Cashless Claim in Health Insurance: Process, Documents and IRDAI Timelines (2026)
Cashless Claims in Health Insurance: Meaning, Process & Documents AI OVERVIEW A cashless claim lets the insurer (or its TPA) settle your hospital bill directly with the hospital, so you pay only non-payable items, co-pay or amounts beyond your limits. It works at the insurer’s network hospitals; industry initiatives have also expanded cashless access to […]
Free Look Period in Health Insurance: 30-Day Rule, Refund Calculation and Process
What is A Free Look Period in Health Insurance? AI OVERVIEW The free look period is a window after you receive a new health insurance policy during which you can review it and cancel it for any reason. IRDAI rules now give 30 days from the date you receive the policy document (physical or electronic). […]
Does Health Insurance Cover Genetic Disorders in India? Rules, Court Cases and Tips
Does Health Insurance Cover Genetic Disorders in India? AI OVERVIEW Health insurance in India can cover genetic disorders, but how depends on timing and policy terms. In 2018, the Delhi High Court held that a broad “genetic disorders” exclusion was ambiguous and discriminatory, and IRDAI issued a circular in response; the Supreme Court later stayed […]
How to Read Your Health Insurance Policy Document: A Section-by-Section Guide
AI OVERVIEW A health insurance policy has four key parts: the Policy Schedule (who is covered, sum insured, dates, premium, add-ons, declared conditions and the product’s IRDAI Unique Identification Number), the Customer Information Sheet (IRDAI-mandated one-page summary of key features, exclusions and waiting periods), the Policy Wording (definitions, coverage, exclusions, conditions, claim procedure and grievance […]
