What we love?
Mid-term inclusion for Wife and Child
Cover amount: ₹5 Lakh
Cashless hospitals: 335
Premium:₹448/month (₹5375 paid annually)
Claim Settlement Ratio: 90%
What we love?
Mid-term inclusion for Wife and Child
Cover amount: ₹5 Lakh
Cashless hospitals: 335
Premium:₹448/month (₹5375 paid annually)
Claim Settlement Ratio: 90%
Claims Rejected due to Policy Terms and Conditions such as Waiting Periods and Exclusions as provided by the Insurer.
Number of Claims Settled / Number of claims valid as per Policy Terms and Conditions (C = A+ B).
Why is it Important
This plan helps to cover the following for Covid-19 treatment –
Why is it Important
It is a value-added service and you will get benefit of discount on renewal
Why is it Important
It is important from the point of getting Spouse or child added in mid term so that they can get covers as and when they become the part of our family
Why is it Important
If you are suffering from an existing illness, this ensures that your coverage starts sooner with lesser waiting period.
Why is it Important
The higher the number of network hospitals the better as you can avail cashless treatment at more places.
Why is it Important
Most people infected with the virus will experience mild to moderate respiratory illness and recover without requiring special treatment. However, some will become seriously ill and require medical attention
Why is it Important
A lower cap is better as room rent eats into the claim amount which should be spent on treatment cost.
Why is it Important
It helps at the time of second hospitalization in the same year
Why is it Important
It helps at the time of second hospitalization in the same year
Why is it Important
Health checks ensure you are treated before your medical condition gets serious.
No Co-payment. 100% claim paid by Insurer
Why is it Important
If you are suffering from an existing illness, this ensures that your coverage starts sooner with lesser waiting period.
Why is it Important
Most people infected with the virus will experience mild to moderate respiratory illness and recover without requiring special treatment. However, some will become seriously ill and require medical attention
Why is it Important
The higher the number of network hospitals the better as you can avail cashless treatment at more places.
Why is it Important
Typically there is a period of OPD and diagnostics before one is discharged. Longer the Pre-Hospitalisation cover period, better it is
Why is it Important
There are usually expenses on medicines and treatments even after hospitalization. This benefit helps to cover the same.
Why is it Important
The number of day care treatments are increasing every day and it is important that your insurance covers maximum day care procedures.
Why is it Important
It is a value-added service and you get a convenient second opinion.
Wellness Factors – Renewal discount for healthy life style)
What’s not covered
Why is it Important
Since pregnancy and related expenses are covered, you get peace of mind and financial protection during child birth
Why is it Important
The higher the cover amount, the better as sometimes — especially during seasonal outbreaks like dengue — hospitals may not have accomodation.
Why is it Important
This benefit covers you for alternative treatment options which are becoming more and more popular.
Why is it Important
The higher the coverage the better as medical treatments abroad are expensive.
Not Covered
Why is it Important
It ensures that expenses of the donor are covered, and the insured gets the organ that is required in time
Why is it Important
The money can be used for meeting additional expenses that are not covered by health insurance
Why is it Important
The higher the coverage the better as most treatments do not require hospitalization.
Why is it Important
This add-on is beneficial as stray animals are everywhere and you can’t predict when one might bite you.
Are PPE kits and other consumable items covered in Health Insurance policies?
Mostly policies don’t cover it by default, however you can buy some very low cost riders and get consumables like PPE kits covered. These include riders such as Care Shield with Care Health Products, or Safeguard with Max Bupa products.
Is HomeCare treatment covered in my Health Insurance policy?
Many Comprehensive health plans provide Home Care treatment where Hospitalisation was required, but patients couldn’t be hospitalised because beds weren’t available. This will include the cost of treatment, diagnosis, medication, oxygen, etc. Check with your advisor for options where HomeCare for Covid-19 is also covered
Will my Health policies cover Black Fungus or any other complications of Covid-19?
Absolutely, Health Insurance covers Covid-19 and all its related complications such as Black Fungus.
In cashless process the hospital expenses are settled directly between the insurance company and the network hospital. No cash has to be paid by the insurance policy holder.
Click here to view the list of Cashless Hospitals
There can be 2 types of hospitalisation.
Hospital will share all the necessary documents with insurer / TPA for approval.
Insurer will scrutinize the shared documents and give the authorization on the final bill amount in case of approved transactions.Any inadmissible expenses,copayments,deductions will have to be paid by you.
Pro Tip – Once your cashless claim is approved, you can also reimburse your pre and post hospitalization expenses through the reimbursement process.
In case of hospitalization in non calshless network hospital you can still take an advantage of your health insurance policy by making a Reimbursement claim where you can pay the medical bills directly to the hospital and then gets expenses reimbursed from the insurance company.
There can be 2 types of hospitalisation.
The insurer needs to provide complete details including hospital name, diagnostic and treatment details, date of admission, etc.
The insurer will provide a reference ID for all future communication pertaining to the claim request.
Insurer will scrutinize the shared documents and give the authorization on the final bill amount in case of approved transactions.Any inadmissible expenses,copayments,deductions will have to be paid by you.