Know Your Insurance Coverage

What is insurance coverage?

Health insurance coverage is a particular medical expense for the person(s) who is/are covered under the issued policy. Knowing your insurance helps you claim what is rightfully yours. Make sure you are well aware of your health insurance plan and understand all the rightful benefits.

Need help with your insurance coverage?

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Before you claim, find an answer to all your
questions regarding insurance coverage.

How does medical history affect my insurance?

Health insurance claims are denied if hospitalization is due to undisclosed medical history. Learn about it from an expert!

Is my pre-existing illness covered in my insurance?

A pre-existing illness can be covered if an individual was unaware while buying the policy. Know more from our experts!

Will my lifestyle risk a smooth claim settlement?

Food habits and lifestyle have less to do with claim process and more with your monthly insurance premiums when a serious illness is diagnosed. Understand the process with an expert!

Does my insurance offer OPD expenses coverage?

Certain health insurance plans offer OPD cover and assist the insured to claim expenses other than those incurred during hospitalization. Tell us about your insurance to know whether it offers the same.

Are OPD expenses covered without admission?

Many insurers offer health insurance policies with coverage for OPD expenses such as medical bills, diagnostic tests, ambulance charges, health checkups, dental treatments, etc. Ask an expert to learn what your insurance covers.

How to know what treatment my insurance covers?

Simple! Log in and talk to a ClaimTherapist expert, share your insurance details and we will guide you. Chat with an expert now!

What expenses does my insurance cover?

Ambulance charges

During a medical emergency, your ambulance charges may be covered by your policy. Learn more from an expert.

Hospitalization stay charges

When an illness requires hospitalization or if your doctor suggests the same, your hospital stay charges will be insured. Learn how!

Non-medical charges and copayment

Cashless treatments are not 100% cashless; there is always a fixed cost which is liable to the patient, irrespective of the insurance policy. Know more from the expert.

Cost of medicines & medical tests

The cost of medicines and medical test pre & post surgery could be covered. Know from the experts.

OT charges

In case of a surgery, Operation Theatre charges are covered under your policy. Ask an expert about which documents you will need.

Surgeon charges

In case of major surgeries, the surgeon charges a specific amount which adds to the surgery cost itself. Consult with an expert before claiming the surgeon charges.