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FAQs

Frequently Asked Questions

While an FAQ is traditionally thought of as a basic list of questions and answers, it can also be part of our automated help center—a comprehensive knowledge base that empowers our customers to find solutions independently. This can allow you to build and manage help articles over time. If you’re trying to find out self-service options, this FAQ page is a great place to start. It’s helpful for our customers with a wide range of needs, and it’s affordable and quick to implement.

Mis-selling of insurance policies refers to when an agent or intermediary purposefully sells a client an insurance policy that is not what it is, is not fully explained to them, or is offered to them outside their intended target market.

Generally, expenses 30 days before the hospitalization and 60-90 days post discharge from the hospital are covered in the medical policy. We help apply your reimbursement at a nominal cost of INR 1000 taking away the hassles of filling and submitting the claim forms.

It is essential to disclose your smoking or alcohol consumption habits while purchasing insurance as it would be unethical to withhold this information and may result in claim rejection.

Typically, there's a waiting period of 30 days from the insurance policy's start date.

If admitted to a hospital outside your network, you would typically need to pay the bills upfront and seek reimbursement from your insurance company afterward.

We help you represent your case with the Insurance Company, Insurance Ombudsman (Bima Lokpal), and consumer court depending on the case.

Once your case is accepted and registered, you can get real-time case updates on our website via customer login.

A one-time registration fee of INR 500, including GST, is applicable for all life, health, and general policies for you and your family members after case acceptance.

Once we successfully resolve your insurance complaint, we charge a success fee of 15% of the amount received (plus GST).

Any insurance-related matter problem totally depends on the case. So, it is advisable to be patient during the entire process.

You can be sold an insurance policy wrongfully in many ways. Let us take a look at some of them: o Promising interest-free loan on a mortgage or insurance plan. o The promise of free health insurance. o Insurance sold as a Fixed deposit in a bank.

There are many reasons why your insurance claim can get rejected, such as a delay in Health Claim Reimbursement, insurance policy exclusions, PED not disclosed, etc. It is important to avoid any such insurance claim rejection scenarios.

A claim can be delayed due to pre-existing conditions, especially if the insurance company needs to review the policyholder's medical history or obtain additional information from the healthcare provider.

Yes, a short-settled claim may be re-submitted for payment.

Access the 'Know Your Policy' feature on our website at customer self-service portal to upload your complete policy document and identify any errors or inconsistencies that could result in claim rejections or delays in the future.

Mis-selling of insurance policies refers to when an agent or intermediary purposefully sells a client an insurance policy that is not what it is, is not fully explained to them, or is offered to them outside their intended target

There are many ways by which an insurance policy can be mis-sold to you. Some examples are: o Insurance sold as a fixed deposit in the bank. o Promise of tower installation. o Promising interest free loan on the mortgage of the insurance policy.

Once you receive the date and time, attending the Ombudsman hearing is a one-time requirement.

Once your case is accepted and registered, you can get real-time case updates on our website through customer self-service portal.