Health Insurance: FAQs

In cashless, the insurer pays an eligible bill directly to a network hospital. In reimbursement you pay first and claim back with documents.

A floater is usually cheaper but the sum insured is shared. Separate policies give each person a full cover amount, which can suit families with older members.

Often yes, with a waiting period or loading for that condition. Declare it honestly; we can help match you with suitable plans.

After 60 months of continuous cover with the same insurer, claims generally cannot be contested on grounds of non-disclosure except for fraud.

Hospitalisation due to infectious illnesses is generally covered as with any illness, subject to policy terms. Check for epidemic-specific clauses.

A plan that pays once your claim crosses a deductible. It is a low-cost way to increase total cover on top of a base policy.

Premiums may qualify for deduction under Section 80D under the old tax regime, within limits. Check current rules with a tax professional.

You can port at renewal. Waiting-period credits already served and bonus are generally carried to the extent of the earlier sum insured.