FAQs

Some insurers allow conversion, but benefits may differ. A separate personal policy is more dependable.

Yes. Employer coverage is temporary and often limited. A personal policy ensures continuity.

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

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

No. Earned waiting periods are carried forward.

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

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, es

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

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

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

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

Yes, we can help evaluate it for free.

No, data is kept private and secure.

Yes, 100% free with no obligation to buy.

Health insurance is a financial product that covers medical expenses for hospitalization, surgeries, and treatments based on the policy’s sum insured and coverage.

Individual, family floater, group, senior citizen, critical illness, and top-up plans.

Any illness you had before buying the policy. Covered after a waiting period of 2-4 years.

The time before certain treatments are covered. Usually 30 days for new policies, 2-4 years for pre-existing diseases.

The insurer pays directly to a network hospital. You only pay non-covered expenses.

A reward for no claims, given as a sum insured increase or a renewal premium discount.

Yes, but with a waiting period of 9 months to 4 years, depending on the policy.

Yes, you can claim from multiple policies, starting with one and using another if needed.

Cosmetic surgery, dental care (unless accident-related), self-inflicted injuries, drug abuse, and alternative treatments.

Choose higher deductibles, stay healthy, opt for a family floater, and use No Claim Bonus benefits.