Question 1

Does health insurance cover pre-existing diseases?

Accepted Answer

Yes, but after a waiting period of typically 2-4 years depending on the insurer. Conditions like diabetes, hypertension, and thyroid issues are covered after the waiting period expires.

Question 2

What is cashless treatment in health insurance?

Accepted Answer

At network hospitals, the insurer pays the hospital directly — you don't need to pay upfront. Simply show your health card at admission and the insurer settles the bill directly.

Question 3

Are maternity expenses covered under health insurance?

Accepted Answer

Some plans cover maternity after a 9-12 month waiting period, including normal delivery, C-section, and newborn care. Coverage limits vary — check specific plan details.

Question 4

What is a no-claim bonus in health insurance?

Accepted Answer

If you don't file any claims during a policy year, your coverage amount increases by 10-50% at renewal without extra premium. This rewards healthy policyholders.

Question 5

Can I include my parents in my health insurance?

Accepted Answer

Yes, family floater plans can include parents (usually up to age 65-70). Alternatively, separate senior citizen health plans are available with age-specific coverage.

Question 6

What expenses are NOT covered by health insurance?

Accepted Answer

Common exclusions include cosmetic surgery, dental treatment, spectacles, fertility treatment, self-inflicted injuries, and injuries from adventure sports unless specifically covered.

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