Health Insurance

Cover for hospitalisation cost, with a network that works at admission.

Health insurance covers hospitalisation expenses up to the sum insured, subject to the policy's waiting periods, sub-limits and exclusions. Cashless treatment is available at network hospitals; other admissions follow the reimbursement route.

Room rent limits, co-payment clauses, disease-wise sub-limits and pre-existing disease waiting periods determine what a claim actually pays. These should be read before purchase rather than discovered at the hospital billing desk.

Key features

• Individual and family floater policies covering the whole household
• Senior citizen products with age-appropriate underwriting
• Top-up and super top-up cover to raise protection economically
• Critical illness policies paying a lump sum on diagnosis
• Cashless treatment at network hospitals subject to pre-authorisation
• Portability to another insurer with accumulated waiting period credit