I have a health insurance policy covered by my office; will it cover me for my overseas holiday?
Your domestic health insurance will not cover once you are out of your home country. You need to have overseas health insurance while travelling abroad. You have to check with your company regarding this and then act accordingly.
What if I cancel the policy?
On cancellation the cover will not exist from the date of cancellation. Also as elaborated in your policy, the premium will be refunded to you on the basis of short period cancellation rate.
How many times can I file a claim?
There is no restriction for repetitive claims for hospitalization including its pre and post expenses provided the coverage amount is available.
Are there any bonuses available in the event of no claims?
Normally insurers offer either a no claim or a no claim bonus in the form of enhanced Sum Insured.
I bought health insurance in Delhi can I use it in Mumbai?
Yes, you can use domestic health insurance policy across the country, no matter where you bought it.
Who will receive the claim amount if the insured dies while treating?
The claim amount will be paid to the nominee of the insured. In case the nominee is not specified by the insured then the insurance company will insist upon a succession certificate from a court of law for disbursing the claim amount.
