Learn about common policy features so you can ask informed questions before selecting a plan for yourself or your family.
Insurance terms can feel confusing at first. These three important features can help you understand what to look for before choosing a health insurance policy.
Think of the sum insured as the maximum amount available for eligible medical expenses under your policy, subject to its terms, limits and conditions.
Review the cover amount, room-rent limits, co-payments and any treatment sub-limits.
Some illnesses, treatments or pre-existing conditions may become eligible for cover only after a specified waiting period. The duration depends on the policy.
Understand initial waiting periods, pre-existing disease conditions and treatment-specific waiting periods.
At eligible network hospitals, approved expenses may be settled directly with the hospital by the insurer or its administrator, subject to policy terms and authorisation.
Check network hospitals, pre-authorisation requirements and expenses that may still be payable by you.
When it comes to your health and family, the cheapest policy is not always the one that best fits your needs. Understanding what is covered can help you make a more informed decision.
Before selecting a policy, take a little time to understand its benefits, limitations and conditions. The right questions today can help you better understand your options tomorrow.
Ask About Health InsuranceReview the sum insured, covered treatments, room-rent limits and applicable sub-limits.
Understand when specific conditions may become eligible and what the policy excludes.
Check co-payments, deductibles and other costs you may need to pay from your own pocket.
Review network hospitals, cashless approval requirements and the claims process.
Policy benefits, exclusions, waiting periods and claim payments depend on the insurer's policy terms and applicable conditions.
