Health Insurance
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Health Insurance News
Frequently Asked Questions
Q: How long does it take to receive an insurance policy?
— As soon as the proposal has been approved, it normally only takes a few days for the insurance policy to be issued and sent. If you have not received an insurance policy after two weeks, please contact the insurance company and ask for a second copy.
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This is the best health insurance plan in India for people who have dependents and relatives who live in the same home. The number of dependents covered depends on the requirements offered by each insurance provider company.
The insurance policy holder is responsible for policies that cover the insured and the family. All are entitled to get medical assistance exactly as described in the policy.
The benefits of purchasing a family health plan are the same as individual plans which include services, such as hospital visits, medical care, hospitalization, and laboratory examinations. In addition, there are several benefits that are attractive to family insurance policy holders such as:
Choice of insurance premium prices that can be selected and adjusted to your needs and desires.
Cover all family health.
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How to buy a plan
Before purchasing a family health insurance plan, it is very important for you to analyze the goodness of the plan and ensure that the plan can meet your personal needs and conditions. Pay attention to the following:
01.Reliability of the plan;
02.Maximum level of protection for consultation, inspection, and maintenance;
03.Maximum level of protection for hospitals, laboratories, and doctors;
04.Payment adjustment in installments;
05.Exceptions to protection;
06.Domestic and overseas protection;
07.Emergency and urgent care;
08.Plan validity period;
09.Documents that must be received after purchase. -
Grace period
The grace period is the time period specified in the contract where you are required to pay a monthly fee but have not received insurance coverage. Insurance companies can also provide certain grace periods to control usage, but must always be in accordance with legal rules.
The maximum grace period allowed by law is:
01.24 hours for urgent and emergency cases;
02.300 days for shipping;
03.180 days for other cases;
04.24 months to cover illness / congenital injury / injury. -
Claims
In the context of a health plan, each use can be categorized into an accident. Visiting a doctor, doing laboratory tests, and outpatient care, then at that time means that the patient is using his plan.
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Who can buy family health insurance:
Can be purchased by individuals who want to include their dependents in the plan.
The minimum age of the Policy Holder is 21 years (Policy holders must be the Main Insured at the time of closing the policy)
Entry age The spouse is 18-60 years old and the age of the child is 6 months-17 years
The maximum age of the Insured and the Partner is up to 70 years and the age of the child is up to 23 years. -
Validity
The duration of the "grace period" will vary according to the desired insurance provider. For example: Some coverage period starts from the date of the first bill payment, while others have a more specific date, starting from 20 to 25 days from the signing of the contract. There are also possible legitimate claims as shown in the marketing table of certain companies. So, to get detailed information about the coverage period, please contact us via telephone, email or online chat.
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Termination
Customers must contact the call center to make a request for termination of the insurance plan. It is very important to understand that the cancellation process is a bureaucratic process and takes time to complete the process as a whole until the product is finally canceled.
To facilitate and speed up the whole process, it is important to follow the following recommendations: For individuals: Prepare a handwritten letter requesting cancellation of the health insurance plan. For legal entities: The company must have at least one year of contract and must make a request for written cancellation using company letterhead. -
Payment
For health plan payment options, there are several options for you.
For some policies you can pay by:
01.Checking account;
02.Credit card;
03.Monthly bills are sent to the residence.
04.Monthly Payment Slip via email.
05.(Automatic debit, credit card, ATM) -
Attention
The first installment is paid in cash or check when opening an insurance policy. After paying the first installment, there is always the possibility of a registration fee that will be charged as soon as the tariff has risen at this time or in the future. You will be given more clear information about the additional costs.
Asura Partners
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Life Insurance Corporation of India
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Star Health & Allied Insurance
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The New India Assurance
The Oriental Insurance
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Important Notice: Asura does not provide any insurance consultation and only provides an overview of available insurance products. All information provided is for informational purposes only and may not be accurate. Prior to any purchase, you will have to consult an authorized insurance agent and refer to the terms and conditions of your insurance policy.
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