Health Insurance FAQ – Npolicycare
Why You Need Health Insurance
Why is health insurance important?
Medical expenses are increasing every year. Health insurance helps you pay hospital bills during illness or accident and protects your family savings.
Why should I buy health insurance through an agent instead of online?
Buying online is easy, but claim time support and proper guidance is difficult. As your agent, I support you with:
Right plan selection based on your budget and needs
Company comparison and benefits explanation
Cashless and reimbursement claim guidance
Claim documentation support
Renewal reminders so your policy never lapses
What is the best age to buy health insurance?
The earlier you buy, the better. Premium is lower at young age and you complete waiting periods easily while you are healthy.
Understanding Your Coverage
What does a standard health insurance policy cover?
Most health insurance plans cover:
In-patient hospitalisation expenses
Room rent, ICU, doctor fees, medicines (as per policy limits)
Pre & post hospital expenses (as per policy)
Day care procedures (treatments under 24 hours)
Ambulance charges (as per policy limits)
What is NOT covered in health insurance?
Common exclusions include:
Cosmetic treatments and non-medical procedures
Self-inflicted injuries
Alcohol or drug related treatments
Treatments during waiting period
Non-payable items / consumables (as per policy rules)
What are non-payable items in hospital bill?
Non-payable items are charges like gloves, masks, cotton, sanitizer, registration, etc. These may not be covered by insurance as per policy rules.
Does health insurance cover pre-existing diseases like BP, Diabetes, Thyroid?
Yes, but after the waiting period mentioned in the policy. Usually it is 2 to 4 years, depending on the insurer and plan.
Choosing the Right Plan
Which is better: Individual policy or Family Floater policy?
Family Floater: One sum insured shared by all family members. Good for young families.
Individual Policy: Separate cover for each person. Better for senior citizens or members with health issues.
How much sum insured is enough for a family?
For Hyderabad, many families prefer ₹5 Lakhs to ₹10 Lakhs or more depending on age, lifestyle, medical history, and hospital preference. I will guide you to choose the right cover.
Can I increase my sum insured later?
Yes, you can increase sum insured during renewal (as per insurer rules and medical requirements).
Can I port my existing health insurance policy?
Yes. You can port your policy from one insurer to another and continue benefits like waiting period credit (as per portability rules).
Claims & Cashless Support
What is cashless hospitalisation?
Cashless means you take treatment in a network hospital and the insurance company pays the hospital directly (as per approval and policy terms).
What is reimbursement claim?
If you take treatment in a non-network hospital, you pay the bill first and later submit documents to the insurer for reimbursement. I will help you with the complete process.
How do I take a cashless claim?
Simple steps:
Visit a network hospital
Show your health card and ID proof
Hospital sends pre-authorisation request to insurer
After approval, treatment starts
Which hospitals in Hyderabad provide cashless treatment?
Cashless is available in the network hospitals of your selected insurance company. Network hospitals may change, so I will help you check the latest network list before admission.
What documents are required for a health insurance claim? Common documents are:
- Discharge summary
- Final hospital bill and payment receipts
- Doctor prescriptions
- Lab test reports
- ID proof (Aadhaar/PAN)
- Policy details
Premium, Renewal & General Questions
How is premium decided?
Premium depends on:
- Age
- Sum insured
- Medical history
- City
- Plan benefits and add-ons
Can I pay premium monthly?
Some insurance companies allow monthly/quarterly/half-yearly payment options. It depends on the plan.
What happens if I miss the renewal date?
Your policy may lapse and you may lose continuity benefits like waiting period credit. I will remind you before renewal to avoid any gap.
Will you support me during claim time?
Yes. I provide end-to-end support during claim process and help you with documentation and insurer communication.
Our Partner Insurance Companies
We provide health insurance from:
HDFC ERGO | Star Health | Niva Bupa | New India Assurance
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