Page 355 - Ebook health insurance IC27
P. 355
Sashi Publications
Individual policy at a older age it will be difficult to get as many tests may be required
to purchase a new policy.
Q. Will the health insurance policy provide cover in case of any hospitalisation
abroad?
The health insurance policy is meant to cover hospitalisation only in India. To cover
hospitalisation abroad, you need to take a travel insurance policy.
Q. Is health Insurance Policy transferable?
A health insurance policy is not transferable. This is because; the premium for the
policy is based on your age, medical history, family medical history etc. which will
be different for different people.
Q. Is there a limit on the number of claims that can make in the year on the
policy?
No there is no limit on the number of times you can claim in the year on your policy.
As soon as you incur a claim, you need to submit the claim documents. All claims
will be processed then and there subject to the availability of the sum insured under
the Policy.
Q. Should the claim be submitted with the insurance company or with TPA?
Preferably at TPA.
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