PART-III

Do you get a cover as soon as you buy the policy?

No, normally there is waiting period of 90 days, before you can actually start using the benefits of the plan.

What is the highest and lowest amount of insurance coverage that you can buy?

You can buy a cover of as low as Rs50,000 and as high as Rs10,00,000. It depends on your need, requirement and budget.

If you have to buy a policy for a family of more than four members, do you need to buy an additional one?

For a family of 4 people, Insurance companies gives you the family plan coverage, but for a family of more then four, you have to buy an additional plan.

Does a higher cover mean better protection?

Rising medical cost is a major deterrent, and thus, a higher cover would guarantee you a better protection. “It simply implies, the more you take, the better you get”.

Should you take a medical check up before you buy the policy?

Yes, most of the policies would need a medical check up report, not older then 180 days.

What do you do in case of a claim?

Use health identity card at any of the network hospitals of the insurance companies and avail cashless service. Contact TPA on the number, given by the insurance company or mentioned in the health card, fax/submit the required docs for identification and authorization, obtain approval of identification, on network/non-network hospitals from TPA. After getting an approval-customer avails treatment.

To understand the nuances of different types of policies and its price, feel free to seek the help of InsuranceMall to select the right products based on your need. Or you can directly call them on +91-22-30503050

InsuranceMall is the leading and first online insurance broker in India. With the motto to make our customer delighted and proud about their decisions, we’re always there to help them with best possible policy