Big news – Health insurance policy will change from October 1, for the first time you will get this right

From October 1, the form of Health Insurance is going to change completely. Once the health insurance policy is sold, the insurance company will not be able to reject the claim from Manmarzi. Waiting period will also decrease after taking policy for many important diseases.

After 1 October, the policyholder will get new rights. Yes, you have paid the premium of your insurance policy for 8 consecutive years, then the company will not be able to reject the claim on the basis of any deficiency. Claims of treatment for more and more diseases will be available in the health cover. However, its effect can also be seen as an increase in premium rates. (PHOTO NEWS18)

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You will get this right for the first time – If there is more than one company policy, the customer will have the right to choose the claim. After the limit of one policy, the rest of the claim will be possible from the other company. The claim of deduction will also have the right to be taken from another company. Accepting or rejecting a claim in 30 days is necessary. Migration to a company’s product will then add an old waiting period. The cost of telemedicine will also be part of the claim.

Use of telemedicine before and after treatment will be included in the policy. In a policy with OPD coverage, full cost of telemedicine will be available. Doctors will be advised to use telemedicine. Companies do not seek approval, the Salan limit rule will apply.

The coverage of diseases will increase. In all companies, the permanent diseases outside the cover will be the same. The number of permanent diseases outside the cover will be reduced to 17. If the exclusion in a policy is 10, the premium will be reduced to 17. Serious diseases like mental, genetic disease, neuro-related disorders. The cover of neuro disorder, oral chemotherapy, robotic surgery, stem cell therapy will also be available.

Change the rules regarding the conditions of the disease already – within three months of the release of the policy, the symptom will be considered as a pre-existent disease. The claim will not be rejected after the premium for 8 years. After the completion of 8 years, no reconsideration of the policy will apply. For 8 years, renewal will not be an excuse for wrong information.

The entire expenses related to pharmacy, implant and diagnostic will be found in the claim. Claim amount is reduced due to increase in Associate Medical expenses. Claim on Associate Medical expenses is deducted in room package beyond the limit. There will also be no reduction in the ratio of ICU charges in the claim.

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