Mediclaim or health insurance policy is a basic health cover.Enter your basic details like your age, gender, whether you want to cover yourself or your family and a sum insured value. This value will be amount of cover according your needs and it is one of essential factor for premium calculation.
Where the member of the covered family is aware of the hospitalisation 2-3 days in advance. In case of planned hospitalisation:
Where the insured meets with sudden accident or suffers from bout of illness that requires immediate admission to the hospital. In case of emergency hospitalisation:
The claims are serviced at both network and non-network hospitals.
The company ties up with hospitals for cashless claim process. When you avail of a cashless treatment in any of these network hospitals, the company would settle the claim with the hospital directly. For a complete list of network hospitals, log on to Service Provider's or TPA's website. Hospital network list of each Service Provider or TPA may vary.
Non network hospitals are the ones with which the company does not have a cashless tie up. When you avail treatment here, you first settle the bills yourself and then submit the relevant documents and bills to the service provider or TPA. The amount, consequently, is reimbursed to you based on policy terms and conditions.
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