In India, health insurance works by providing financial coverage for medical expenses based on the terms of your policy. When you purchase a policy, you pay a premium to the insurance company. In return, the insurer covers your medical expenses up to the sum insured. Coverage can include hospitalization, surgery, day-care procedures, and sometimes preventive healthcare. As brokers, we offer a range of plans from different insurers, helping you find the best fit based on your health needs and financial situation.

Before purchasing health insurance, consider factors such as the sum insured, premium cost, coverage benefits, network hospitals, and claim settlement ratio. Additionally, check for any waiting periods, exclusions, and sub-limits on specific treatments. It's also important to assess whether the policy covers pre-existing conditions and offers cashless hospitalization. As your insurance broker, we analyze these factors across various insurers to recommend the most suitable plan for you.

Yes, you can cover your entire family under a single health insurance policy through a family floater plan. A family floater provides coverage for all members of the family under one policy with a shared sum insured. This option is cost-effective compared to buying individual policies for each member. We help you compare different family floater plans from various insurers to find the one that offers the best benefits and coverage for your family.

A cashless treatment facility allows you to receive medical treatment without paying out-of-pocket at the time of hospitalization. The insurer directly settles the medical bills with the hospital, provided the hospital is part of the insurer's network. To avail of this, you need to inform the insurance company and get pre-authorization for the treatment. As brokers, we guide you through the process, ensuring you choose a plan with a wide network of hospitals offering cashless services.

Pre-existing conditions refer to any illness or medical condition that you were diagnosed with or received treatment for before buying a health insurance policy. Most health insurance plans cover pre-existing conditions after a waiting period, which typically ranges from 2 to 4 years. During this period, the insurer may not cover any claims related to these conditions. We help you find plans with favorable waiting periods and coverage terms for pre-existing conditions.

Yes, health insurance policies typically have a waiting period during which certain conditions are not covered. This period can range from 30 days to 4 years, depending on the insurer and the specific condition. Common waiting periods include 30 days for general coverage and 2-4 years for pre-existing conditions. As brokers, we provide you with detailed information on the waiting periods of various plans, helping you select one that aligns with your needs.

A no-claim bonus (NCB) is a reward offered by insurers for not making any claims during the policy year. It can result in an increase in your sum insured at no extra cost or a discount on your renewal premium. The NCB percentage increases with each claim-free year, making it a valuable benefit. We help you understand the NCB structure of different insurers and how it can impact your coverage over time.

To file a health insurance claim, you can either opt for a cashless claim at a network hospital or a reimbursement claim at a non-network hospital. For a cashless claim, notify the insurer and get pre-authorization for treatment. For reimbursement, pay the bills and submit the necessary documents to the insurer for reimbursement. We assist you throughout the claims process, ensuring that you understand the steps and provide the correct documentation to expedite your claim.

Yes, you can port your health insurance policy to another insurer without losing the benefits, such as waiting periods already served. Portability allows you to switch insurers if you're dissatisfied with the current policy or find a better plan. The new insurer will evaluate your health status and the previous policy before approving the port. We assist you in the portability process, comparing new plans and ensuring a smooth transition without losing your accrued benefits.