Coverage for Ayush Treatments : Ayurveda, Yoga, Unani, Siddha, and Homeopathy (Ayush) treatments are now covered if you meet the conditions.

Five-Year Moratorium Period:After five years of continuous coverage, insurers can’t reject claims for non-disclosure or
misrepresentation, except in cases of fraud. This used to be eight years.

Shorter Wait for Pre-Existing Conditions: The wait to claim insurance for pre-existing conditions is now three years instead of four.

Cashless Claims at Any Hospital: You can claim the hospital expenses directly from your insurer, even if it’s not a network hospital. You don’t have to pay the hospital first.

Faster Claim Approval: Insurers must approve claims within three hours at discharge and within one hour at admission, speeding up the process.

Use Multiple Policies: You can use multiple insurance policies to cover a single hospital bill. For example, if you have policies worth Rs. 5 lakh and Rs. 10 lakh, and your bill is Rs. 12 lakh, you can use both policies to pay.However, many large companies, although not startups, are successful in the long run.

Viswanathan Odatt

Mob No. 98957 68333

Email: odatt@aimsinsurance.in