What is health insurance?
Health insurance is a financial protection plan that covers your medical expenses such as hospitalization, treatments, medicines, and surgeries.
Why is health insurance important?
- Medical costs are increasing rapidly
- Provides financial support during emergencies
- Offers cashless treatment facility
- Gives tax benefits under Section 80D
What is cashless treatment?
Cashless treatment means you don’t have to pay hospital bills upfront. The insurance company directly settles the bill with the hospital (only in network hospitals).
How do I choose the right plan?
Our advisors help you choose based on:
- Age
- Health condition
- Budget
- Family needs
What is a pre-existing disease?
A pre-existing disease is any illness or condition that you had before purchasing the insurance policy (e.g., diabetes, blood pressure).
What documents are needed for claims?
Typically:
- Policy details
- Hospital bills
- Medical reports
- Discharge summary
We guide you through the entire process.
What is sum insured?
Sum insured is the maximum amount that the insurance company will pay for your medical expenses (e.g., ₹5 lakh, ₹1 Cr.).
What is premium?
Premium is the amount you pay (monthly or yearly) to keep your insurance policy active.
How can I file a claim?
There are two ways:
- Cashless claim – at network hospitals
- Reimbursement claim – you pay first, then get reimbursed
What is No Claim Bonus (NCB)?
If you don’t make any claim during a policy year, you get a bonus in the form of increased sum insured or premium discount.
Is policy renewal important?
Yes, if you don’t renew your policy on time, your coverage and benefits may lapse.