Answer : Pre hospitalization = The consulting doctor conducts tests to understand the patient’s health conditions before starting the treatment. Expenses incurred on health examinations and tests prior to the hospitalization are called pre hospitalization.
Post hospitalization= It covers all medical expenses which are incurred after the hospitalization. The consulting doctor advises tests and medicines to check the recovery process of a patient.
Answer : Capping definition as per the policy.(Please check your policy coverage’s)
Answer : For inclusion of newly wedded spouse & new born baby, Kindly intimate the organization HR.
Answer : Wellness card is utilized for cashless facility at Network Hospitals. It is an Insurer Identification card.
Answer : A hospital which has a contract with the insurance company for offering cashless treatment facility is called as a ‘Network Hospital’. This facility is offered only at the network hospitals. On the other hand, non-network hospitals are those with whom insurer do not have any contract and any insured person seeking medical help in such hospitals will have to pay for his medical treatments and later claim according to the reimbursement process.
Answer : Hospital list can be downloaded from below link:
Link: ----------------------------------
It is updated on periodic basis if there are any changes in the network status of the hospital.
Answer : Under cashless hospitalization, the patient does not need to pay the hospitalization bills at the time of discharge from hospital because medical expenses are paid by your health insurance company.
Answer : No, it does not. You won’t get paid; if you choose hospital other than the hospital list provided by your insurer. Insured can opt for reimbursement in such cases.
Answer : Any health problem faced by one prior to seeking insurance policy is called pre-existing diseases.
Answer : Yes, pre-existing diseases are covered in the policy.
Answer : Forms for claim intimation can be downloaded from below link:
Answer : After a claim is filed and settled, the coverage amount would be reduced by the sum that has been paid. For example, in a health policy with Rs 5 lakh coverage you make a claim of Rs 3 lakh. The coverage available to you for remaining span of policy would be the balance amount i.e. Rs 2 lakh.