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Insurance Faqs
Faq

Will the Insurance Company cover for domiciliary hospitalization (treatment at home)? :

When the condition of the patient is such that she/he cannot be moved to the hospital or when there is no bed available in any of the hospitals, the treatment is administered at the patient's home. Importantly, the treatment is reimbursable under the health plan only if the treatment is...
Faq

Are all the tests prescribed by the doctor at a hospital reimbursed under the Health Insurance Plan? :

Expenses incurred at a hospital or a nursing home for diagnostic purposes such as X-rays, blood analysis, ECG, etc. will be reimbursed if they are consistent with or incidental to the diagnosis and treatment of the ailment for which the policy holder has been hospitalized. In any other scenario,...
Faq

If a claim has been made for a particular ailment, does it become a pre-existing disease for the next policy term? :

An ailment for which a claim has been made already does not become a pre-existent disease if there is no break in the term of the insurance policy and it is renewed by the due date. However, the ailment becomes a pre-existent disease and exclusions will apply in the event there is a break in the...
Faq

Why do I need health insurance? :

Health insurance will protect you and your family against any financial contingency arising due to a medical emergency.
Faq

Does a higher cover guarantee better protection? :

A higher cover protects you from a medical emergency which can turn out to be a tremendous financial setback. Rising medical cost is a major deterrent; therefore, a higher cover would guarantee you a better protection.
Faq

What all documents do I need to Furnish to get a Health Insurance? :

You need to fill up an Application form with accurate medical history along with address proof. The company will get your medical test done according to the company policy.
Faq

Can I get Health Insurance for my entire family by paying one premium amount? :

Yes, each and every company selling Health Insurance has different schemes to fulfill all your health Insurance requirements.
Faq

Do I get an Identification Card? :

An identification card is issued along with the Policy. This card would entitle you to avail cashless hospitalization facility at any of the network hospitals.
Faq

How can I renew my health insurance policy after one year? :

The Insurance Company would send you a renewal notice informing you of the expiry of your health policy.
Faq
Faq

Which medical tests do I need to go through? :

Which medical tests do I need to go through?These are a common list of medical tests that you might have to go through. The test can differ from one company to another. 1. Complete Blood count2. Fasting Blood Sugar3. ESR4. Serum Creatinine5. SGPT6. Urine Routine7. ECG8. Medical Examination with...


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