Frequently Asked Questions
What is health insurance?
Health insurance is a type of insurance that pays for your medical and surgical expenses in case you fall sick and need hospitalisation. It can also provide coverage for other health-related expenses like doctor visits, medications, and preventive care.
Why do I need health insurance?
Health insurance typically covers all costs incurred during inpatient hospitalisation like room rent, ICU charges, doctors’ fee, surgery costs, prescription drugs etc. Some plans may also cover additional services like preventive care, OPD care, dental care, and vision care.
What does health insurance typically cover?
Health insurance typically covers all costs incurred during inpatient hospitalisation like room rent, ICU charges, doctors’ fee, surgery costs, prescription drugs etc. Some plans may also cover additional services like preventive care, OPD care, dental care, and vision care.
What are the different types of health insurance plans?
There are various types of health insurance plans, including individual health insurance, family floater plans, group health insurance, and critical illness plans. Each offers different levels of coverage and benefits.
How do I choose the right health insurance plan?
Choosing the right health insurance plan depends on your health needs, family size, budget, and coverage preferences. Consider factors like coverage limits, network hospitals, exclusions and premiums before deciding.
If you still need help, talk to us to find the right health insurance policy for yourself.
What is a health insurance premium?
A health insurance premium is the amount you pay to your health insurer every year to keep your policy active.
Your health insurance premium depends on factors like age, health condition, type of plan, and cover amount. Health insurance premium increases with age even if all other factors remain the same.
What is a cashless health insurance policy?
A cashless health insurance policy allows you to receive treatment at network hospitals without paying upfront. The insurance company directly settles your medical bills with the hospital.
What are pre-existing conditions? Are they covered under health insurance?
Pre-existing conditions (PEDs) are medical conditions that existed before you took out the health insurance policy. Health insurance policies typically have a waiting period before they cover pre-existing conditions, while some may exclude them entirely.
How does the claim process work for health insurance?
To file a health insurance claim, you need to submit the required documents and medical bills to the insurance company. If it’s a cashless claim, the hospital will handle the paperwork. For reimbursement, you pay upfront and then submit the claim for reimbursement.
What is the waiting period in health insurance?
The waiting period is the time you must wait before certain coverages become active. Waiting period can apply to specific treatments, pre-existing conditions, or maternity benefits, depending on your policy.
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