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Frequently Asked Questions

What is health insurance?
Health insurance is an agreement between the insurance company and the insured customer where the insurance company agrees to settle the claim in case of hospitalization due to an accident or illness in return for a considerable amount to be paid which is known as Premium. The agreement is valid only for a period of the mentioned policy term after which the policy has to be renewed.
Is health insurance important?
Health insurance is one of the most important financial planning tools available in the market. Without a health insurance you might be forced to dig out your savings and liquidate your assets in case of hospitalization. There are few people who take out personal loans to settle their hospital bills as there was no health insurance policy for them.
Is hospitalization always necessary to get a claim?
Health insurance is mainly taken in case of hospitalization due to an illness or accident. There is a provision in health insurance policy to get the claim without hospitalization; this provision is known as the domiciliary treatment where the insured customer can get treated for his/her illness or disease from one’s home. In health insurance there is provision for OPD also known as Out Patient expense which doesn’t require hospitalization. Hence, hospitalization is not necessary to get a claim in health insurance.
What is depreciation in car insurance?
Depreciation is the reduction in the value of an asset over a period of time due to wear and tear as a result of usage. The depreciation in car insurance is calculated each year and is taken as 10% reduction each on an average. The depreciation is also accounted at the time of claim settlement in car insurance.
Can the sum insured be increased at the time of renewal?
Yes. The sum insured can be increased at the time of renewal. A formal request is to be made to your insurance company to increase your sum insured at the time of renewal. It is to be noted that the extra premium for the increased sum insured should be paid to the insurance company and other conditions such as Pre existing waiting period, specific disease waiting period etc. should be satisfied for the increased sum insured.
Is there an age limit up to which the policy would be renewed?
Yes. In general there would be the minimum and maximum age limit for every type of health insurance policy. The maximum limit in general would be 60 or 65 years in most of the health insurance policies available in the market. There are several health insurance policies in the market which are known as “Senior citizen health insurance” which provide health insurance coverage to senior citizens. It is advisable to check with our agent before taking the health insurance policy.
Can the insurance company refuse to renew the policy?
No. Health Insurance Company cannot refuse to renew your health insurance policy unless there is a valid reason such as declaration of incorrect facts or activities of fraud. But health insurance companies may not send you your renewal notice in case of high claim ratio on your health insurance policy in the previous year. In case your health insurance policy is refused for renewal by the insurance company without a valid reason, you can file a complaint with the Insurance regulatory and Development authority.
Can I make a claim immediately after taking the policy?
Yes, you can make only an accident related claim immediately after taking the health insurance policy. Other claims for illness and diseases can be made only after satisfying the waiting period mentioned in the health insurance policy. There is a initial waiting period of 30 days for every health insurance policy which has to be satisfied by the insured before making a claim (except for accident related claims). In addition to the initial waiting period there is Specific disease waiting period and Pre existing disease waiting period which needs to be satisfied by the insured before making any claim.
What is Cashless hospitalization?
Cashless hospitalization is the process in which in the insured would get admitted in the hospital for treatment and the costs would be borne by the insurance company. The hospitalization cost would be paid to the hospital by the insurance company directly without the intervention of the customer. For this the insurance companies discuss packages with the hospitals and fix a price for a particular type of treatment. Cashless hospitalization is the best mode of claim settlement in a health insurance policy as the rising hospitalization costs are posing a serious threat to the people and causing a huge dent in their savings during hospitalization.

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