What you should know
Room rent limit is the maximum amount per day cost allowed by the insurer. Related expenses, such as doctor consultation etc. are paid in proportion to the room rent limit. Look out for plans with No Room Rent limit
What you should know
Very useful feature, in case the sum Insured gets exhausted in a year due to multiple claims or a large claim. Insurer restores the sum insured to provide continued coverage to policyholders.
What you should know
No Claim Bonus is the reward for not making a claim. Depending on plan, Insurer adds a 5%-100% bonus to the Sum Insured at no extra premium.
What you should know
Hospitals that have a direct tie-up with the insurance company, where insured can avail cashless treatment. Larger the network in your area, better it is.
What you should know
Co-pay is the share of claim to be paid by the policyholder, while the rest is paid by the insurer. Always look out for plan with 0% co-pay or minimum co-payment.
What you should know
Expenses incurred BEFORE hospitalization, such as doctor visits, diagnostic tests etc. Insurance company pays for such expenses upto a certain number of days (ex. 30-90 days) prior to hospitalization.
What you should know
Expenses incurred AFTER hospitalization, such as doctor visits, medicines etc. Insurance company pays for such expenses upto a certain number of days (ex. 30-180 days) after the hospitalization.
What you should know
Treatments that do not require hospitalization, such as Cataract, Chemo etc.
What you should know
Treatments that do not require hospitalization, such as Cataract, Chemo etc.
What you should know
Covers for ambulance charges before or after the hospitalization.
What you should know
The minimum period policyholder needs to wait before filing a claim. In case of pre-exisitng illnesses such as diabetes, thyroid etc., look for plans with less waiting periods.
What you should know
No Claim Bonus is the reward for not making a claim. Depending on plan, Insurer adds a 5%-100% bonus to the Sum Insured at no extra premium.
What you should know
The amount of time you’ll have to wait from the date of issue to actively start using your health insurance policy and benefiting from it.
What you should know
Certain diseases or medical conditions and procedures may come with a specific waiting period.These may include cataracts, ENT disorders, osteoporosis, hernia, joint replacement surgery, etc. The waiting period for such illnesses can vary from 2 to 4 years, depending on the policy’s terms and conditions.
What you should know
Few diseases may require alternate treatment such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH). Do check if your plan covers the same and up to what limits.
What you should know
The higher the coverage the better as medical treatments abroad are expensive.
What you should know
This feature refers to the process of transferring an individual to his home country for medical treatment from the location where he/she suffered a medical emergency. A really important part of health insurance plan for the frequent travellers
What you should know
Covers for Organ transplants. Hence if an individual is looking to avail such a procedure in the near future, he/she must take a plan with high cover amount
What you should know
Covers vaccination costs in case of an animal bite such as dog bite
What you should know
Complimentary health checkups in the policy to ensure wellbeing of the policyholders.
What you should know
An additional discount for staying active and fit. Can be availed at the time of renewal
What you should know
An additional discount for staying active and fit. Can be availed at the time of renewal
What you should know
Insurer offers a fixed daily payout for each day till the time the policyholder remains hospitalized. Covers for expenses such as meals, transport etc. of the attendant.
What you should know
This feature covers doctor consultations, diagnostic tests and pharmacy costs. Offered by a few insurers as a part of the plan and otherwise available as an optional rider
What you should know
Room rent limit is the maximum amount per day cost allowed by the insurer. Related expenses, such as doctor consultation etc. are paid in proportion to the room rent limit. Look out for plans with No Room Rent limit
What you should know
Very useful feature, in case the sum Insured gets exhausted in a year due to multiple claims or a large claim. Insurer restores the sum insured to provide continued coverage to policyholders.
What you should know
No Claim Bonus is the reward for not making a claim. Depending on plan, Insurer adds a 5%-100% bonus to the Sum Insured at no extra premium.
What you should know
Hospitals that have a direct tie-up with the insurance company, where insured can avail cashless treatment. Larger the network in your area, better it is.
What you should know
Co-pay is the share of claim to be paid by the policyholder, while the rest is paid by the insurer. Always look out for plan with 0% co-pay or minimum co-payment.
What you should know
Expenses incurred BEFORE hospitalization, such as doctor visits, diagnostic tests etc. Insurance company pays for such expenses upto a certain number of days (ex. 30-90 days) prior to hospitalization.
What you should know
Expenses incurred AFTER hospitalization, such as doctor visits, medicines etc. Insurance company pays for such expenses upto a certain number of days (ex. 30-180 days) after the hospitalization.
What you should know
Treatments that do not require hospitalization, such as Cataract, Chemo etc.
What you should know
Treatments that do not require hospitalization, such as Cataract, Chemo etc.
What you should know
Covers for ambulance charges before or after the hospitalization.
What you should know
The minimum period policyholder needs to wait before filing a claim. In case of pre-exisitng illnesses such as diabetes, thyroid etc., look for plans with less waiting periods.
What you should know
No Claim Bonus is the reward for not making a claim. Depending on plan, Insurer adds a 5%-100% bonus to the Sum Insured at no extra premium.
What you should know
The amount of time you’ll have to wait from the date of issue to actively start using your health insurance policy and benefiting from it.
What you should know
Certain diseases or medical conditions and procedures may come with a specific waiting period.These may include cataracts, ENT disorders, osteoporosis, hernia, joint replacement surgery, etc. The waiting period for such illnesses can vary from 2 to 4 years, depending on the policy’s terms and conditions.
What you should know
Few diseases may require alternate treatment such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH). Do check if your plan covers the same and up to what limits.
What you should know
The higher the coverage the better as medical treatments abroad are expensive.
What you should know
This feature refers to the process of transferring an individual to his home country for medical treatment from the location where he/she suffered a medical emergency. A really important part of health insurance plan for the frequent travellers
What you should know
Covers for Organ transplants. Hence if an individual is looking to avail such a procedure in the near future, he/she must take a plan with high cover amount
What you should know
Covers vaccination costs in case of an animal bite such as dog bite
What you should know
Complimentary health checkups in the policy to ensure wellbeing of the policyholders.
What you should know
An additional discount for staying active and fit. Can be availed at the time of renewal
What you should know
An additional discount for staying active and fit. Can be availed at the time of renewal
What you should know
Insurer offers a fixed daily payout for each day till the time the policyholder remains hospitalized. Covers for expenses such as meals, transport etc. of the attendant.
What you should know
This feature covers doctor consultations, diagnostic tests and pharmacy costs. Offered by a few insurers as a part of the plan and otherwise available as an optional rider
