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Health Insurance

What is Health Insurance?

The term health insurance is a type of insurance that covers your medical expenses. A health insurance policy is a contract between

Why do I need health insurance?

Health insurance will protect you and your family against any financial risks arising due to a medical emergency. Buying a proper health plan would

What is a ‘cashless’ claim

In a cashless claim the insured is required to intimate the TPA to avail cashless facility. After authorizing it, the TPA directly settles the claim

What is a reimbursement claim?

In a reimbursement claim the insured has to pay upfront for the services of the provider and seek reimbursement from the Insurer for the covered services

Are cosmetic treatments or medical attention for cosmetic purposes covered?

Plastic surgery or cosmetic surgery is excluded unless necessary as a part of medically necessary treatment certified by the attending medical

Do I have to undergo any medical examination?

Medical examination may be required in some cases, based on the sum insured and the age of the person.

Who pays for the medical examination?

The proposed member has to pay for the cost of Pre-Policy Check-up (PPC) with the respective insurer’s empanelled doctor / diagnostic.

What do you mean by Medical expenses?

Medical expenses, means all those reasonable and medically necessary expenses that an Insured Person has necessarily and actually

What do you mean by pre-existing disease or conditions?

By Pre-existing Condition we mean any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were

Will I get cashless at government institutions like AIIMS/TMH/ARMY Referral hospitals?

No, this facility does not extend to government hospitals

If I avail cashless facility, will you pay the entire amount or will I be required to bear part of the bill at the hospital?

Yes, Insurer will pay the entire admissible amount for the medical expenses incurred subject to the sum insured and limits set out as per policy

What is Co-Payment?

Co-payment means a cost-sharing requirement under a health insurance policy that provides that the insured will bear a specified percentage of the

Why should I take a Health Policy if I already have health insurance from my employer, or if my family and I are already covered by my corporate?

Your employer will cover your medical expenses only as long as you are associated with that organization. Tomorrow, you may change your job,

What is Critical Illness?

Illnesses like Cancer, Coronary Artery Bypass Surgery, First Heart Attack (Myocardial Infarction), Kidney Failure, Major Organ Transplant, Stroke,

Why should I buy a critical illness cover?

With rapidly changing demographics and lifestyles prevalence of critical illness is on the rise in India. With rise in life expectancy and chronic nature of

What are the factors that affect Health Insurance premium?

Age is a major factor that determines the premium, the older you are the premium cost will be higher because you are more prone to

Is there an Income Tax exemption on the premium? If yes, under which section and what is the Income Tax exemption limit?

Yes, Premium paid for mediclaim policy is eligible for tax deduction under section 80 D of the Income Tax Act.

What is meant by Donor Expenses?

All hospitalization expenses incurred by the donor for donating an organ (excluding the cost of the organ) to the insured during the course of an organ transplant.

In case of part settlement can an insured claim for the balance amount?

Normally, part payments are made due to deficiency of documents or for expenses which are not covered under the policy. In case of the

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