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Our Exclusive Health Insurance Plans

Policychayan Services 01
Individual Health Insurance Plan

As an individual, secure your health with financial protection against emergency and usual medical expenses.

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Policychayan Services 02
Senior Citizen Health Insurance Plan

Specifically designed for elderly individuals to help them meet their emergency and usual medical attention needs.

Policychayan Services 03
Maternity Health Insurance Plan

Excellent financial protection for would-be mothers for medical expenses incurred during pregnancy and childbirth.

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Compare from Leading Issuers in India.

  • 01Coverage for Hospitalization Expenses: This includes coverage for room rent, medical expenses, and other charges incurred during hospitalization.
  • 02Pre and Post-hospitalization Expenses: This covers expenses incurred before and after hospitalization for a specified period.
  • 03Day Care Treatments: This covers expenses incurred for treatments that do not require 24-hour hospitalization, such as chemotherapy or dialysis.
  • 04Critical Illness Coverage: This covers expenses incurred for specified critical illnesses, such as cancer, heart attack, and stroke.
  • 05Cashless Facility: This allows policyholders to avail of treatment at a network hospital without paying for the expenses and getting reimbursement later.
  • 06Renewability: Most health insurance plans in India are renewable for life, provided the policyholder continues to pay the premium on time.


Financial Protection

Health insurance provides financial protection against medical expenses incurred due to illness or injury.


Tax Benefits

Health insurance premiums are eligible for tax deductions under section 80D of the Income Tax Act in India.


Cashless Treatment

Policyholders can avail of treatment at network hospitals without paying for the expenses and getting reimbursement later.


Peace of Mind

Health insurance provides peace of mind and reduces stress in times of illness or injury by providing financial support.

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Frequently Asked Questions

It's advisable to buy health insurance as early as possible, since the cost of premiums tends to increase with age. Additionally, early purchase of health insurance can ensure that you are covered for pre-existing conditions, which may not be covered by insurance plans purchased later in life.

Here are some factors to consider when deciding when to buy health insurance in India:
Age: The younger you are when you buy health insurance, the lower your premium will be, so it's best to buy health insurance early in life.

Health status: If you have pre-existing health conditions, buying health insurance as soon as possible is important to ensure that these conditions are covered.

Family medical history: If you have a family history of medical conditions, it may be advisable to buy health insurance at an earlier age.

Lifestyle: If you have an active lifestyle that involves exposure to risks, such as extreme sports or travel, it's important to consider buying health insurance early.

Ultimately, the right time to buy health insurance depends on your personal circumstances and needs. It's always a good idea to assess your needs, compare insurance plans, and seek the advice of a financial advisor or insurance agent before making a decision.

A medical condition existed before the policyholder's health insurance policy came into effect. These conditions may include chronic illnesses such as diabetes, heart disease, or hypertension, or they may be the result of previous treatments or surgeries.

In the context of health insurance, pre-existing medical conditions are often not covered by insurance policies, or they may be subject to waiting periods before coverage begins. This means that the policyholder may have to bear the cost of treatment for their pre-existing condition out of pocket.

It's important to disclose all pre-existing medical conditions when applying for health insurance to ensure that the policy covers all necessary treatments. Failing to disclose pre-existing conditions can result in the insurance company denying claims related to those conditions in the future.

Cashless hospitalization is a feature offered by many health insurance plans in India. It allows policyholders to receive treatment at a network hospital without paying for the expenses and getting reimbursement later.

Under the cashless hospitalization facility, the policyholder can receive medical treatment without having to pay for it out of pocket. Instead, the insurance company directly settles the bill with the hospital. This saves the policyholder the hassle of arranging for payment and then claiming reimbursement later.

It's important to note that not all hospitals may not be a part of the insurance company's network, and policyholders may have to pay for treatment at a non-network hospital and then claim reimbursement. Policyholders should carefully review the terms and conditions of their health insurance policy to understand the extent of their cashless hospitalization coverage.

Yes, you can typically claim medical bills under your health insurance policy provided the expenses incurred are covered in your policy. Most health insurance policies cover various medical expenses, including doctor visits, hospital stays, diagnostic tests, and prescription drugs. The specific expenses that are covered and the extent of coverage vary depending on your policy type and the insurance provider.

To make a claim, you need to submit a claim form and supporting documentation, such as receipts or bills from the healthcare provider, to your insurance company. The company will then review the claim and determine the amount they will reimburse you. In some cases, there may be a deductible or co-pay that you need to pay before the insurance company will start covering the expenses.

It's important to familiarize yourself with the details of your health insurance policy, including what is covered and what is not, so you can make informed decisions about your healthcare and understand what you may need to pay out of pocket.

The time it takes for a health insurance claim to be settled can vary depending on several factors, such as the complexity of the claim, the insurance company's claims process, and the availability of required documentation. However, here are some general time frames that you can expect:

Cashless claims: If you choose the cashless option and seek treatment at a network hospital, the insurance company will directly settle the claim with the hospital. In this case, the settlement can typically be done within a few hours to a few days.

Reimbursement claims: If you seek treatment outside the network or choose not to opt for the cashless option, you will need to pay for the medical expenses upfront and then submit a claim for reimbursement. The settlement of a reimbursement claim can take anywhere from 7 to 30 days, or sometimes even longer, depending on the insurance company's claims process and the completeness of the documentation you provide.

It's important to note that these are general time frames, and the actual settlement time for your claim may be shorter or longer, depending on the specific circumstances. To avoid delays in settling your claim, it's a good idea to keep all your medical bills and receipts organised and submit your claim promptly, along with all the required documentation.