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Tips for Choosing the Right Health Insurance Plan

26

Dec, 2011

Tips for Choosing the Right Health Insurance Plan

By: | Tags: , , , | Comments: 99

When it comes to health insurance, there’s no one-size-fits-all plan that you can rely on. Of the numerous plans in the market, you will find that each is unique in some way, with its own benefits and limits. This makes purchasing health insurance a difficult task where painstaking research is sometimes required, before you find the right plan for you. Before you go plan-hunting, there are some questions you need to ask yourself: What is my financial ceiling? What do I have to cover? Am I responsible only for myself? […]

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Health Insurance Portability

19

Oct, 2011

Health Insurance Portability

By: | Tags: , , , , , , | Comments: 45

With the onset of health insurance portability, people now have the freedom to switch from one insurer to another while carrying forward all the benefits of their previous health insurance policy. Portability will enable transfer of credit gained by the insured for pre-existing conditions and time bound exclusion if the policyholders choose to switch from one insurer to another or from one plan to another plan of the same insurer provided the previous policy has been maintained without any break. Insurers can be switched to only if the policyholder has […]

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All about Network Hospitals

12

May, 2011

All about Network Hospitals

By: | Tags: , , , | Comments: 156

What are network Hospitals? The hospitals which have a tie up with your insurer would come under the category of network hospitals. The network hospital provides cashless facilities to you on approval by your insurer. The insured, i.e. you, while getting admitted can quote your policy number or provide the card which has been issued by the health insurer to the hospital administration. The hospital will seek approval for treatment on your behalf. If approved, the payments will be settled by your insurer, subject to the cover taken by you. What […]

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All You Need To Know About Health Insurance Claims

7

Aug, 2010

All You Need To Know About Health Insurance Claims

By: | Tags: , , , , , , , | Comments: 56

Health Insurance is an insurance product that covers your medical expenses in case you need to use health care services. Your medical costs can be covered either via cashless claims settlement or via reimbursement of the claim amount. You can avail the cashless claims settlement facility if you are admitted to a network hospital. If you are admitted to a non-network hospital, then you need to settle the hospital bills yourself and submit the hospitalization documents along with the claim form for the reimbursement of the hospitalization expenses. Documents Required: The documents […]

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What do I need to keep in mind in case of hospitalization during my travel abroad?

14

Jul, 2010

What do I need to keep in mind in case of hospitalization during my travel abroad?

By: | Tags: , , , , , | Comments: 14

In case you have an overseas travel medical insurance and are admitted to a hospital after an OPD consultation or otherwise, please notify us immediately. The insurance medical assistance department (doctor) will discuss your medical condition with the treating doctor. If it is confirmed that the admission to a hospital is NOT due to any pre-existing conditions or any conditions listed in the exclusion list, then the travel insurance company shall guarantee and settle the payments with the hospital. Documents Required: In order to expedite processing of the claim, you […]

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