View and download policies, proposal forms, detailed wordings, network hospital list etc.
See escalation matrix, send service requests, track progress, get acknowledgements etc.
Intimate claim, fill claim form, share documents, track status, get reminders etc.
Buy insurance that can be renewed lifelong. The insurer cannot deny you a renewal or increase your prices even if you have made a claim
Cover costs of hospitalisation, day-care procedures, OPD and diagnostic procedures related to the hospitalisation. Several products include OPD, maternity and international treatment benefits. The entire family can be covered in one insurance
The insurances offer cashless treatment is a large network of hospitals. Even if you visit hospitals outside of the network costs will be reimbursed
We identify the best rated plans for you. The ratings build in cost, product features and claims payment which makes the recommendations robust. No need for detailed searches or comparisons. We’ve done the work and identified the best insurances for you
Many claims are rejected because they were caused by diseases that existed before you bought the insurance. This can be addressed in two ways. First, to ensure that a full medical check-up is done in the initial stages and second, to buy health insurance with the least exclusion period for pre-existing diseases
Several insurances have waiting periods for diseases where treatment can be planned such as a joint replacement, benign cyst removal or cataract. We select products with the least waiting periods and exclusions. We also make it clear to you what the waiting periods are
This is not the main reason for claim payments lesser than the medical costs incurred. If you are hospitalised in a room that costs more than the limit set in your insurance then any claim made is reduced in the proportion that you exceeded the room rent limit. We address this by identifying products that allow hospitalisation in a single room without restrictions
Most claims get settled in a cashless way. You need to share your insurance details with the insurance desk and they take care of the paperwork. Any issues or delay can be escalated to us using our mobile app or contact numbers. We make sure that the process happens fast. In cases where a reimbursement claim is filed, we ensure the documentation is complete and then follow through on payment with the insurer.
Extensions are available to cover critical illness, OPD, international treatment, maternity. You can also buy top-up health insurance that complements a standard health insurance plan.
Treatment of pre-existing diseases is excluded for a certain number of years, 2 to 4 depending upon the insurance. There are waiting periods for select planned treatments. Cosmetic and dental treatments are generally excluded. External congenital diseases and lasik is generally not covered.
We have specialized health underwriters who can give specific recommendations to you.
We work with all insurers to get you the best options- both in terms of price and features.
Proposal forms and medical tests are quickly turned around. We follow up with insurers to make sure the insurance is issued fast.
We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.
We support you if you need to get medical tests done or would like access to our wellness programmes.
See all your insurances and renewal information in one place. Place service requests on PAM.
A comprehensive, fact-based rating of all the individual health insurance products in the market. This is the benchmark for comparing health insurance.
An android and iOS app to keep track of all your insurances. Get insurance contracts and other details instantly. Renewal reminders sent over phone and email.
Network hospital list