Your Policy

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You may have bought an insurance policy, yet have thousands of queries and doubts. Our ‘Your Policy’ section is the fastest way to resolve your insurance related doubts and queries. All you need to do is attach your active insurance policy and write to us about your queries. We certainly are a bunch of humans who don’t let their customers down.

All you need to do is fill in the below details and upload your policy. Do give us a chance to resolve your queries if any?

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In case you have these or any more queries, simply send us a copy of your insurance policy and our expertise will get them resolved in no time!

Don’t get excited once you buy your insurance plan. We always urge you to read your policy document thoroughly to understand those fine prints before you sign the dotted lines. Nevertheless, you may go through the most frequently asked questions that one might have once purchasing an insurance policy. And if you have some more queries, you know what you need to do! Fill up the ‘your policy’ form and submit. Our advisors will be there to ease out your insurance policy related worries and queries.

Some of the frequently asked questions about Health Insurance.

Yes, you will yet be eligible for a health insurance plan even though you have been diagnosed with a medical condition. There would however be certain restrictions on your health insurance plan:

  • You may be availed with a health plan that offers you coverage for anything other than the pre-existing diseases or conditions related to the same
  • A waiting period would be applicable and therefore your health insurance plan would be valid post completion of this condition
  • A higher premium would be imposed
  • There are chances that your health insurer may deny your health insurance claim

Generally there are 4 common yet important types of exclusions that a health insurance policy would impose:

  • Non-medical expenses
  • Unproven medical treatments such as HIV, adventure sports, etc.
  • Medical treatments undertake due to illegal reasons such as consumption of drugs, narcotics, alcohol, etc.
  • Waiting period and other time-related exclusions

Every health insurer offers a free-look period of 15 days post policy issuance wherein you can cancel your health insurance premium if you aren’t happy with the policy terms and conditions. Therefore, it is important to read the policy document carefully to understand and calculate the amount that your health insurance company would refund.

Yes, you can utilize your health insurance company in any part of the country, no matter which city you actually purchased it from.

Co-pay is nothing but your part of the hospital bill that you would be required to shell-out in case of hospitalization. It is usually best to opt for a health insurance plan that doesn’t have a co-pay clause.

The below mentioned treatments are covered under a day-care treatment:

  • Chemotheraphy
  • Eye surgery
  • Radiotheraphy
  • Hydrocele
  • Prostate
  • Dialysis
  • Sinusitis
  • Lithotripsy
  • Appendectomy
  • Angiography
  • Piles/Fistula
  • Colonoscopy
  • Liver aspiration

Yes, you can increase your sum assured amount at the time of health insurance renewal.

If your father had passed away post hospitalization, you may get the reimbursement of the claimable expenses. In case he was the eldest of the family and the primary insured member, then the health insurance company would calculate the premium according to the age of the next eldest member of the policy. A change of request form is important for the family to fill-in post such changes. Also, in case only two family members were included in a family floater plan and one insured member expires, then the family floater plan would convert into an individual health insurance plan.

Yes. Some health insurance companies offer loyalty benefit in the form of discount if you renew your health insurance plan from the same insurer.

In order to battle life challenges in case you get diagnosed with a critical illness, it is vital to buy critical illness insurance. The amount that you get post claiming critical illness insurance can help you pay off the debts, cover expenses related to your treatment as well as offer coverage to compensate for the income lost due to inability to earn/work.

The premiums that you pay for your Critical Illness Insurance Plan becomes eligible for an income tax deduction under Section 80D of the Income Tax Act, 1961.

If you buy a Critical Illness Insurance Plan, you will be paid a lump sum amount on diagnosis of a critical illness listed in the policy document. However, in case you buy a health insurance plan, you will be paid for the medical expenses. Thus, it makes sense to buy a Critical Illness Insurance Plan separately.

Typically, a health insurance plan offers coverage for all the health-related requirements. But, there are chances wherein you may need additional funds if there is a medical exigency. Thus, to beat the medical inflation and to ensure extra protection, it is advisable to opt for a top-up health insurance policy.

Yes, you can save up to Rs.60, 000 under Section 80D of the Income Tax Act, 1961 for the premiums that you pay for top-up health insurance policy.

The primary policyholder of the family health insurance should be 18-65 years in age. However, there are many health insurance companies in India that offer lifelong renewability. Usually a medical test is required to be eligible for the family health insurance in India post 45 years of age. The eligibility criteria as well as the age differ from one health insurance company to another.

Earlier buying health insurance was cumbersome due to the traditional way of approaching the insurance agent or taking turns to the health insurance company. However, with the online mode booming up, buying insurance has become like a cherry on the cake! Trust, purchasing health insurance online is time saving and easier and above all pocket friendly too. You can compare health insurance quotes of different insurers under one roof and buy the best health insurance plan in India. With the availability of the health insurance premium calculator, it has indeed become convenient to find out the accurate quote of your health insurance premium. Since there is no involvement of the insurance agent, buying health insurance online has become a reasonable as well as seamless process.

Experts recommend to compare health insurance before buying one. Simply put, comparing lets you avail the following advantages–

  • You can opt for the health insurance plan with the most desired features as coverages
  • By comparing health insurance, you can opt for the health insurance plan that offers pocket-friendly premium offering comprehensive coverage benefits as per your requirement.
  • You can compare different health insurance riders and buy one that best suits your requirement
  • Comparing health insurance plans will let you avail premium discounts
  • You can also compare network list of the hospitals before buying health insurance in India.
  • You can compare the claim settlement ratio that impacts the probability of claim settlement. A health insurance plan with a higher claim settlement ratio should be purchased..

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