There is no hospitalization expenses or cashless benefit under Critical Illness policy. The insured is paid an amount equal to the sum insured at the time of diagnosis of a critical illness.

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Yes, depending on your age, plan, sum assured and other factors, the insurer company may require you to undergo a medical check.

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No, once a claim for a particular Critical Illness has been admitted and paid, the coverage under the Policy will automatically terminate for that insured person.

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The Critical Illness Cover generally do not insure you against following: 
i) Critical illness diagnosed within first 90 days from the inception of policy 
ii) Death within 30 days of diagnosis of critical illness or surgery
iii) Illness due to smoking, tobaco, alcohol or drug intake 
iv) Illness occuring due to internal or external congenital disorder 
v) Critical conditions or consequences due to pregnancy or childbirth, including caesarean 
vi) HIV/AIDS infection 
vii) War, terrorism, civil war, navy or military operations 
viii) Any dental care or cosmetic surgery 
ix) Infertility treatment 
x) Hormone replacement treatment 
xi) Treatment to assist reproduction 
However, the above conditions may vary from insurer to insurer.
 

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A Family Floater Health Plan covers all the family members under one single plan. The total sum insured is fixed and gets exausted as and when any member avails medical services and makes a claim.

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The members coverable under a family floater can be the policyholder and his/her parents, spouse and children. Some plans also give option to cover parent-in-laws as well.

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Premium spent for Health Insurance Premium can be claimed for deductions under Sec 80D with some limitations according to age.

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No

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No, all health insurance policies do not cover dental insurance as standard coverage. If your plan has an inbuilt feature then you can get the coverage. Some policies offer the same as add on features.

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A “Top-up” health policy is an additional coverage for a person/family already having an existing health insurance. It is for reimbursement of expenditure which arises out of beyond a threshold limit of the existing cover. Reimbursement can be one time hospitalisation or recurring during a policy term.

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Regular top-up health insurance plan only covers claims when a single claim surpasses the threshold limit, the super top-up plan is similar to top-up plans that enhance your health insurance sum insured. However, the difference is that super top-up plans work on the total medical expenses incurred during the policy year and not on a per claim basis.

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Hospital Cash Benefit is a facility that provides a fixed sum for each day of hospitalisation of more than 24-hours. It is a fixed daily allowance that is paid to the policyholder to meet miscellaneous expenses during the period of hospitalisation.

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The Air Ambulance facility combines air transport with basic emergency medical services that can transport sick or injured patients to and from healthcare facilities.

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No-claim bonus (NCB) is a discount in premium offered by health insurance companies if a Policy holder has not made a single claim during the term of the health insurance policy.

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Auto Restoration benefits in health insurance let the insurer restore your sum insured to the original amount when it is exhausted by claim.

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Recharge benefit available under health insurance policy restores the sum insured when it gets reduced due to a claim.

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Most of the health insurance policy does not cover Maternity related expenses except some Individual/Floater Policy where it is clearly mentioned and some group insurance policy. There are certain conditions for maternity related cover that may vary as per policies.

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Organ donor expense benefit covers the medical and surgical expenses of the organ donor when harvesting a major organ transplant for the insured.

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The pre-policy medical screening refers to the medical examination that is requested by the health insurance company before the health coverage is provided to the person.

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Sum insured in health insurance is the maximum value for a particular year that the insurance company can pay you in the event of a hospitalisation.

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