Can I Change Hospitals During The Course Of My Treatment?

Yes. You can change the hospital during the course of your treatment and the claim would be payable under your health insurance policy. This should be intimated to your insurance company beforehand if possible to process the claim smoothly and avoid unnecessary ambiguity. But remember, the claim amount that can be paid would either be the claim amount or the sum insured whichever is less.

Can I change from group policy to an individual policy of new India at the time of renewal?

No. Group policy is different in terms and conditions when compared to the individual health insurance policy. Group policy is taken by the employer of a company for his/her employees and the premium is paid by the employer, but in case of individual health insurance policy the premium is to be paid by the insured customer. In short you cannot change from group policy to an individual policy at the time of renewal, but you can purchase a new individual policy at the time of renewal and opt out of group health insurance policy.

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