Q) Why do you need health insurance?
Today’s lifestyle is such that people are more prone to repetitive ailments, disorders and as such lack of stamina. Apart from competing with growing technology, one also has to compete with health conditions. It’s not always possible to, ‘Eat Healthy and Think Better’. Health costs are also increasing by 20%, on an annual basis. Considering all this, it makes economical sense to invest in a superlative health insurance plan. Besides, investment in Health Insurance can help you save with additional tax exemption to the tune of Rs.30,000 under Section 80D

Q) How do you select the appropriate Health Cover?
The appropriate cover amount depends upon the certain factors such as, your age, pre-existing diseases, financial status, lifestyle, the frequency at which you use the cover, your need for a basic cover or comprehensive cover, short tem cover or long term cover etc. If you want us to help you on selecting an appropriate cover for you, Pls do not hesitate to call/chat/email us or you can compare different types of health policy from our website.

Q) What are the salient features of this policy?
Though the features may vary from insurer to insurer, some basic features are:
1 Reimbursement for Hospitalization due to illness/disease/ surgery.
2 Reimbursement for Domiciliary Hospitalization expenses in lieu of     Hospitalization.
3 Pre-hospitalization expenses
4 Post-hospitalization expenses
5 Ambulance Charges
6 Cashless Access
7 Income Tax Benefit etc

Q) If you have to buy a policy for a family of more than four members, do you need to buy an additional one?
For a family of 4 people, Insurance companies gives you the Family Plan/ Family Floater coverage, but for a family of more then four, you have to buy an additional plan.

Q) Should you take a medical check up before you buy the policy?
Yes, most of the policies would need a medical check up report, not older then 180 days.

Q) Does a plan cover any Pre-existing diseases?
Pre existing diseases, as the name suggests are diseases a person had before obtaining the insurance policy. Some health insurance plans will cover pre-existing conditions after a certain time period while others may completely exclude them.

Q) Are maternity expenses covered?
No, pregnancy and pregnancy related hospitalization expenses are not covered

Q) Is homeopathy/ayurvedic/yunani treatment covered?
No, only allopathic treatment is covered under this policy

Q) Are accidental injuries covered?
Yes, accidental injuries, which require hospitalization for a period of at least 24 hours or more, from the first day of the policy coverage period.

Q) Do you offer the best prices?
At Instapolicy, we work hard every day to make sure you get the best insurance product at very competitive price in the minimum possible time. Premium for Insurance plans listed on our website is the same as provided by Insurance companies or insurance agents, brokers or by any other Insurance provider. No one else can offer you premium lower that the premium listed on our website for the same Insurance Plans. At Instapolicy, we don't favour any Insurance Company and provide unbiased information to the customers.
We don't charge any commission from customers. We are paid by Insurance Companies directly. You will never be overcharged. You can shop with confidence at instapolicy.com.

Q) Whom should I call, if I need assistance on selection of a policy?
We are committed to provide you with top-quality customer service. Our customer care center is ready to assist you. Call us- You can call us at 18004257337 from Mon - Fri, 10am to 6pm,or you can SMS JRG to 56767. Email us- inquiries@insatapolicy.com. One of our customer care representative will reply to you soon.

Q) What is a deductible?
A "deductible" is a specific rupee amount that the insured would need to pay from his pocket, before availing any benefits from the health insurance policy.

Q) What is a co-payment?
A "co-payment" or "co-pay" is a specific charge that your health insurance plan may require you to pay for a specific medical service or supply. Insurance company then pays the remainder charges.

Q) What is co-insurance?
Coinsurance is the amount that you are required to pay for a medical claim, apart from any co-payments or deductible. For example, if your health insurance plan has a 20% coinsurance requirement (and does not have any additional co-payment or deductible requirements), then an Rs1000 medical bill would cost you Rs200, and the insurance company would pay the remaining Rs800.