Our health insurance policy delineates specific instances where coverage is not provided. This includes treatments categorized as cosmetic or related to obesity, as well as conditions associated with pregnancy. Additionally, injuries resulting from self-harm or attempted suicide are excluded from coverage. Furthermore, the policy does not extend coverage to injuries incurred during activities such as adventure sports, warfare, nuclear explosions, or defense operations. It's important to review the policy thoroughly to understand these exclusions and ensure appropriate coverage for all potential medical needs.

Availing cashless claims is a straightforward process. Just visit any of the network hospitals listed under your medical insurance policy and receive treatment there. After your treatment, the hospital will submit the claim to the insurer, who will then settle the bill directly with the hospital. With cashless claims, policyholders are relieved of the burden of paying any expenses out of pocket.

Your health insurance policy provides coverage for medical expenses. In the event of a medical emergency, individuals can file a claim with their health insurance. However, if the policy has expired, the policyholder won't receive these benefits, and they'll have to cover medical expenses themselves. Hence, it's crucial to remember the expiry date of your health insurance policy and renew it promptly to ensure uninterrupted protection.

In health insurance, the premium amount is primarily determined by two key factors: age and coverage amount. Typically, younger individuals, viewed as healthier, pay lower annual premiums, while older individuals face higher premiums due to their increased health risks. Additionally, smokers and alcohol consumers generally have higher premiums. Moreover, factors such as occupation and location can also impact the premium of a medical insurance policy.

Yes, you are allowed to hold more than one health insurance policy. When filing a claim, you have the flexibility to decide which policy to utilize for covering your expenses. The advantage of having two health insurance plans is that if the coverage limit of one policy is reached, any additional medical expenses may be covered by the second health insurance policy.