Find the Best Health Plan for Your Family

At any of our empaneled network hospitals, you present your health card or policy copy along with government ID at the hospital insurance/TPA desk. The hospital initiates an online pre-authorization request. The insurer reviews the request and issues an approval (often within 30 to 45 minutes for verified admissions). Upon discharge, eligible medical expenses are settled directly by the insurer with the hospital, subject to policy terms.

A pre-existing disease (PED) refers to any health condition diagnosed, treated, or advised for treatment prior to policy inception (such as diabetes, hypertension, or asthma). Under standard IRDAI guidelines, waiting periods range between 2 to 3 years. However, several top insurers now offer approved riders that allow policyholders to reduce this waiting period to 1 year or 30 days for specified conditions upon payment of an applicable premium.

Yes. Under IRDAI portability regulations, you can switch from your current insurer to a new insurer without losing accrued waiting period credits or cumulative bonus benefits. To port smoothly, the application must be submitted to the new insurer at least 45 days prior to your policy renewal date.

Room-rent limits are one of the most common causes of unexpected out-of-pocket hospital expenses. When a policy caps room rent (for example, at 1% of the sum insured), choosing a room above that limit triggers proportionate deduction across associated costs like doctor consultations, ICU charges, and operation theatre fees. Opting for a plan with No Room Rent Limit or Single Private AC Room eligibility prevents these deductions.

In a Family Floater policy, a single common Sum Insured (such as ₹25 Lakh) is shared across all covered family members (Self, Spouse, Children). If one member falls ill, they can utilize the entire cover. For senior citizen parents (age 60+), an independent Individual policy is often recommended so that their claim history does not exhaust the family floater pool or affect cumulative bonuses.

Yes. Modern health insurance policies cover daycare procedures that no longer require 24 hours of hospitalization due to medical and surgical advancements. This includes treatments like cataract surgeries, dialysis, chemotherapy, radiotherapy, and minor orthopedic procedures, all covered under standard cashless terms.

Letsbima.com provides dedicated human claims support. We guide you on network hospital selection, help review pre-authorization documentation, assist with hospital TPA desk coordination, and help you compile paperwork for pre/post-hospitalisation reimbursement claims. In Delhi NCR, our team can also provide on-ground advisory support.