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FAMILY HEALTH INSURANCE

ABOUT

A healthy family is a happy family. We live in a fast world where fast food has overtaken traditional cooking and everyone wants everything at once. All the shortcuts that we follow lead us early to the grave as so many new diseases and disorders are lurking just around the corner. Despite modern conveniences and advances in medicine, the disease rate is on the increase in India. Quality healthcare comes at a price that may not always be affordable. Health Insurance is the answer to sudden and unexpected healthcare expenses. The policy holder and his family members who are insured can avail medical expenses and surgical costs through health insurance policies.

Please note that several that the Family Health Policy does not cover certain expenses/treatments such as

  • Charges that may be incurred within 30 days of buying the Policy.
  • Outpatient treatments and routine medical check-ups.
  • Treatment for fertility issues, sexually transmitted diseases, alcohol and drug abuse, mental illness and psychological disorders.
  • Illness or injury caused due to illegal activities, self-infliction and suicide.
  • Cosmetic/Plastic/Aesthetic Surgery unless required post an accident and Gender change surgery.
  • Maintaining the policy holder on life support system when there is no chance of recovery.

FAMILY HEALTH INSURANCE

BENEFITS

Most Health Insurance Policies will have the following benefits:

  • Cashless transaction for treatment
  • Covers hospitalization charges, surgical costs, doctor fees and ambulance charges.
  • Floater sum insured for all family members instead of individual sum insured for each person.

Claims

The claim process for health insurance varies for different companies. Below are some general steps taken by the policyholder to initiate claim for this insurance:

  • Inform Third Party Administrator under the policy and Sriyah Insurance Brokers before or at the time of getting admitted at the hospital.
  • Fill the claim form with policy number and necessary details.
  • Provide required documents such as hospital bills, discharge summary, test reports, etc., in originals.
  • Sriyah will start the claim process with the Insurer/TPA.

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