List of Insurance companies and status
List of TPAs and Status
List of Government Tie Ups and status
Faq's
What is health insurance and why do I need it?
Health insurance provides financial protection by covering medical expenses, hospital stays, treatments, and preventive care. It helps reduce out-of-pocket costs and ensures access to quality healthcare.
What types of health insurance plans are available?
Plans typically include individual, family, group, and senior citizen policies. Some may cover maternity, critical illness, accident benefits, and preventive health checkups.
How do I choose the right insurance plan for my needs?
Consider factors like coverage amount, premium affordability, hospital network, pre- and post-hospitalization coverage, and add-on benefits.
What is a pre-existing condition, and will it be covered?
A pre-existing condition is any illness or medical condition you had before enrolling in the policy. Coverage usually begins after a waiting period, depending on the insurer’s terms.
Are there waiting periods in health insurance?
Yes, most policies have waiting periods for specific illnesses, maternity benefits, and pre-existing conditions. These can range from a few months to a few years.
What is cashless hospitalization?
Cashless hospitalization allows you to get admitted and treated at network hospitals without paying upfront. The insurer settles bills directly with the hospital, subject to policy limits.
How can I file a claim for medical expenses?
You can file either a cashless claim at a network hospital or a reimbursement claim by submitting bills, prescriptions, and discharge summaries to your insurer.
Does health insurance cover preventive care?
Many modern policies include coverage for preventive checkups, vaccinations, and wellness benefits, but it varies by plan.
Can I include my family members under one policy?
Yes, family floater plans allow you to cover your spouse, children, and sometimes even dependent parents under a single policy.
Most insurers provide a grace period for premium payment. If not renewed within that period, your policy may lapse, and coverage benefits will stop.