Your Health Insurance should pay when you really need it!

For planned admissions, inform in advance. You should inform your insurer about hospitalization promptly: 48 hours before for planned admissions and within 24 hours of admission for emergencies

Plans with higher coverage, low co-pay, and strong claim support are ideal.

Cashless claims are typically settled during discharge. Reimbursement claims may take 3–4 weeks after document submission.

Generally, no, unless there is fraud or misrepresentation.

OPD is usually not covered unless specifically included as an add-on.

Non-disclosure can lead to claim rejection or policy cancellation. Full and honest disclosure is critical at the time of purchase.

 

No. Earned waiting periods are carried forward.

 

Yes, NRIs can purchase Indian health insurance policies.

Yes. Pre-authorisation approval is mandatory for cashless treatment at network hospitals.

Renew before the due date to avoid lapses and loss of benefits.

Yes. Senior citizen plans are available, though premiums and co-payments may be higher.

 

It may help frequent users but is often not cost-effective for most people.

 

Failing to mention known illnesses, ongoing treatments, or prior hospitalisations—even if unintentionally.

It allows you to switch insurers while carrying forward waiting period benefits.

 

You can still claim via reimbursement, subject to policy terms and coverage limits.

Not always. Expenses due to exclusions, sub-limits, co-payments, or non-covered items may still be payable by you.

At Staywell.Health, we focus on long-term suitability(right product match) and claims support(Claims Kavach), not just policy sales.

Some policies cap payouts for specific treatments like cataract or knee replacement, even if your overall cover is high.

Yes. Every customer of Staywell.Health gets access to the Staywell Claims Kavach which helps to guide you through documentation, insurer coordination, and escalation if needed We step in to assess, escalate, and support you through the resolution process.
Policy Limits, Clauses & Fine Print

A co-payment means you pay a fixed percentage of the claim. It is common in senior citizen policies and certain hospitals or age brackets

A room rent limit caps the category of hospital room you can choose. Exceeding it can trigger proportionate deductions across your entire bill.

Some insurers offer limited policies to foreign nationals residing in India.

Staywell Claims Kavach is structured claims-support promise offering timely guidance and escalation assistance to customers of Staywell.Health.

Often no, unless specifically included. Consumables are a common source of unexpected out-of-pocket expenses.

Health Insurance Costs vary based on age, cover, city, and health, starting from a few thousand rupees annually.

Health Insurance Premiums qualify for tax deductions under Section 80D up to specified limits.

Health Insurance Premiums may vary due to differences in benefits, exclusions, pricing models, and risk assessment.

Premiums rise as health risks increase, especially after 45–50 years.

The hospital submits documents to the insurer/TPA for approval before or during treatment.

Policy details, hospital bills, discharge summary, prescriptions, and diagnostic reports.

Non-disclosure, waiting periods, exclusions, incorrect documents, or exceeding limits.

Cashless insurance allows direct settlement between the insurer and network hospitals.

The Insurance Ombudsman is an independent authority that oversees disputes after insurer escalation.

Common reasons include documentation gaps, exclusions, policy limits, or insurer queries.

When you take a policy from Staywell.Health, all you have to do file a health insurance claim is to call the helpline number.

Normally, one would have to seek clarifications, escalate within the insurer, and approach the Ombudsman if unresolved. However, when you take a policy from Staywell.Health, you can rest assured that we will handhold you to get what is rightfully due to you.

A top-up plan provides additional coverage beyond a deductible limit at a lower premium.

A balanced approach works best—adequate base cover plus a super top-up for large expenses.

NCB rewards claim-free years with higher coverage or premium discounts.

Top-ups activate per claim, while super top-ups activate once total annual expenses cross the deductible. This makes super top-ups better for frequent claimants needing broader protection from multiple hospitalizations, while regular top-ups are cheaper for fewer, larger single-claim events.

It restores your sum insured after it is exhausted, useful for multiple hospitalisations in a year.