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| Do you cover Pre-existing diseases? |
| Pre-existing diseases are covered subject to sub-limits and waiting period. These diseases are covered after 4 years provided the policy is renewed with us for the said period. |
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| Can I have an Insurance cover higher than Rs 3 lakh for individual or Rs 5 lakh for others? |
We currently do not provide an Insurance cover higher than Rs 3 lakh for individual or Rs 5 lakh for others.
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| How do I select the appropriate cover amount? |
The appropriate cover amount ought to be determined on the basis of the following factors:
 | Your age : Age is a critical factor for determining the cover since health risk increases with age. |
| Pre-existing / hereditary diseases : Pre-existing diseases are covered subject to sub-limits and waiting period.
For example: A person whose parents suffer from Diabetes is more prone to the disease, so we recommend a higher cover at an early age so that the pre-existing also gets covered. |
| Moreover, also consider your financial status and lifestyle before selecting the coverage amount. |
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| Does a higher cover mean preferential treatment in case of hospitalisation & claim? |
| No, a higher cover does not entitle you to preferential treatment. Irrespective of the insurance cover you buy - either a Rs. 2 lakh cover or a Rs. 4 lakh cover - you would get high quality service and treatment at our network hospitals. |
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| Can I have a health insurance cover of less than Rs 2 lakh? |
| Yes. You may buy Family Floater Health Insurance for 1 individual which offers a sum insured of Rs. 1 Lakh. |
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| Does a higher cover guarantee better protection? |
| A higher cover protects you from a medical emergency which can burn a hole in your procket. Today, people are more prone to various ailments and health problems due to fast-paced lifestyle and erratic schedules. Rising medical cost is a major deterrent, and thus, a higher cover would guarantee you a better protection. |
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| Which diseases are not covered and till what term from the start date of the policy? |
| Pre-existing diseases are covered subject to sub-limits and waiting period. These diseases are covered after 4 years provided the policy is renewed with us for the said period. |
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| Am I entitled for cover immediately after I take my policy? |
| For the first 30 days after your policy is activated, you would avail of accidental cover immediately. However, you would not be entitled for any cover for sickness. |
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| I have a family of more than four members, would I need to buy an additional policy? |
| One policy covers a family of four - defined as self, spouse and dependent children. If adults/children are more than 2, you need to buy an additional policy for each of the additional members. |
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FAQs 
