Is long term and critical illnesses covered? Like diabetes, cancer and cholesterol?
Are dependents covered?
What is the maximum period of the policy?
Is any medical test required to take the policy?
Is any treatment from abroad covered?
Do I still need a personal accident insurance if I already have a life insurance?
Is AIDS and other sexually transmitted diseases covered?
Is mental illness covered?
How long does it take to pay the claim?
What documents are required at the time of making a claim?
Is pregnancy and dental included in the policy?

Is long term and critical illnesses covered? Like diabetes, cancer and cholesterol? | top

Under cooperate health insurance, long term and critical illnesses are covered but in individual policy there is a waiting period for these illnesses.

Are dependents covered? | top

All the Health Insurance packages can be extended to cover their immediate family with extra premium

What is the maximum period of the policy? | top

Policy period is one year from the inception of the policy. Eg. 01/05/2007 to 30/04/2008

Is any medical test required to take the policy? | top

For group health medical check-up is not required whereas for individual policies medical check-up is required

The pool idea work because not everyone in the pool will have a loss but the premiums of all who contributed will be sufficient to pay any claims.

Is any treatment from abroad covered? | top

Treatment from India, Sri Lanka and Thailand is covered.

Do I still need a personal accident insurance if I already have a life insurance? | top

Yes, you do. Personal accident insurance covers permanent disablement such as loss of sight, limbs and hearing resulting from an accident and medical expenses, which might not be covered under the life insurance.

Is AIDS and other sexually transmitted diseases covered? | top

AIDS and other sexually transmitted diseases are not covered under health insurance

Is mental illness covered? | top

Not covered

How long does it take to pay the claim? | top

Normally it takes 7 working days to settle a claim

What documents are required at the time of making a claim? | top

All the paid receipts, memos, prescription and other related documents.

Is pregnancy and dental included in the policy? | top

Under corporate policy pregnancy and dental also covered.

Is individual health being covered? | top

No.