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Frequently Asked Qestions

Transparent information

What is annual sum insured?

Annual sum insured denotes maximum amount of cover available during each policy year of the policy period.

When will I receive my Policy certificate?

It takes around T+7 days to dispatch your policy certificate, T being the date of premium being received

I have received a health card. Why do I need a health card?

A health card is given to all the people insured and has all the details of the insured along with the policy number, insured name and policy end date. You will have to produce this when you avail of the cashless hospitalization facility.

What tax benefit do I get for making premium payments?

The premium you pay for yourself, up to the limit of Rs.25,000 (Rs.50,000 for those aged 60 years or more), excluding service tax and education cess, is eligible for deduction under section 80D. This deduction is eligible under the prevailing tax laws, which are subject to change.

Is the claim amount subject to tax?

No, the claim amount you receive under your health policy is not subject to tax.

Would I receive confirmation on the changes done in the policy?

Any changes made in the policy during the policy period will be made through an endorsement. All the endorsements will be confirmed with an Endorsement letter which is sent to the customer after the changes are made.

How soon can I file a hospitalization claim on my policy?

There is a waiting period of 30 days from the start of the first time you buy the policy before which a claim cannot be made for any illness, except for hospitalization due to injury or accident.

What is the difference between a cashless and a reimbursement claim?

Cashless and reimbursement are two different ways to settle a claim:
c) Cashless claim is a claim where we pay the agreed claim amount directly to the hospital. You need not to pay the hospital for the claim amount. You are required to inform the insurance company about the procedure or treatment and send all the related paper work.
d) Reimbursement claim is a claim where you settle the bill with the hospital and then send the relevant documents to insurance company, which in turn reimburse you for the agreed claim amount.

Can I file multiple claims in the year?

Yes, you may file multiple claims in the year, subject to the total amount of the claims not exceeding the sum insured on your policy.

Is the renewal lifelong?

Ans: Yes, It is Lifelong

Can the scope of cover be changed like floater to individual or vice versa?

Ans: Yes, It can be done at the time of renewal

What does sublimit mean?

Ans: There is a specific amount limit which has to be paid on claim for the particular disease during policy period is known as Sublimit.

What if a person suffering from Diabetes & hypertension both, can such proposal be accepted?

Ans: Such proposal can be submitted for underwriting decision, the acceptance depends on case to case basis.

Why do I need health insurance?

Ans: Purchasing health insurance is an integral part of financial planning. With the constant increasing prices of healthcare in our country, and with the ever rising instance of disease, health insurance today is necessity. Health insurance provides people with a much needed financial backup at time of medical emergency. Health risks and uncertainties are a part of life. One cannot plan and get sick but one can certainly be prepared for the financial aspect. One of the way to be financially prepared against uncertain health risk is by buying health insurance.

What is meant by Floater insurance or Individual Insurance policy?

Ans: The family floater insurance covers the entire family in one policy and individual insurance provides coverage to individual only.

What is the no claim bonus?

Ans: No claim bonus or NCB is a reward given by an insurance company to an insured for not raising any claim requests during a policy year.

Do I need to do a medical check-up while buying a health insurance?

Ans: Medical check-up lets you have an update on your health and a reference point for insurers. It depends on each company policy, whether to get the health check up done or take a declaration from the customer.It ensures a smooth claim procedure.

What is Co-payment?

Ans: It means the policy holder will need to pay a portion of the medical expenses on their own and the insurance company will pay the remaining amount.

Why is the necessary for me to disclose my current health status correctly?

Ans: All the health details must be disclosed to the insurance company before purchasing the policy. If the insurance company proves the concealment of the pre-existing medical condition, the claim gets rejected.


The information mentioned herein above is only for consumption by the client and such material should not be redistributed. ICICI Securities Ltd., ( I-Sec). Registered office of I-Sec is at ICICI Securities Ltd. - ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025, India, Tel No : 022 - 6807 7100. I-Sec acts as a Composite Corporate agent having registration number –CA0113. Corporate Agent of ICICI Prudential Life Insurance Company Ltd, HDFC Life Insurance Company Limited, ICICI Lombard General Insurance Company Ltd, Care Health Insurance Ltd, Star Health and Allied Insurance Ltd., Niva Bupa Health Insurance Ltd & HDFC ERGO General Insurance Company Limited. Please note, Insurance related services are not Exchange traded products and I-Sec is acting as a corporate agent to solicit these products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Investments in securities market are subject to market risks, read all the related documents carefully before investing. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Securities Ltd. does not underwrite the risk or act as an insurer. LP/004.

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