FAQ ON HEALTH/MEDICAL INSURANCE INDIA
- Why there is no hypothecation on Health and Personal Accident policies.
- What is Health Insurance/Mediclaim?
- Why do I need Health Insurance?
- What are the salient features of this policy?
- I am 37 years old and have a family floater mediclaim policy for myself, spouse and 2 year old kid. Kindly tell me which insurance company provides roll over of family floater health insurance/mediclaim from any other insurance company.
- In case of family floater health insurance what happens if the primary insured person expires? Can the policy be renewed by any of the surviving members of the policy? Also, As my age increases can i migrate from family floater to individual plan?
- What is the procedure for change of address for medical insurance?
- What are the things to look for while choosing a health insurance plan?
- I am already having health insurance and want to increase sum insured,what should i do.
- I am looking for a single health insurance floater policy which can cover my parents or in laws too?
- I have sent in the filled proposal form and paid for my health insurance policy. When will I receive my policy document and health cards?
- As not all the companies provide top up cover, is it possible to buy a main policy from one company and buy the top up from some other company? Also, If main policy covers the critical illness, will the top up cover it too?
- When we buy a health insurance policy from your website, will we get a cashless card? How can I know which network hospitals are covered under my policy?
- Is maternity covered in health insurance policies?
- Can I cancel my policy and if yes will I get my premium back?
- Can a person have more than one Health policy?
- Enlist some of the important exclusions under mediclaim policy.
- What are first year/ second year exclusions?
- Do I get a discount on renewal of the policy with the same company?
- What is Cumulative Bonus?
- Is there an Income Tax exemption on the premium? If yes, under which section and what is the Income Tax exemption limit?
- What is meant by Donor Expenses?
- What are Pre-Existing Diseases?
- What is meant by Pre and Post hospitalization?
- What is Domiciliary Hospitalization?
- What are the expenses covered under Hospitalisation Expenses?
- What are the circumstances under which the condition of minimum 24 hrs hospitalization does not apply?
- What is covered under Hospitalization Benefit?
- What if I don’t remember my Card Number and Policy Number and I am in an emergency situation?
- What is the information one needs to furnish while intimating a claim?
- What are the situations under which one may be denied cashless hospitalization?
- How does one get Reimbursements in case of treatment in non- network hospitals?
- What is the procedure to get Reimbursement in case of planned hospitalization?
- What is the procedure to get Reimbursement in case of emergency hospitalization?
- How can I check the status of my claim?
- In case of part settlement can an insured claim for the balance amount?
- Can any claim be rejected or refused?
- Will I get the entire amount of the claimed expenses?
- Will the medical costs be reimbursed from day one of the cover?
- Should the claim be submitted to the Insurance Company or TPA?
- What is the benefit of carrying a health card?
- I am not keen to avail of Cash less facility. Can I go in for reimbursement?
- During the course of my treatment, can I change the hospitals?
- How do I get a list of network hospitals of TPA?
- Can I get Cash less facility / Reimbursement in the case of pre-existing diseases?
- When will my claim be reimbursed?
- What documents are needed for processing claims if the treatment has been done in a non-network hospital or in a network hospital where cash less facility was not granted / availed?
- What documents should one obtain before discharge from the hospital in case of cash less facility availed?
- What is Cashless access/Cashless Facility?
- What do you mean by Network /Non-network Hospitalization?
- What are the facilities offered by a TPA?
- What is a TPA?
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