialized
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Do health policies have riders and benefits?
Yes. Depending on the insurance company, a number of riders and benefits are offered for added health cover. The major
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What is health insurance? Is it the same as Mediclaim?
Although both Health insurance and Mediclaim protect against medical expenses, health insurance is more comprehensive and offers greater flexibility. Health
Why every woman should have a health insurance policy
A woman holds an important role in her home. In India, the government and society give importance to education for