Cover is only useful if the hospital desk accepts it at midnight.
Health cover fails people in predictable ways: a waiting period nobody explained, a room-rent sub-limit that cuts the whole claim proportionally, a network hospital that quietly dropped off the list, a pre-existing condition that was never declared.
We facilitate individual, family floater, senior citizen and top-up policies from partner general and health insurers, and we make the constraints explicit before purchase. When admission happens, our desk helps with pre-authorisation and, where cashless is declined, with the reimbursement file.
What this covers
- Individual, family floater, senior citizen and critical illness products
- Top-up and super top-up cover to raise the sum insured economically
- Clear walk-through of waiting periods, sub-limits, co-pay and room-rent conditions
- Pre-existing disease declaration handled correctly at proposal stage
- Cashless pre-authorisation support at the time of admission
- Reimbursement claim file preparation when cashless is declined
How we run it
Read the limits
Room rent, co-pay and sub-limits decide what a claim actually pays. We go through them first.
Portability
An existing policy can often be ported without losing accumulated waiting-period credit.
At admission
A number that is answered when the hospital's insurance desk asks for pre-authorisation.