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View and download policies, proposal forms, detailed wordings, network hospital list etc.

Interact with servicing team.

See escalation matrix, send service requests, track progress, get acknowledgements etc.

Manage claims.

Intimate claim, fill claim form, share documents, track status, get reminders etc.

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Product Features

  • Lifelong Renewability

    Lifelong Renewability

    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

  • Comprehensive Cover

    Comprehensive Cover

    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

  • Cashless Treatment

    Cashless Treatment

    The insurances offer cashless treatment is a large network of hospitals. Even if you visit hospitals outside of the network costs will be reimbursed

  • Highly Rated

    Highly Rated

    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

WHY CLAIMS GET REJECTED?

Pre-existing disease exclusion

Pre-existing disease exclusion

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

Disease waiting periods

Disease waiting periods

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

Room rent caps

Room rent caps

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

  • Claim Documentation

    Claim Documentation

    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.

  • Add-on Covers

    Add-on Covers

    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.

  • Exclusions

    Exclusions

    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.

Why Securenow

  • DEEP PRODUCT KNOWLEDGE

    We have specialized health underwriters who can give specific recommendations to you.

  • COST-EFFECTIVE INSURANCE

    We work with all insurers to get you the best options- both in terms of price and features.
     

  • QUICK TURNAROUND

    Proposal forms and medical tests are quickly turned around. We follow up with insurers to make sure the insurance is issued fast.

  • STRONG CLAIM SUPPORT

    We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

  • VALUE ADDED SERVICES

    We support you if you need to get medical tests done or would like access to our wellness programmes.

  • POLICY ADMINISTRATION SYSTEM (PAM)

    See all your insurances and renewal information in one place. Place service requests on PAM.

  • MINT MEDICLAIM RATINGS

    A comprehensive, fact-based rating of all the individual health insurance products in the market. This is the benchmark for comparing health insurance.

  • NOTIFY

    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.

Downloads

  • proposal form

  • Claim forms

  • Policy wordings

  • Network hospital list

FAQs

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