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Everyday Care This add-on covers you for 2% of the sum insured for doctor's consultation as well as diagnostic tests. Kindly note that the benefit is above the in-built coverage offered under the policy.

Claim Shield: Under this benefit, we shall cover the expenses of 68 non-payable items out of a total of 105 non-payable items like gloves, masks, etc.

Yes, it is possible to reduce the waiting period under a health insurance policy. Some insurance companies offer an option to reduce the waiting period by opting for a waiting period waiver. However, such waivers can be obtained by paying an extra premium amount.

The Insurance Regulatory and Development Authority of India (IRDAI) defines pre-existing diseases (PED) as injuries, sickness, or any medical conditions diagnosed before buying a health insurance policy. Severe cases of injury are also considered PED in some policies.

Pre-Existing Diseases Waiting Period (PED) As per the IRDAI, a pre-existing disease refers to any condition, ailment, injury or disease that has been diagnosed up to 48 months before buying your health insurance policy. Some examples of preexisting diseases include diabetes, hypertension, thyroid, etc.

Insurance Coverage Of Colonoscopy In general, the cost of this diagnostic procedure isn't covered under insurance. However, if it's performed as part of a pre-surgery diagnosis, your insurance provider may cover its cost in the cost of surgery.

FAQ About Reduction in PED Waiting Period If the policyholder fails to reveal the PED when purchasing the policy or even after 3 months, their coverage may be rejected if they had previously filed a claim for hospitalisation for the same disease. This is just during the first eight years of insurance.

What Does 20% Coinsurance Mean? A 20% coinsurance means your insurance company will pay for 80% of the total cost of the service, and you are responsible for paying the remaining 20%. Coinsurance can apply to office visits, special procedures, and medications.

The National Health Policy aims to achieve the following goals: It aims to offer superior health services to every age group and gender. The policy focuses on providing universal access to excellent quality health care services at a reasonable cost. Promoting health care orientation in every developmental policy.

Check the waiting period: Health insurance plans with PED coverage generally have a waiting period up to four years. The companies also offer an add-on for the reduction of the PED waiting period from four years to two or one year, which might be useful for you in future.