A comprehensive health insurance takes care of all your medical needs. It is a single plan that suffices your individual need as well as a family need with a good coverage amount. It would entail the following benefits:
Cashless health insurance
Day care procedures
In-patient treatment
Pre-Post hospitalization expenses
Lifetime policy renewal option
Easy claim settlement process
Individual as well as family health care plans
NCB provision if applicable on paying renewal premium
Tax Benefits
Is medical checkup mandatory to buy comprehensive health insurance?
The criteria may vary from heath insurer to health insurer but if you are above 50 years then medial screening is mandatory.
Does comprehensive insurance cover the expenditure incurred towards lab investigations such as ultrasound, MRI, X-Rays?
If the diagnostic tests are required in in-patient treatment then they are covered and the expenditure is borne by the health insurance policy. But if the tests are conducted as part of the outpatient treatment then the cost has to be borne by the individuals.
What are the exclusions in Comprehensive health insurance?
The policy exclusions depend upon the policy type and heath service provider. Some of the common exclusions are listed below:
Pre-existing diseased up to the minimum of two years
Injury occurring due to self infliction
Treatment arising due to drug overdose/abuse
Treatment arising out of any punishable offence
Expenses arising due to treatment of HIV/AIDS
Treatment arising out of infertility
Dental and cosmetic procedures
Can cashless health service be availed in any hospital?
Cashless health services are applicable only in the network hospitals.
Are there any timelines to inform TPAs for availing cashless health insurance benefit?
If going for planned hospitalization, inform the TPA 48 hours in advance.
In case of emergency hospitalization inform TPA within 24 hours of admission
How are post-hospitalization and pre-hospitalization expenses covered in cashless health insurance?
You need to submit the medical bills and doctor's prescription within 7 days from the date of discharge to the TPA. The pre-hospitalization expenses are covered for 30 days and post-hospitalization expenses are covered for 60 days. After verification the bills are reimbursed.
What expenses are included in inpatient treatment?
Room rents
ICU charges
Nursing fee
Doctor's consultation
OT charges
Expenses in arranging for blood, anesthesia, oxygen and surgical appliances
Medicines
Lab investigation procedures
If the treatment occurs in non-network hospital, then would I have to bear the expenses myself?
In case of non-network hospital the cost of the treatment up to the sum assured will be reimbursed against the actual. You will have to settle the bill with the hospital and then file reimbursement claim.
Cashless health insurance
Day care procedures
In-patient treatment
Pre-Post hospitalization expenses
Lifetime policy renewal option
Easy claim settlement process
Individual as well as family health care plans
NCB provision if applicable on paying renewal premium
Tax Benefits
Is medical checkup mandatory to buy comprehensive health insurance?
The criteria may vary from heath insurer to health insurer but if you are above 50 years then medial screening is mandatory.
Does comprehensive insurance cover the expenditure incurred towards lab investigations such as ultrasound, MRI, X-Rays?
If the diagnostic tests are required in in-patient treatment then they are covered and the expenditure is borne by the health insurance policy. But if the tests are conducted as part of the outpatient treatment then the cost has to be borne by the individuals.
What are the exclusions in Comprehensive health insurance?
The policy exclusions depend upon the policy type and heath service provider. Some of the common exclusions are listed below:
Pre-existing diseased up to the minimum of two years
Injury occurring due to self infliction
Treatment arising due to drug overdose/abuse
Treatment arising out of any punishable offence
Expenses arising due to treatment of HIV/AIDS
Treatment arising out of infertility
Dental and cosmetic procedures
Can cashless health service be availed in any hospital?
Cashless health services are applicable only in the network hospitals.
Are there any timelines to inform TPAs for availing cashless health insurance benefit?
If going for planned hospitalization, inform the TPA 48 hours in advance.
In case of emergency hospitalization inform TPA within 24 hours of admission
How are post-hospitalization and pre-hospitalization expenses covered in cashless health insurance?
You need to submit the medical bills and doctor's prescription within 7 days from the date of discharge to the TPA. The pre-hospitalization expenses are covered for 30 days and post-hospitalization expenses are covered for 60 days. After verification the bills are reimbursed.
What expenses are included in inpatient treatment?
Room rents
ICU charges
Nursing fee
Doctor's consultation
OT charges
Expenses in arranging for blood, anesthesia, oxygen and surgical appliances
Medicines
Lab investigation procedures
If the treatment occurs in non-network hospital, then would I have to bear the expenses myself?
In case of non-network hospital the cost of the treatment up to the sum assured will be reimbursed against the actual. You will have to settle the bill with the hospital and then file reimbursement claim.