Health insurance in Jodhpur, compared across insurers

Individual or family floater?

An individual policy gives each person their own sum insured. A family floater shares one sum insured across everyone on the policy. That usually costs less, but it can run short if two people need hospital care in the same year. Families with older parents often do better keeping the parents on a separate policy. We work it through with your actual family.

What to read before you buy

Two policies with the same sum insured can pay out very differently. These are the lines we check in each insurer's wording for you:

• Waiting periods for pre-existing conditions and for specific illnesses and procedures.
• Room rent limits, which can reduce the whole claim, not only the room charge.
• Co-payment, where you pay a share of every claim yourself.
• Sub-limits on particular treatments.
• Network hospitals in and around Jodhpur, where you can be treated cashless.
• Cover before and after hospitalisation, and for day-care procedures.

Tell the insurer everything

Declare every existing condition and regular medication on the proposal form, even if it seems minor. Non-disclosure is a common reason claims run into trouble later. We help you fill in the form correctly the first time.

Already have a policy?

You can move your policy to another insurer at renewal. Under IRDAI's portability rules, the time you have already served on waiting periods counts with the new insurer, as per its terms. Either way, renew on time: a lapsed policy can lose that continuity.

When you are admitted

For a planned admission at a network hospital, cashless approval is requested in advance. In an emergency, the hospital's insurance desk raises it after admission. At a non-network hospital you pay the bill and claim reimbursement with the bills and reports. In every case, call us and we will help you with the insurer's paperwork.

Questions about health insurance

Cover, waiting periods and exclusions are as per each insurer's policy wording.