Februari 21, 2017
health insurance... is a key part of ensuring that you and your family... get the right medical attention... whenever needed. let's look at the information... you need to understand when taking a fresh policy. be careful... while filling the proposal form with all the correct details... with none of the questions left unanswered.
make sure you sign the form... only after all the details are thoroughly checked. it is very important that you fill in... the correct email id and contact number... on the proposal form. declare any pre-existing diseases, operations, and medications taken... very clearly and correctly in the proposal form... irrespective of how old you are. remember to check co-payments, room rent capping and disease capping...
before taking the policy. a waiting period... of anywhere between 15 days to 4 years... is applicable for certain ailments... like hospitalization due to certain diseases,... cataract, knee replacement,... maternity if specific coverage is opted,... cyberknife surgeries etc. cosmetic surgeries, opd, dental surgeries, vaccination etc....
are some of the treatments... which are generally not covered in the claim... unless caused by accident. a person should check with the insurance company or tpa... for a list of hospitals... that offer cashless treatment. claim intimation should be given 48 hours in advance... for planned surgeries... and within 24 hours of admission in hospital for emergency cases.
in case of cashless claims,... the approval has to be received... from tpa or the insurance company... before hospitalization,... and in case of non cashless claims,... the claim paper should be submitted to the insurance company... within seven days of discharge.
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