Frequently Asked Questions


What are Pre and Post Hospitalization expenses?

Pre hospitalization expenses means the medical expenses incurred for specified number of days prior to hospitalization for any disease / illness / injury sustained which is covered under the Policy. And post hospitalization expenses means the medical expenses incurred for a specified number of days after discharge from the Hospital.

What is meant by Day Care Procedures?

Day care procedures are the medical procedures/surgeries wherein the person does not need to get hospitalized for more than 24 hours due to technological advancement.

What is meant by Organ Donor Expenses?

Organ donor expenses All hospitalization expenses incurred by the donor for donating an organ(excluding the cost of the organ) to the insured during the course of an organ transplant.

What do you mean by Pre-Existing Diseases?

Any condition, ailment or injury or related condition(s) for which insured person had signs or symptoms and/or was diagnosed and/or received medical advice/treatment within48 months prior to your first policy with the company.

What is meant by disease?

Disease means a pathological condition of a part, organ, or system resulting from various causes, such as infection, pathological process, or environmental stress, and characterized by an identifiable group of signs or symptoms.

What are the benefits of a Health Card?

A health card mentions the contact details and the contact numbers of the TPA. In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance. Moreover, you need to display your health card at the time of admission into the hospital.

Are all members eligible for a Health Card?

Yes, all the policyholders are eligible for the Health Card as it is an important component of the policy.

What is meant by Network Hospitals?

These are the hospitals that form part of the TPA network (part of the company tie-up list).

What is meant by Non-Network Hospitals?

These hospitals do not form part of the companies tie-up list. The bills are settled by the Insured and the relevant documents and bills are subsequently submitted to the TPA. The amount, consequently, is reimbursed to the Insured.

Whom to contact in case of hospitalization?

In case of a claim you need to contact our Helpdesk or contact numbers provided.