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Insurance Faqs

	Can I claim expenses incurred for my mother's cataract operation in the first year of buying the policy? : No, you cannot claim expenses for a cataract operation in the first year of the policy. Most insurers have a set of specific illnesses or ailments for which they will not provide cover in the first two years from the commencement of policy; however these would be covered from the third or fourth...
	What are the restrictions on the expenses that can be claimed on a Health Insurance Plan? : You can claim for the full sum insured, there are limits and sub-limits under the larger expense categories. There are restrictions on the room rent to 1 per cent of the sum insured and other medical expenses which can vary from one Insurance company to another.
	Do you cover Pre-existing diseases? : Pre-existing diseases are covered subject to sub-limits and waiting period. These diseases are covered after 3-4 years provided the policy is renewed with the Insurance Company for the said period.
	How do I decide on an appropriate cover amount? : • Age is a critical factor for determining the cover since health risk increases with age.• Pre-existing diseases are covered subject to sub-limits and waiting period.
	Are there limits to the number of claims on a Health Insurance Plan? : There is no limit to the number of claims per annum but there is a limit to the amount that you can claim in a year. Usually, the maximum amount that you can claim in a year is limited to the sum insured. However, special plans that provide surgical benefits and daily hospitalization cash...
	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...
	Why do I need health insurance? : Health insurance will protect you and your family against any financial contingency arising due to a medical emergency.
	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.
	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.
	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.
	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.

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