Complete Health Solution Ultima

Health insurance should be bought by one and all. It could be a health insurance for an individual or for the family. With a health insurance plan, you can secure your healthcare expenses. It will safeguard you from sudden medical expenses of surgeries, hospitalizations, and more.

A top-up in health insurance acts like a booster to the plan. It is an indemnity policy that offers you additional coverage for your healthcare needs in addition to your health insurance policy. If you have exhausted the sum insured of your regular health insurance policy, a top-up gives you add-on benefits.

Just like you can port your mobile number from one telecom provider to another, you can port health insurance as well. Yes, health insurance portability is real, and it means that as a policy holder, you can port your health insurance policy to a different insurer. The benefits offered in your insurance policy will continue to remain the same. It also means that with health insurance portability, you can get better coverage, services and even prices.

If you have a health insurance or a medical insurance policy, you can file a claim multiple number of times during the insurance policy term but provided these claims are within the sum insured limit. For example, if your health insurance policy has a sum insured of 5 Lacs and you have been hospitalized 3-4 times, each time the claim amounting to 1 lac, it will be paid by the insurance company as it falls within the range of 5 Lacs.

A medical examination is a must before availing any kind of insurance. This examination is conducted for the health insurance company's understanding of your overall health and it helps them determine the premium of the policy. While medical tests are a mandate for most health insurance companies, you can avail a health insurance policy without a medical examination. For this, the premium will be calculated based on your age, the sum insured amount and the discretion of the insurer.

Yes, a person can have more than one health insurance policy. However, at the time of claim, you cannot claim the same expense amount from all insurers. If in case, one cover is not sufficient, the other health insurance policy can be utilized to cover expenses.

A health insurance company has tie-ups with a large number of hospitals. When you buy a health insurance policy, they will give you a list of hospitals that fall in their network, i.e., these hospitals have agreed to providing the insured, that is you, the benefit of cashless hospitalization. Plus, within the network hospitals, all bills will be settled directly by the health insurance company.

According to the IRDAI, any individual upto the age of 65 years can get health insurance. Also, there are comprehensive senior citizen health insurance plans available for older individuals between the age group of 65 to 80 years. On the other hand, there is no set lower age limit to buy a health insurance policy. However, it is a must for every individual to safeguard themselves with a health insurance policy.

A free look period is defined as the required time period during which a health insurance policyholder can terminate the policy without any penalties or fines or surrender charges. This free look period can last upto 10 days. During this time, it is upto you, the policyholder to decide whether or not they want to keep the insurance policy. If dissatisfied, they can cancel the policy and get a complete refund.

The health insurance policy offered by the employer will have a standardized sum set aside for each of the employees. While this is not bad, it may not be enough. Safeguarding yourself with a health insurance policy is the best way forward as it will take into account your age, your dependents, your overall health factors and offer you a much larger sum insured.

A pre-existing illness is any health issue that the person or proposer already suffers from at the time of purchasing the health insurance policy. These pre-existing diseases or conditions include health problems such as thyroid, asthma, diabetes, blood pressure, etc.