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cataract mediclaim limits


Insurance Faqs
Faq

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...
Faq

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.
Faq

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.
Faq

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.
Faq

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...
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.



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