Bajaj Extra Care Top Up Health Insurance Plan

 Bajaj Extra Care Top Up Health Insurance is a top-up health insurance plan that allows one to extend  existing health insurance cover by  two/three times at a significantly lower cost, should the need arise. If the claim amount is more than the deductible, the amount above the deductible amount opted for will be payable by Bajaj Extra Care Top Up Health Insurance, up to the sum insured opted for. Deductible means the amount stated in the schedule which shall be borne by the insured with respect to each and every hospitalization claim incurred within the policy period. The company’s liability to make any payment for each and every claim under the policy is in excess of the deductible. Each and every hospitalization would be considered as a separate claim except relapse within 45 days, which will be treated as the same claim.

Main Features of Bajaj Extra Care Top Up Health Insurance

-Minimum Entry Age:  18

-Maximum Entry Age: 70

-Children from 3 months to 5 years can be covered if both the parents are insured under the same plan

-Children from 6 years to 18 years can be covered if either of the parents is covered with us

-Children from 18 years to 25 years can be covered as self-proposer or as dependents

-No pre-acceptance medical checkup up to 55 years of age, subject to a clean proposal form

-Pre-existing diseases covered after waiting period of 4 years

-This policy can be taken on Individual Basis and also on Floater basis

-Lifetime Renewal

-A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions (Not Applicable for Renewals)

-Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80 D of the Income Tax Act.

Benefits of Bajaj Extra Care Top Up Health Insurance

In-Patient Hospitalization Expenses

Pre and Post Hospitalization expenses

60 days and 90 days respectively

Pre-Existing Diseases / Illness

Covered after 4 years of continuous Insurance without break with any Non Life Indian Insurance Company

-Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.3000 per policy period

A Bajaj Allianz Health Card which provides a number of discounts at health and fitness centers across the country.

-OPD discounts at select outlets.

-Discounts on Pathologies at select outlets.

-Discount on Radiology at select outlets.

-Discounts on Wellness Test at select outlets.

-Discounts on Pharmacy.

Exclusions

-Any diseases contracted during first 30 days of the policy start date

-Four years waiting period for joint replacement surgery unless such joint replacement surgery is necessitated by accidental bodily injury

-Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)

-Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

-Cost of spectacles/contact lenses, dental treatment

-Medical expenses incurred for treatment of AIDS

-Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

-Congenital disease

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Apollo Munich Optima Super : A Super Top up Health Insurance Plan

Apollo Munich Optima Super is a super top-up health insurance plan, which enhances total health insurance coverage on cost-sharing basis. Under this plan, the policyholder gets the benefit of high deductible, wherein all the medical bills for the year are considered. In case, sum of all bills is above the threshold limit, one can claim for the amount above the threshold limit.

Optima Super is a cost-effective top up plan to consider, if one is covered under a group health insurance plan as it can be easily converted into a normal health plan during a certain phase of life like retirement.

Main Features of  Apollo Munich Optima Super Top Up Insurance

-Minimum Entry Age:  5 years

-Maximum Entry Age: 65 years

– Coverage for a dependent child from the 91st day (if either parent is covered under this policy).

-No medical tests up to the age of 45 years and for sum insured below 15 lakhs

-Lifetime Renewal

-Pre-existing diseases covered after four continuous renewals

-Option to convert the plan to a full fledged Indemnity Health Insurance plan with no underwriting or medicals is available only at renewal between 55-60 years provided the insured has enrolled under this policy before the age of 50 years and has renewed with the company continuously without a break.

-Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80 D of the Income Tax Act.

Benefits of Apollo Munich Optima Super Top Up Insurance

In patient Treatment

Medical expenses for room rent, boarding expenses, nursing, ICU, anesthesia, blood, oxygen, medicines, drugs and consumables, diagnostic procedures etc

Pre and Post Hospitalization

60 days and 90 days respectively

Day care procedures as mentioned in policy terms and conditions

Organ Donor

Treatment expenses for the organ donor at the time of organ transplant

Ambulance Service-

Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000)

 Pre-Existing Diseases / Illness

Covered after 4 years of continuous Insurance without break

Healthline – Option to ring and reach experts and avail their help in primary consultation, health-related counseling, individual referrals, health information, nutrition and diet. The services on the Healthline are available at no extra cost to the customers.

Health Risk Assessment – Every Apollo Munich Health Insurance customer has an access to a health risk assessment tool, which helps to profile each member’s health status through their website. Upon assessment, members will be offered personalized wellness recommendations on diet, lifestyle and nutrition regimen.

Free-Look Period of 15 days from the date of receipt of policy documents if insured is not satisfied with the coverage and terms of the policy.

Exclusions

-30 days waiting period will apply to all claims, except if any insured person suffers an accident

-Two years exclusions for specific diseases

-Non-allopathic treatment

-Expenses arising from HIV or AIDS and related diseases

-Mental disorder or insanity, cosmetic surgery, weight control treatment

-Abuse of intoxicant or hallucinogenic substance like drugs and alcohol

-Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind

-Pregnancy, dental and external aids and appliances unless covered under specific plans

-Experimental, investigatory or unproven treatment, devices and pharmacological regimens

-Congenital disease

-Tests and treatment relating to infertility and in vitro fertilization

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Religare Enhance Super Top Up Health Insurance

Religare Enhance Super Top Up Insurance is a super top up health insurance policy that works alongside your current health insurance policy and enhances it to provide you a greater coverage at a much lower premium. Enhance Super Top up plan works on the simple principle of Policy Deductible, which is the pre specified amount that the insured will bear, through your own finances or another health insurance policy, during a medical event. Any amount over and above the policy deductible will be borne by the company.

Main Features of  Religare Enhance Super Top Up Insurance

-Minimum Entry Age:  5 years

-Maximum Entry Age: No age bar

-No medical tests up to the age of 45 years and for sum insured below 15 lakhs

-Lifetime Renewal

-Pre-existing diseases covered after four continuous renewals

– Copay of 20% of claim for each member who enrolls at the age of 61 or more

Loading of premium(15%, 30%, 50%) on pre  existing ailments, based on the assessment of the extra risk by the underwriter

-After 4 years of continuous coverage,  option to convert your deductible plan to Comprehensive Health Insurance Plan (without any deductible)

-Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80 D of the Income Tax Act.

Benefits of Religare Enhance Super Top Up Insurance

In patient Treatment

Medical expenses for room rent, boarding expenses, nursing, ICU, anesthesia, blood, oxygen, medicines, drugs and consumables, diagnostic procedures etc

Pre and Post Hospitalization

30 days and 60 days respectively

Day care procedures as mentioned in policy terms and conditions

 Pre-Existing Diseases / Illness

Covered after 4 years of continuous Insurance without break

Free-Look Period of 15 days from the date of receipt of policy documents if insured is not satisfied with the coverage and terms of the policy.

Exclusions

-30 days waiting period will apply to all claims, except if any insured person suffers an accident

-Two years exclusions for specific diseases

-Non-allopathic treatment

-Expenses arising from HIV or AIDS and related diseases

-Mental disorder or insanity, cosmetic surgery, weight control treatment

-Abuse of intoxicant or hallucinogenic substance like drugs and alcohol

-Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind

-Pregnancy, dental and external aids and appliances unless covered under specific plans

-Experimental, investigatory or unproven treatment, devices and pharmacological regimens

 

-Congenital disease

-Tests and treatment relating to infertility and in vitro fertilization

 

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Super Top up Health Insurance vs Top up Health Insurance

What is a top up health insurance plan

A top up health insurance policy covers the medical expenses beyond the threshold level/deductible one has chosen. This is a good choice if you want to add additional cover  to your existing Insurance Policy with very less premium or if you are yet to opt for medical insurance, you can buy top-up policy to take medical insurance cover beyond a threshold limit that you can afford.

Having an existing health insurance policy is not a mandatory requirement for buying a top up health insurance plan. Your top up plan will simply pay the claim amount over and above the threshold limit you have opted for.

Super Top up Health Insurance vs Top up Health Insurance

Now, there are two kinds of plans being offered by Indian insurers, top up and super top up. What is the difference between these two, one might wonder. Top up plans cover hospitalization expenses on per hospitalization or per claim basis, that means they will pay if the claim amount for a single hospitalization is over and above the threshold limit or deductible opted for.On the other hand, Super top up plans cover aggregate hospitalization expenses during the policy period exceeding the Threshold Level.

To make this difference more clear, let us take an example.

Suppose you have an existing health insurance for Rs 500000 and a top up plan for Rs 1000000 with a threshold limit of Rs500000.

-If there is a single hospitalization claim for Rs 400000 in a policy period, your existing policy will pay for it

-If there is a single hospitalization claim for Rs 600000 in a policy period, your existing policy will pay Rs 500000 and remaining 100000 will be paid by top up plan

-If there are two claims for Rs 400000 each, first claim of Rs 400000 will be paid for by your regular health insurance plan and for the second claim, Rs 100000 again will be paid by the existing health insurance plan. However, the remaining Rs300000 will be borne by you as your top up plan works only when the threshold limit of Rs 500000 is crossed for a single hospitalization.

Now suppose you have an existing health insurance for Rs 500000 and a super top up plan for Rs 1000000 with a threshold limit of Rs500000

-If there is a single hospitalization claim for Rs 400000 in the policy period, your existing policy will pay for it

-If there is a single hospitalization claim for Rs 600000 in the policy period, your existing policy will pay Rs 500000 and remaining 100000 will be paid by top up plan

-If there are two claims for Rs 400000 each, that means an aggregate of Rs800000 in the policy year, your regular health policy will pay Rs 500000 and the remaining Rs300000 will be covered by your super top up plan; as the threshold limit in case of super top up plan is applicable on aggregate hospitalization expenses in the policy year.

Top up and Super Top up plans are a good way to enhance the sum insured of your regular health insurance policy for a nominal premium. Some insurers also offer the option to convert your top up plans to regular health insurance plan after the completion of a certain period or age. Moreover, they offer most of the benefits offered by a regular health plan at a much less cost.

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HDFC Ergo – my:health Medisure Super Top Up Insurance

HDFC Ergo my:health Medisure Super Top Up Insurance is a super top up health insurance policy that works alongside your current health insurance policy and enhances it to provide you a greater coverage at a much lower premium.  One can opt for this policy even if there is no existing health insurance policy. The initial expenses (called deductible) can either be covered by the current policy or can be paid by the insured. Once this deductible amount is crossed, my:health Medisure Super Top Up Insurance becomes active and pays the excess amount.

Main Features of HDFC Ergo – my:health Medisure Super Top Up Insurance

-Minimum Entry Age:  18

-Maximum Entry Age: 65

-Coverage for children aged 91 days till 23 Years, subject to both parents being covered under same policy

-No medical tests up to the age of 55 years if the insured has no pre-existing illness

-Lifetime Renewal

-Pre-existing diseases covered after three continuous renewals

– Copay of 10% of each and every claim for each member whose age is above 80 years

Loading of premium on pre – existing ailments which will be deduced after health check up of the customer.

-Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80 D of the Income Tax Act.

Benefits of HDFC Ergo – my:health Medisure Super Top Up Insurance

In patient Treatment

Medical expenses for room rent, boarding expenses, nursing, ICU, anesthesia, blood, oxygen, medicines, drugs and consumables, diagnostic procedures etc

Pre and Post Hospitalization

30 days and 60 days respectively

Day care procedures as mentioned in policy terms and conditions

 Pre-Existing Diseases / Illness

Covered after 3 years of continuous Insurance without break with any Non Life Indian Insurance Company

Free-Look Period of 15 days from the date of receipt of policy documents if insured is not satisfied with the coverage and terms of the policy.

 

Exclusions

 

-30 days waiting period will apply to all claims, except if any insured person suffers an accident

-Two years exclusions for specific diseases

-Non-allopathic treatment

-Expenses arising from HIV or AIDS and related diseases

-Mental disorder or insanity, cosmetic surgery, weight control treatment

-Abuse of intoxicant or hallucinogenic substance like drugs and alcohol

-Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind

-Pregnancy, dental and external aids and appliances unless covered under specific plans

-Experimental, investigatory or unproven treatment, devices and pharmacological regimens

 

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Aditya Birla Activ Health -Health Insurance Policy

Main Features

– Two type of plans : Essential and Enhanced.

-Customized Room Rent as per the affordability of customer

-Incentive on payable claims for not utilizing the highest level of Room Category and it may vary from 5% to 30%.

-Pre Existing coverage for Non Chronic customers after 36 months in Enhance plan and 48 months in Essential plan.

-Health Returns :Insured can earn rewards for good health which can then be used for OPD expenses or for paying renewal premium next year.

-Chronic Management Programme: First of its kind active management of chronic conditions via Disease Risk Management with the help of specialised treatment protocols being set up through an  ecosystem of healthcare partners leading to better disease management and healthy living of customers. Management of OPD expenses such as consultation Fee, Diagnostic Tests and Pharmacy Expenses for covered chronic Conditions (Diabetes, Hypertension, Hyperlipidaemia and Asthma)

Benefits

Post Hospitalization :

180 Days in enhance plan and 60 days in Essential.

Day Care Treatment for a wide range of day care procedures listed in the terms and conditions

Ambulance Charges :

Actual payment up to sum Insured in network provider. 

Re load feature :

When the basic SI & Earned cumulative bonus is insufficient due to claims paid or accepted as payable, the same will be restored to 100% of basic SI. This doesn’t require the basic SI+CB to be exhausted completely. Also the cover is double from day one in case of Road accident claim.

Annual Health Check-up for all Insured members above 18 years. 

E Opinion facility for defined Critical Illnesses.

Worldwide Emergency Assistance Services in India and outside India  :

If a customer is more than 150 km away from home and met with an emergency and with no medical facilities nearby, assistance will be provided to ensure his condition has stabilized and to fly back home.(Outside India, hospitalization and surgery expenses are not covered).

Recovery Benefits :

Only for Enhance plan. Available for the customers who are hospitalized for  at least 10 consecutive days, lump sum equal to 1% of the SI maximum up to Rs. 10000 available only once per insured person per policy year.

Value Added Services :

Wellness Coach : Weight Management, Activity and Fitness, Nutrition, Tobacco Cessation and Doctor on call.

Cumulative Bonus :

Essential – 10% Increase, Maximum up to 100% (No reduction in claims).

Enhanced – 20% Increase, Maximum up to 100% (up to maximum of 50 Lacs) No reduction in claims.

Optional Benefits on payment of additional premium:

OPD product,

Maternity Expenses,

Hospital Cash Benefit,

Deductible,

Co Payment Removal.

Special Features :

Funds earned as Health Return, once earned can be carried forward each policy year (as applicable) – The rewards can be carried forward for one year post policy expiry as well

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Star Health Insurance Super Surplus Gold Super Top Up Plan

Main Features

-Minimum Entry Age:  18

-Maximum Entry Age: 65

-Children from age 3 months to 25 years can be covered only along with parents

-No pre-acceptance medical checkup

-Pre-existing diseases covered after waiting period of 3 years

-This policy can be taken on Individual Basis and also on Floater basis

-Lifetime Renewal

-A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions (Not Applicable for Renewals)

-Option to migrate to any other indemnity based health insurance policy of the Company after  5 years of continuous renewal of this policy without break or after completion of 60 years of age whichever is later

-Copay of 10% of each and every claim where the age at entry is above 60 years

-Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80 D of the Income Tax Act.

Benefits

In-Patient Hospitalization Expenses

Room (Single Standard A/C Room), Boarding and Nursing expenses, Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees,-Anaesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers

Pre and Post Hospitalization expenses

30 days and 60 days respectively

Pre-Existing Diseases / Illness

Covered after 3 years of continuous Insurance without break with any Non Life Indian Insurance Company

-When the aggregate of the previous hospitalization during that policy period exceeds a specified limit, the liability of the Company begins. In other words, the deductible is not applied for each and every hospitalization

-Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.1500 per policy period

-Air Ambulance cover: Up to 10% of the sum insured per policy period for Sum Insured of Rs.7 lacs and above.

-Facility of obtaining Medical Second opinion

Exclusions

-Any diseases contracted during first 30 days of the policy start date

-During the first two years of continuous operation of insurance cover any expenses on

i)Cataract and diseases of the anterior and posterior Chamber of the Eye, diseases of ENT, diseases related to Thyroid, Prolapse of intervertebral disc (other than caused by accident), varicose veins and varicose ulcers, all diseases of prostate, Stricture Urethra, Congenital Internal diseases/condition defects or anomalies, all obstructive-uropathies,all types of hernia, varicocele, hydrocele, fistula / fissure in ano, Hemorrhoids, Pilonidal sinus and fistula, Rectal Prolapse, stress incontinence.

ii)Gall bladder and pancreatic diseases and all treatments (conservative, interventional, laparoscopic and open) related to Hepatopancreato-biliary diseases including gall bladder and pancreatic calculi. All types of management for kidney and genitourinary tract calculi.

iii)All treatments (conservative, interventional, laparoscopic and open) related to all diseases of uterus, fallopian tubes, cervix and ovaries, uterine bleeding, pelvic inflammatory diseases, benign breast diseases.

iv)Conservative, operative treatment and all types of intervention for diseases related to tendon, ligament, fascia, bones and joint (other than caused by accident)

iii)Degenerative disc and vertebral diseases including replacement of bones and joints and degenerative diseases of the musculo-skeletal system

iv)Subcutaneous benign lumps, sebaceous cyst, dermoid cyst, lipoma , neurofibroma, fibroadenoma, ganglion and similar pathology

v)Any transplant and related surgery

-Non-allopathic treatment

-Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)

-Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

-Cost of spectacles/contact lenses, dental treatment

-Medical expenses incurred for treatment of AIDS

-Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

-Congenital disease

 

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Family Travel Insurance Online – [ Compare Quotes & Buy ]

Family Travel Health Insurance Online: Family Travel Insurance policy also known as Family Floater provides a comprehensive cover for entire family (Up to 4 Children) going abroad on business or holiday trip under single policy and one premium. Unlike an individual policy, Sum Assured (Coverage Amount) is shared by all the family members.

This is very economical & good choice for Parents (below 60 years) visiting abroad. Even Additional adult family member can be covered under this policy.

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Overseas Family Travel Insurance Features

Eligibility
For all ages between 6 months – 60 years. Max age of the eldest family member allowed is 60 years. Individual Policy needs to be issued for persons over 60 years.

Policy Duration
Covers trips from as short as 7 days to max of 182 days.

Policy Maximum (Coverage Amount)
Various coverage options are offered in the range of US$ 10,000 to US$ 250,000. Coverage option for US$ 10,000 is only available for Asia Plans.

Max Trip Per Policy
Only Single trip per policy period is covered.

Children Kids
Up to 4 children can be covered. Max Age of the child allowed is 21 years.

Pre-existing diseases
Pre-existing ailments and maternity are generally excluded. There are few companies which provide coverage in case of life-threatening situations i.e. until the insured’s health is stable.

Deductible/Policy Excess
There is a Deductible/Policy Excess of US$ 50-100 depending upon the plans. This implies for any claim the first US $50-100 are to be borne by the insured.

Additional Coverage
Coverage includes Dental Treatment, Medical Evacuation, Repatriation, Baggage Loss/Delay, Trip Cancellation and Interruption, etc.

Medical Check-up
No Medical check-up is required.

Renewal
Policy can be renewed if there is no claim in the expiring policy.

Premium
One Premium for the entire family and is calculated based upon your destination, Coverage Amount, Age of the eldest member and duration of Trip.

Exclusions
General Physical Checkup, pre-existing conditions, Vision (Eye Test, Eye Glasses, and Contact Lens), Pregnancy and Prenatal Care is not covered by any of the Plan. Besides these, there could be other exclusions which are mentioned in the policy wordings.

Claim
In order to make a claim, you need to contact the Insurer or Third Party Administrator (TPA) of the Insurance Company, which has tie-ups with network hospitals worldwide. TPA information is provided in the Insurance policy.

For more check below links

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Senior Citizen Travel Insurance

Senior Citizen Travel Insurance | 70+ Travel Medical Insurance

Travel Medical Insurance: Travelling International can be great fun for senior citizens. Nonetheless, it may be risky for senior citizen to travel, because some do not have the physical ability to endure the physical demands of travel. Also, some may not be able to adapt to the weather conditions and food in a foreign country, and they may become ill during their vacation in spite of being in good health.

It is a good idea to buy a travel insurance policy before starting a trip for financial protection against unexpected losses, such as medical costs and personal accident.

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How to select the best Plan?

Sum Assured
This will depend upon your health and budget. We always advise higher sum assurance (100K and Above) for USA as medical cost is very high.

Pre-existing conditions
if you are suffering from any pre-existing conditions like Diabetes, High BP, Heart disease etc, select the plan which provides pre-existing coverage. Most of the travel insurance plans exclude pre-existing conditions but some plans do provide limited coverage in case of life-threatening situations

Medical Tests
Many Travel insurance plans are available with no medical tests. Plans with medical tests always offer better coverage and less claim disputes. If you are travelling for long duration, its always advisable to undergo medical tests. This provide good opportunity for medical check up and assurance before the trip.

Trip Delay, Cancellation and Curtailment
Select the plans which covers Trip Delay, Cancellation and Curtailment. This can help for some financial loss which can happen in case of delay, Cancellation or Curtailment of trip for reasons beyond your control.

Avoid plans with Per Illness/Accident Restriction
Many plans for over 60 years old persons, have per illness/accident limit. Avoid the plans with these restrictions. Suppose you have purchased the plan with sum assured of 50K with 10K per illness restriction. In this case you will be able to claim only 10K per illness even though you will be under the impression you have insurance cover for 50K.

Home Insurance
If you are visiting for long time and there is no one back home to take care of home building and content. It’s better to buy plan that offers coverage for Burglary and protection of building.

Renewal
Most of Insurance company will not renew the policy if there is any claim in the Policy period. It’s good idea to buy the policy with maximum expected trip duration and if you expect the stay to be extended buy the policy which is renewable.

Premium
Plan Premium is based upon your destination, Coverage Amount, Age of insured and benefits it offers. Though all of us love to save money, but low insurance premium shouldn’t be your only factor in making decision. At the same time high insurance premium also doesn’t mean higher benefits. If you don’t have time to read the whole policy wording, spare some time in reading the exclusions and benefits which are most interest to you.

Exclusions
General Physical Checkup, pre-existing conditions, Vision (Eye Test, Eye Glasses, and Contact Lens), Pregnancy and Prenatal Care is not covered by any of the Plan. Besides these, there could be other exclusions which are mentioned in the policy wordings.

Claim
In order to make a claim, you need to contact the Insurer or Third Party Administrator (TPA) of the Insurance Company, which has tie-ups with network hospitals worldwide. TPA information is provided in the Insurance policy.