Ask an Expert - Your Personal Insurance Advisor

Dear Ashok,



Unless I know the details of the policy and how much total coverage you have and how long you have this policy and earned No Claim Bonus, it is very difficult for us to be able to say anything definitely about this plan.



However, if there are sub limits to this plan, then your claim amount... Read More>>

Dear Abhijeet,



Mediclaim Policies usually cover treatments only and not diagnosis. However, it depends on the terms and conditions of policy as well. Since your wife did not undergo a treatment, they might decline the claim as an exclusion.



However, you can apply to the insurance company directly for... Read More>>

Dear Abhijeet,



Since this doubt has crossed your mind, you would need a definite answer so that you can rest in peace that if anything unfortunate were to happen to you, your family would not be penalized for not informing the insurance company.



Thus, it is best that you write to the insurance company... Read More>>

How is the claim process related to whether it is an online policy or an offline one? The insurer makes no distinction between the two, so how does it matter whether you purchase an online policy from a Life Insurance Company or an Offline one?



So, be rest assured and choose an online policy only if... Read More>>

You need to contact the TPA and check with them why the remaining amount has not been paid. it could be possible that the coverage does not allow. In either case you can make the payment and then file for reimbursement with the TPA. They might settle the rest of the claim accordingly.



If you need any... Read More>>

It is an amazing thing that ylo had informed the TPA in advance since you need to get approval for planned hospitalization. All you need to do is contact the TPA and then fill up the required forms for your hospitalization so that your cashless mediclaim is processed and there is no delay in claim... Read More>>

You need to check with your insurance company if your claim can be admitted without the registration certificate. Since it varies from company to company, it definitely needs to be checked with the insurance company.



Or, if you let us know which insurance company you have the policy with, we might... Read More>>

Since The TPA has rejeceted your claim and you think it is unjustified, then you can forward your grievances or complaints to Insurance Regulatory and Development Authority (IRDA). They may also helo you to settle your claim with the Insurance Company.

Alternatively, if the insurance company is not... Read More>>

There are some Day Care procedures like cataract surgery, coronary angiography, etc. which are covered even without a minimum of 24 hours hospitalization. These day care procedures are mentioned in the Policy Document. However, other complications including emergency hospitalization require a... Read More>>

For claim settlement you need to either contact your agent or the TPA(Third party Administrator) for your claim settlement. It also depends on the policy coverage and the terms and conditions of your policy, and the extent of the day care procedures being covered. If you have critical illness cover... Read More>>