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Claims FAQs
I am diagnosed with COVID, can I buy ProHealth/Super Top Up policy now?
Yes, you can apply for the insurance cover but issuance of this policy will be subject to underwriting.
Will there be any additional premium due to this relaxation of waiting period?
No, there is no impact on policy premium due to relaxation of “30 day waiting period”.
Does this relaxation apply to HMB benefit under ProHealth Insurance?
Waiting Periods and Permanent Exclusions including Co-pay’s do not apply to Health Maintenance Benefit.
I am diagnosed with COVID and I have some other morbidity condition(s), does this relaxation apply to treatment of such condition(s)?
Yes, along with Covid treatment if there is some other morbidity condition(s) for which treatment is necessary to recover, then for such conditions this relaxation will be applicable.
Are pre-hospitalization expenses covered for first 15 days of the policy for COVID claims?
No, Pre-hospitalization and hospitalization expenses will be covered after 15 days waiting period for Covid claims and after 30 days for Non-Covid claims. Claims arising due to accidents will be covered from day 1.