Read the fine print before you need it
Two health policies with the same premium can behave very differently. Waiting periods for pre-existing conditions, room-rent limits, co-payment clauses, disease-wise sub-limits, restoration benefits and the network hospital list near your home all change what you actually receive at the counter.
We lay these terms side by side from the prospectus and policy wordings of the insurers we are associated with, so your decision is based on documents and not on a sales pitch.
Issuance of a policy is the sole decision of the insurance company, based on the proposal form, medical underwriting and its own guidelines.
The paperwork side of it
- Individual, family floater and multi-year options
- Senior citizen and pre-existing condition covers
- Top-up and super top-up covers over an existing policy
- Cashless network hospital checks in your locality
- Renewal reminders and claim intimation support
Galaxy Health · Star Health · ICICI Lombard · Bajaj Allianz
Before you sign anything
It is the initial span, counted from policy commencement, during which certain illnesses or pre-existing conditions are not payable. The exact periods are stated in the policy wording and differ between insurers.
Employer cover ends when the employment ends and the sum insured may be modest. Many families keep a personal policy running alongside so that continuity and waiting-period credit are not lost.
Claims are assessed and settled by the insurance company or its TPA. We assist you with intimation, document collation and follow-up. The decision rests with the insurer.
Insurance is the subject matter of solicitation. Abhilasha Wealth is an associate / point-of-sale entity of IRDAI-registered insurance companies. Acceptance of a proposal, the premium charged and the settlement of a claim are decided solely by the insurer as per the policy terms and conditions.
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Have a question about Health Insurance?
Call us during working hours or send a WhatsApp message. We will walk you through the documents, the costs and the process before anything is signed.