GENERAL INSURANCE BLOG

A healthy body caters to a healthy mind, resulting in higher efficiency and productivity at work. Therefore, it is in the best interests of any organisation to motivate its employees to stay fit and healthy. It will promote positivity in the workplace. Moreover, when the leader makes efforts for the health and well-being of the employees, it inspires the team to work harder and stay united as one family.

Here are some ways in which you can inspire your team to lead a healthy lifestyle.

1. Schedule a periodic doctor visit at the office:
The best way to motivate your employees to lead a healthy lifestyle is by scheduling periodic visits to a certified doctor or organising a health camp in the office. A doctor is best to guide every employee according to their individual needs. He can counsel them regarding general health and wellness issues. Moreover, he can prepare a diet chart for them, which is very helpful in promoting a healthy lifestyle and bringing mindfulness to their working routine.

2. Promote healthy eating habits:
Encourage employees to bring healthy meals to the office and avoid junk food daily. Get a couple of microwaves installed in your office so that they are motivated to bring food from home and warm it up in the office.
Give them short breaks between long working hours so they can relax, grab a small bite, have tea or coffee, and come back fresh at their desks or workstations. Encourage your team members to consume healthy food items like fresh juices, soups, salads, and multi-grain cereals. Make arrangements for fresh juice vendors in your office so that employees have a healthy choice of drinks as well.

3. Promote gyms and workouts:
If your office can afford to open a small gym for your employees in the office premises, there is nothing better. You can influence your team to compulsorily work out at the gym at least 3-4 days a week. You can organise small interesting competitions for them at the gym, motivating them to participate.
If a gym at the office is not possible, tie up with some gyms that will provide special discounts with membership to your employees. This will make your team valued, and you will pave the way for their healthy lifestyle.

4. Discourage smoking and drinking in the premises:
Smoking and drinking alcohol frequently and beyond limits can be the worst enemy of your and your employee’s health. Discourage your team from taking alcohol. Guide them about how it can negatively impact their well-being. Do the same for smoking. Encourage them to quit if someone is in the habit of smoking.

5. Destress workshops:
Keep chit-chatting with them at the workplace so that they are comfortable enough to share their problems at work with you or your HR department. Relieving them from stress can be great for their health.
You can encourage them to listen to music for some time or listen to a podcast. If not, you can at least arrange short mind-relaxing activities in the cafeteria and other common areas. These can be good stress relievers and keep your employees cheerful.

6. Health insurance:
Get health insurance compulsorily for all your employees. Ask the insurance provider to offer rebates and discounts if an employee wants to increase his cover. An insurance cover provides your employees with security in case they or their family members meet with some health emergency.
Also, they feel emotionally safe and are dedicated to their employer for care and health insurance coverage provided to them. This can result in higher productivity and efficiency of employees, resulting in higher profits for the business.

Employees are the lifelines of any organisation, and as a good leader, you need to guide them to excel in their professionalism and develop a good work-life balance. Hence, you need to take care of them and their health. Along with promoting a healthy lifestyle, educate your employees about the importance of a good health insurance policy that provides them with the required financial assistance in case of any mishap.

Click HERE to buy health insurance for your loved ones.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

In the unfortunate event that someone breaks into your establishment and steals your belongings, the experience can be devastating on a psychological and economic level. Forcible intrusion into a residence or commercial establishment to commit theft is the definition of burglary. If someone tries to break into your home or place, you may be able to recoup some of your losses with burglary insurance.

Why do you need Burglary Insurance?

Under the Home Burglary Insurance policy, you also have the option to purchase additional coverage for high-value items such as diamonds, jewellery, and other valuables.

If a criminal were to break into your place of business and steal valuable items like computers, printers, and other office equipment, you would be protected by burglary insurance. These policies are designed to reimburse you for the loss due to the actions of evil minds. It provides the best possible financial assistance and helps you adjust to such circumstances to recover from the damages.

If thefts from homes and businesses are common in your neighbourhood, you should consider purchasing insurance against theft and burglary.

Essential points to identify needs for burglary insurance.

The primary motivation for purchasing theft protection is to prevent significant financial loss so that your home or business can be secured against the possibility of a break-in.

Crimes like burglaries, thefts, and other similar occurrences frequently make the front pages of newspapers. In today's world, it's irresponsible to abandon your house alone for too long. For this reason, having burglary insurance may be a great relief and a source of pride.

Let's take a look at the scenario when you must protect the homes with a burglary insurance:

● If you must keep the residence unattended for a long time, and there's nobody to look after.

● For those who must depart their homes or businesses for extended periods.

● Anyone running a business with a steady stream of customers coming in and out of the building daily.

● Corporation owners who attend to numerous clients each day.

Following are the types of burglary insurance available under the general insurance India category.

1. Full value insurance:
This type of insurance gives complete coverage to the property.

2. First loss insurance:
Under this plan, a certain percentage of the property gets insured rather than total protection. The policyholder must opt for this when there is less probability of total loss.

3. Stock declaration insurance:
Under this plan, the policyholder must estimate the highest stock value during a financial year. And the said amount will be the sum assured. In the case of stock fluctuations, this plan is beneficial.

Burglary and theft insurance are not the same. Illegal possession of assets, intending to infiltrate closed establishments forcibly (armed robbery), and theft by violence/ persuasive/ vicious entry are covered under burglary insurance.

On the other hand, theft insurance includes comprehensive coverage of stealing activities. Most types of insurance, including those for automobiles, homes, and even health insurance, provide coverage against burglary, which widely falls under general insurance India. Crime insurance endorsements can also be added to your policy to increase your protection against theft and burglary. Get acquainted with all the necessary information about a burglary insurance policy for your home or workplace safety. The criminal act of a few minutes can adversely affect your hard-earned happiness. Don’t let this happen, and buy reliable burglary insurance today!

Click HERE to know more about general insurance India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Fuel prices are soaring daily in most Indian states and have a cascading impact on the public. Owning an EV or electric vehicle is still a far-fetched dream for most of us because of its unaffordability due to high prices and the absence of charging infrastructure across the country.

The price of CNG or Compressed Natural Gas has also touched all-time highs making it unviable to replace vehicles running on conventional fuel, i.e., petrol and diesel. So how do we save fuel and, eventually, our hard-earned money?

Let us go through some efficient measures to drive smartly and save fuel.

1. Accelerate smoothly:
Never accelerate suddenly since the engine uses maximum fuel when it achieves speed from being stationary. Therefore, the harder we accelerate, the more fuel it consumes. Make it a habit to accelerate gently, helping the car steadily gain speed. Always go easy with your car!

2. Drive in economy mode:
Most cars nowadays come with an economy or eco mode that maintains a balance between fuel efficiency and speed. Also, drive below the speed of 80-90 kmph, which is considered the ideal speed limit to achieve and maintain fuel efficiency. Anything over it will result in a higher fuel burn rate and a lower average per litre.

3. Manage your gear shift wisely:
Driving your vehicle in the right gear can help you save considerably on fuel. You put undue pressure on the engine if you drive in the wrong gear, resulting in higher fuel consumption.

4. Maintain correct tyre pressure:
Always maintain correct tyre pressure as under-inflated tyres resist proper rolling, putting more pressure on the engine. This will lower mileage, burning a hole in your pocket in the long run.

5. Use air-conditioning wisely:
A vehicle’s air-conditioning system burns up much fuel, resulting in lower fuel efficiency. Avoid using the air-conditioning system when your car is stationary or idle for a long time. Switch off the AC and roll down the windows when possible. Use the re-circulate option in your vehicle while using the AC.

6. Use your car wisely:
You can save fuel even by being smart in using your car. Do not make unnecessary and multiple trips to the supermarket all day. Prepare a list of things you need to buy, and when your list is big enough, go and get them. Also, go for carpools. It will be wise for four or five colleagues to carpool if the route permits, go together to the office, and divide the fuel cost rather than everyone going by their personal vehicle.

7. Ditch the extra weight:
Travel light. Ensure your boot is not full of unwanted stuff that adds weight to your car. Also, remove the carrier when it is not in use. Driving light can help you be more fuel-efficient.

● Anyone running a business with a steady stream of customers coming in and out of the building daily.

● Corporation owners who attend to numerous clients each day.

Following are the types of burglary insurance available under the general insurance India category.

8. Use “Fastag”:
Make use of a “Fastag” while driving on a highway. With it, you can cross a toll booth in a few seconds, helping you save on fuel.

9. Use “cruise control”:
Use the “cruise control” feature in your car, especially while driving on a highway. This will help you to maintain a constant speed without needing to push the accelerator constantly, giving you much better fuel efficiency.

10. Avoid idling:
Switch off your engine whenever you have to make a stop for over 20 seconds. Switching off and restarting will consume less fuel than your engine being on while your car is stationary.

Apply these efficient measures to drive smartly and see how you save fuel and eventually money over a few days. You can also buy the best car insurance to get complete protection at low premium rates and comprehensive car insurance benefits. Be smart, save money, and choose the best!

Click HERE to buy car insurance and insure your car with reliable coverage.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

What is the first image that comes to your mind when you hear of outdoor adventures? The most popular thought associated with the idea is likely to be camping, an offbeat experience that tastefully connects nature and adventure.

Camping is a solo or group adventure popularised by the West that involves outdoor overnight stays in unfamiliar terrains to enjoy the beauty of untouched nature. While it is an experience like no other, camping does involve a lot of effort and adjustment to make the stay enjoyable.

Camping has always been a top choice for avid travellers and adventure enthusiasts, but a new activity that interests everyone is glamping. It is a perfect introduction to camping that brings together luxury to the wilderness, making the experience pleasant and more premium.

Read on to find all about the trending activity, where you can find glamping sites in India, and whether it is covered under general insurance plans.

What is glamping?
If you need a break from your hectic life and wish to explore the wild without putting in too much effort, glamping is the ideal outdoor activity for you. It is a simple mix of glamour and camping. Depending on your budget, you can opt for a high-end camping stay set amidst a picturesque outdoor setting.

Are there any risks associated with glamping?
When you look past the glamour, there are several risks associated with glamping, just like camping. You may damage your property or glamping equipment, lose your luggage or face health issues on the trip. We strongly advise you to contact your insurance provider to confirm what damages are covered in your general insurance plan and clarify your queries to ensure that you have a cover to bank on in case of any unfortunate incidents.

Best locations in India to experience glamping:
Glamping is an activity that garners the interest of young and old alike. But where exactly in India can you enjoy this adventure? Here are the best locations for a quick glamping trip.

1. Jaisalmer:
Also known as Golden City, the city in Rajasthan with expansive deserts is an excellent place to go glamping. With luxury camps pitched in the desert, it makes for an experience like no other. Glamping companies also tie up with other entertainment providers to provide sightseeing and local experiences as a part of the package, making the trip worth the price.

2. Ladakh:
Ladakh makes for an exquisite glamping location. You can enjoy the rustic beauty of Ladakh from your luxurious tents without making any compromises. Although placed in the middle of nowhere, the tents have all the amenities to make your trip comfortable and enjoyable.

3. Goa:
The popular tourist destination for a quick getaway is unsurprisingly great for glamping. With beaches, moderate temperatures, and top-notch entertainment, Goa is the best place to kick back and relax. While there are several luxury tent providers, you can decide to have a minimalistic glamping trip by using your car as your tent.

4. Kerala:
Kerala's pleasant temperature, idyllic scenery, and slow pace of life set a great mood for glamping trips. The vast range of biodiversity in the state provides an opportunity to engage in activities like trekking, sightseeing, and boating. Known for its hospitality, you will have a relaxing glamping trip in Kerala.

5. Darjeeling:
Sprawling tea estates, widespread greenery, and long trails in the thickets of the forest make Darjeeling an exotic vacation hotspot. A glamping trip in Darjeeling is peaceful and gives time to reflect and escape the everyday bustle of life.

The topographic diversity of India makes most regions great for glamping. Based on your preferences, you can escape the mundane activities of life and take a quick trip to a coast side, hill, or desert and enjoy a rustic break.

Irrespective of the location, safety is a factor that must always be considered while planning for a trip. Investing in safety means investing in happiness. The best way to do so is by ensuring that you and your fellow travellers have general insurance plans that cover any potential accidents.

Click HERE to buy the best general insurance plans to make your glamping trip safe and more enjoyable.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Do you often hear your employees nagging about how team-building activities are childish? Then, it's high time to drop the regular events and gear up for jaw-dropping adventures.

The whole point behind organising these events is to make the team creative and shed light on aspects like leadership, etc. This is the best way to energise the team and find great leaders. The more stress-free the environment is, the more productive the employee will be.

Often, excruciating projects affect the creative perspective of the team. Engaging in sports will cultivate mindfulness and creativity. Stay tuned till the end, and strike down boring ping-pong tables, regular parties, hackathons, etc., because we've got something interesting!

Still not convinced? Take a look at this blog; we will cover some of the mind wrecking adventures.

1. River rafting adventure:
For an exhilarating day, river rafting is highly advised. Water games always tend to be an ideal release of stress. The interpersonal relationships make the river rafting adventure fun and leave memories that last forever. This helps to build trust among the group where all team members in the raft paddle in coordination and motivate each other to put in their best efforts.

2. Paintball army:
Adventure sports are the thrills most people want to taste once in their lifetime. And this is the one that brings out the adventure seeker and the curious kid in everyone. All you need to do is make separate army troops and establish a real-life war zone.
And before you know it, you can build a strategic thinking and warrior mindset. The very fabric of teamwork is what makes the team win over here. Get ready to take charge of the paintballs, hunt down your targets, and spend a thrilling day enjoying yourself.

3. Get the adrenaline pump:
Would you drop down the chance if allowed to go on a group cycling in difficult terrain? Sounds exciting, isn't it? Rock climbing, paragliding, trekking, and many others are hands down amazing mental and physical puzzles. This develops the risk-taking mindset and gives employees a much-needed break from their work routine. Pick spots that offer these adventure sports and plan a day out to savour nature's unparalleled beauty along with the intensity of heart-throbbing adventures.

4. Turf tournaments:
Every person brings a different competitive edge to the table. As an employer, you need to set a perfect environment without fear of failure. Nothing other than a game of soccer or cricket can manage to build teamwork. Suppose you have 30 employees; you can create 5 to 6 teams and play an internal tournament on turf pitches. Everyone will strive to bring home victory by focusing on one common goal by keeping sportsmanship as their priority. In this process, they will realise their strengths and build a mindset of understanding each other. So, naturally, instead of performing well individually, they will accomplish tasks working together

5. Escape room:
Here's the last one on the list. While it may not be an outdoor game, it's hands down the best pick to escape real-world problems. Picture this: Getting tossed into a room with challenges sounds exciting. And remember, all of this while the clock ticks off. When this is done with the entire team, it enhances collaborative leadership and strategic thinking.

These adventures are not just a medium of entertainment but also a useful resource to energise the employees and encourage them to perform tasks in unity. Rewarding your employees with such exciting breaks once in a while makes them feel valued and allows them to indulge in less mundane and more enthusiastic activities.

But remember that any adventure is enjoyable only when safety is assured. Accidents come uninvited, but a comprehensive personal accident plan can make up for the damages done to an individual due to a mishap and compensate for it without the policyholder worrying about the finances. You may seek affordable health insurance plans to get comprehensive coverage against mishaps. This way, you can focus on enjoying the adventures with happiness and vigour.

Click HERE to buy affordable health insurance plans.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

India’s cultural diversity is like no other nations. With every few sq. km, you can experience a new language, culture, values, and most importantly - food! While everything else changes, the warmth of the people of India stays unchanged. Every region organises different fairs that celebrate their culture and religion.

These fairs are essential to the cultural identity of different regions. They also provide great entertainment for tourists and boost tourism in these areas. These traditional fairs make for great family vacations where tourists can enjoy the rich heritage and different customs unknown to them.

While these cultural fairs are great for vacations, they also bring along the risk of being exposed to new environments, activities, and the potential risks of accidents. You must purchase travel insurance from a general insurance company to protect yourself and your family against such incidents.

After ensuring that you have an active travel insurance policy, you are all set to explore these famous cultural fairs to learn more about the cultural integrity of India.

1. Jaipur Literature Festival:
The Jaipur Literature Festival is a unique celebration held over five days that promotes literature, ideas, and discourse from eminent authors. It is the world’s largest free literary festival that provides a platform for intellectual discussions and for local artisans to showcase their handicrafts. The music stage is another attraction that draws massive crowds and provides a stage for up-and-coming local artists.

2. Uttarayan Festival:
The International Kite Festival, held in multiple cities of Gujarat like Ahmedabad, Rajkot, and Surat, draws people from all across the world. The Kite Festival begins in Uttarayan, similar to the Uttarayani Festival, which celebrates the approaching harvest season. The festival features regional Gujarati delicacies enjoyed by thousands of fairgoers.

3. Hornbill Festival:
The indigenous people of Nagaland celebrate the Hornbill Fest. The state government organises it to promote harmony amongst various tribes and protect their culture. Held in Kisama, the festival displays the varied traditions and arts of tribes.
A music festival and rock contest are also held during the same period attracting many tourists. Visiting the festival provides insight into the Naga arts, sports, music, food, culture, handicrafts, and more.

4. Rann Utsav:
Rann Utsav is celebrated in the Rann of Kutch, Gujarat. The white desert festival lasts over four months and celebrates artisans, folk dance and music, traditional handicrafts, and culture. It provides a great boost to the economy and engages visitors in a plethora of activities that keep them busy throughout their stay. The unique feature of this fair is the provision of luxurious campsites that keep visitors satisfied without compromising on luxury while enjoying the culture of Kutch.

5. Kumbh Mela:
Celebrated four times over a cycle of 12 years, the Kumbh Mela is the biggest fair organised in India. The site of the fair changes every time it occurs. The Mela at Prayag attracts the most pilgrims of the four sites. If you wish to experience religion and unified diversity, Kumbh Mela is the perfect fair to do so. The visitors to the fair come from different walks of life and come together to stay true to their religious beliefs.

6. Baisakhi Mela:
Baisakhi is the festival that celebrates the onset of spring. Similar to Makar Sankranti, it is celebrated in the state of Punjab, which is a primarily agricultural state. It marks the beginning of the Sikh New Year and begins with a round of prayers in the morning at the local Gurudwara. Langar, Bhangra, and Gidda usually follow throughout the day. The Baisakhi Mela also includes stalls set up by local artisans and local performing artists where you can enjoy the traditional vibe of Punjab.

Each region celebrates festivals differently and has its unique charm. While some are lively, others are more focused on culture and traditions. Experiencing the cultures of different regions is an unmissable opportunity that must be taken with care. The best way to do so is by purchasing an insurance policy from a general insurance company that keeps you and your family safe throughout your trip.

Click HERE to buy general insurance to keep you protected on your next trip.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

A group health insurance plan for employees is a group mediclaim plan purchased by a company for all its employees. The employees get basic coverage against common ailments and treatments. The employers usually deduct a certain sum from the CTC of the employees to pay for the premium of the policy. Also, they may decide to either share the premium burden or pay it fully themselves.

This trend of insuring employees' health and well-being has been followed for a long time. It establishes a bond of trust and responsibility the company takes for its employees. But how exactly is group health insurance beneficial? Here are the perks of buying a group health insurance policy for employees.

1. Cost efficient:
Since such policies are bought to cover many people, insurance companies provide them at a good discount. If the employer buys the same number of health insurance plans individually for his employees, it will cost him much more.

2. Motivation booster:
A group health insurance policy is a symbol of the care and concern of an employer for his employees. The employees feel valued that the employer is taking care of them. This acts as a motivation, and they work in a more dedicated and devoted manner towards the company. Also, such policies act as a retention tool. Employees think twice before changing jobs since they feel attached to the employer and the company.

3. Zero waiting period for pre-existing diseases:
A regular health insurance policy provides coverage for pre-existing diseases after 3- 4 years of buying the policy. However, there is no waiting period for the coverage of certain pre-existing diseases, such as diabetes, hypertension, etc., under a group health insurance plan. Employees get full coverage for any possible medical expenditure from day one.

4. Preferential treatment:
The buyers of group health insurance policies are big customers for the insurance companies. Hence, the insurance companies cannot afford to annoy them and have to deal with them as a priority. The employees get preferential treatment at the time of passing of claims.

5. Maternity coverage:
Regular health insurance plans usually do not provide maternity coverage and assistance. However, a group health insurance plan comes with automatic maternity coverage. The newborn child also gets automatic protection under the policy as a dependent after 90 days of birth.

6. Full family cover:
The group insurance plans provide health insurance benefits for the employee and his family. He can avail of the benefits for up to 5 dependents at no extra cost. Family-floater plans under regular policies charge much higher premiums for providing similar coverage.

7. Premium as a business expense:
An employer who pays the premium for a group health insurance policy for his employees can claim it as a business expense. It is treated as a benefit that he is providing to his employees. He can book the expenses in the profit and loss account like a general business expense and save on taxes.

8. Validity of the policy:
As per the IRDAI, an employee can migrate to an individual health insurance policy from a group health insurance plan while leaving or changing his job. He will have to complete some formalities with the insurance company for the same. Also, this depends upon the insurance company to continue or terminate the policy.

9. No medical checkups:
Another benefit of a group health insurance plan is that it does not require any medical checkups of the employees before buying the policy. The usual health insurance plans require a medical checkup before issuing the policy.

Buying a group health insurance for employees is often a win-win situation for the employer and the employees. There are many benefits and perks of such policies, which we have already gone through above. Moreover, such a policy is compulsory for employers and mandatory by law. Choose the best health insurance company in India that takes care of your most valuable assets- your employees.

Click HERE to buy the best health insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

The Covid-19 pandemic has led to a demand for health insurance policies. People are now aware of the importance of health insurance cover in case of sudden hospitalisations and expensive treatments. Moreover, many people also opt for it to avail of tax benefits.

Let us take you through a few lesser heard facts about health insurance plans in India. This will facilitate you to make a better and informed choice if you are also planning to buy a health insurance policy for yourself and your family.

1. NRI health insurance policy:
It is now possible for a non-resident Indian (NRI) to avail of health insurance cover in India. An NRI person will have to submit residence proof along with other necessary documents. Companies use Indian parameters to ascertain the cost of the treatment and premium amount. The treatment will have to be done in India to enjoy the policy benefits.

2. Pre-existing diseases:
Yes, you can get health insurance coverage even with pre-existing diseases. The insurance company will start coverage after 36 or 48 months of buying the policy, as per the terms and conditions. You will have to disclose the ailment at the time of buying the policy; otherwise, the insurance company can reject your claim at a later date.

3. Limits:
There are sub-limits set under your policy cover for certain types of expenditure. Generally, insurance companies put a cap on room rents based on the total sum insured. For example, suppose your total policy cover is 10 lakh rupees, and the room rent has a cap of 1% of the total cover. You are eligible to spend only Rs.10000/- a day on the room rent. You will have to pay it from your pocket if it exceeds that amount.

4. Recharge of the insured amount:
Exhausted your health insurance coverage amount? No need to worry. Some insurance companies allow us to recharge or upgrade our policy cover amount! For example, suppose we have insurance coverage of 5 lakhs INR, and it gets exhausted. We can opt for the refill and reinstate the cover if we need it over the remaining tenure.

5. Daycare coverage / Maternity coverage:
Many health insurance companies have started providing cover, even for daycare procedures. The patient need not be hospitalised for over 24 hours to benefit from the cover. This has made it convenient for people undergoing procedures such as chemotherapy, dialysis, radiotherapy, etc. Similarly, some policies now provide us coverage for maternity-related expenditures as well.

6. No age restriction:
Some insurance companies have started providing health insurance coverage without restricting the insured's age. People over 65 years of age can also get health insurance coverage now. Moreover, they can also buy a family floater plan and get coverage for their spouse and other family members as well.
The policy will remain functional and valid until the insured continues to pay the premium for the policy timely. They cannot deny the coverage with the growing age of the insured.

7. Reimbursement policy:
When purchasing, we generally check the network hospitals first in our health insurance policy in India. It is believed that the policy benefits will apply only in those hospitals. This is not the case.
Coverage is valid and works even when admitted to a non-network hospital. It does not matter if it is not on the list of eligible hospitals for cashless treatment under a policy. Patients will have to settle the bill themselves at the time of discharge. The insured will get reimbursed from the insurance company at a later date after the submission of all the required documents.

One should carefully go through the terms and conditions of a policy before opting for it. You should not just get lured by a low premium amount. It may exclude coverage for certain treatments and facilities, and you may suffer later at the time of need. The benefits and coverage provided under health insurance plans in India vary from one company to another. Hence, be prudent and choose your health insurance policy wisely.

Click HERE to know more about the best health insurance plans in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.