Explore Health Insurance FAQs and Ask Your Questions
Considering health insurance? Questions often arise in the process. Our platform streamlines the journey by providing straightforward answers to prevalent health insurance FAQs. Dive in to discover the information you’re looking for. Moreover, feel free to ask health insurance questions you have in mind for personalized insights. BimaBandhu simplifying health insurance – our responses to your questions, helping you make informed decisions.
How can I add my family members to my existing policy? Read Answer
Adding family members to your existing health insurance policy is a simple process. Contact your insurance provider through their customer service hotline or online portal. You'll need to provide basic information about your family members, such as their names, dates of birth, etc. This ensures accurate identification and smooth inclusion in your policy. The insurance company will guide you through any specific requirements or documentation needed. Keep in mind that adding family members may result in adjustments to your premium, so inquire about any associated costs during the process.
Do I have to undergo any medical examination before buying health insurance? Read Answer
For younger individuals and lower coverage amounts, insurers may offer policies without a medical examination. However, for older individuals or higher coverage, insurers might request a medical examination to assess the applicant's health risk. It's advisable to check with the insurance provider to understand their specific requirements and processes for medical examinations during the policy application.
What are pre- and post-hospitalisation expenses? Read Answer
Pre-hospitalization expenses cover medical costs incurred before a patient is admitted for treatment, such as diagnostic tests or consultations. Post-hospitalization expenses, on the other hand, include medical costs that occur after the patient is discharged, such as follow-up consultations or prescribed medications. Most health insurance policies cover these expenses to provide comprehensive financial support to the insured individual throughout the entire treatment process. Understanding the coverage for these expenses is crucial when selecting a health insurance policy. To know more top health insurance companies, read this updated list.
What does cashless hospitalization mean in health insurance? Read Answer
Cashless hospitalization in health insurance refers to a facility where policyholders can receive medical treatment at network hospitals without making upfront payments. Instead of paying for medical expenses out of pocket, the insurer settles the bills directly with the hospital. This facility streamlines the payment needs and provides convenience and financial relief to the insured. Here, the insured must get the treatment in network hospitals to benefit from the cashless facility. Non-network hospitals may require the insured to pay upfront and then ask for reimbursement from the insurance company.
What do you mean by pre-existing diseases? Read Answer
Pre-existing diseases are medical conditions/illnesses that an individual already has when purchasing a health insurance policy. These conditions need to be disclosed by the policyholder during the application process. Coverage for pre-existing diseases often comes with waiting periods, during which the policy might not provide benefits for expenses related to these diseases. As a policy buyer, you must thoroughly understand clauses related to pre-existing diseases and disclose the same when buying health insurance.
What is health insurance portability? Read Answer
Health insurance portability is a feature that enables policyholders to transfer their existing policies from one insurance company to another while retaining key benefits. The benefits that can be retained include waiting periods served, No Claim Bonus, and other accrued advantages. This feature allows individuals to choose a different insurer without losing the investment in their health coverage. It also fosters competition among insurance providers and encourages them to offer better services and benefits to attract customers.
Want to ask an insurance-related question? Fill the form below.
The health insurance FAQs provided here are contributed by end users. Their answers aim to enhance awareness about health insurance and improve understanding of insurance terms. We do not endorse or recommend any particular health insurance product. For personalized advice on health insurance decisions, it is essential to consult with an insurance advisor.