| Author | Message | ||
Rrunner Junior Artist Username: Rrunner Post Number: 293 Registered: 07-2008 Posted From: 185.158.101.10 Rating: N/A |
Here are the Exclusions for Apollo: All treatments within the first 30 days of cover except any accidental injury Any pre-existing condition will be covered after a waiting period of 3 years 2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc. Expenses arising from HIV or AIDS and related diseases Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind Pregnancy, dental treatment, external aids and appliances unless covered under the specific Easy Health Insurance Plan Items of personal comfort and convenience Experimental, investigative and unproven treatment devices and pharmacological regimens | ||
Abhysg Legend Username: Abhysg Post Number: 41620 Registered: 08-2008 Posted From: 72.219.210.147 Rating: N/A |
not a pre existing condition... it's diff issue/treatment.. but insurance vallu same old treatment continuation antonnar | ||
Rrunner Junior Artist Username: Rrunner Post Number: 292 Registered: 07-2008 Posted From: 185.158.101.10 Rating: N/A |
For pre-existing conditions whether you claim or not it does not matter.It will not be covered during the initial 3 years of policy coverage. They have a list of pre-existing and a list of conditions for emergency. In your case only emergency services like say an accident wound/surgery would be covered as per my knowledge. | ||
Abhysg Legend Username: Abhysg Post Number: 41604 Registered: 08-2008 Posted From: 72.219.210.147 Rating: N/A |
a family member is admitted into hospital for some issue... it looks like insurance denied coverage based on historical reports stating current treatment is related to earlier one.. but we nevver claimed for prev treatment.. policy was taken 3 months back only.. already 30day waiting period over.. | ||
Andhrawala Legend Username: Andhrawala Post Number: 61693 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
India lo insurance is called Hospitalization insurance as generally OP is not prohibitively expensive in India unlike US No Signature | ||
Rrunner Junior Artist Username: Rrunner Post Number: 291 Registered: 07-2008 Posted From: 183.82.108.75 Rating: N/A |
Outpatient procedures are "Rarely" covered under health insurance.Minimum 1 day hospital stay is required to be considered for Inpatient status and for most claims. | ||
Rrunner Junior Artist Username: Rrunner Post Number: 290 Registered: 07-2008 Posted From: 183.82.108.75 Rating: N/A |
for apollo there is a medical team sitting in pune who would evaluate your case and either accept or reject based on their policy guidelines. | ||
Rrunner Junior Artist Username: Rrunner Post Number: 289 Registered: 07-2008 Posted From: 183.82.108.75 Rating: N/A |
In India if you have personal health insurance(not through employer) for less than 3 years of continuous coverage, then most of the claims will be rejected due to various clauses like preexisting conditions.so unless it is an emergency procedure and with prior approval.I don't think anybody would be able to circumvent the claim process. | ||
Abhysg Legend Username: Abhysg Post Number: 41601 Registered: 08-2008 Posted From: 72.219.210.147 Rating: N/A |
bump anyone working with appolo munich health insurance in hyd/india? | ||
Abhysg Legend Username: Abhysg Post Number: 41593 Registered: 08-2008 Posted From: 72.219.210.147 Rating: N/A |
I need some help.. one of my relative's claim is rejected.. they are giving some excuse... asking to pay and reimburse which may not likely go smooth. let me know if you know anyone.. pls send contact to abhysg @ gmail.com |