Pooja Agarwal

In case of an accident, file an FIR immediately if there is third-party damage or injury. (Reference: 2096)

Check for room rent capping in your policy. It can significantly reduce your claim settlement amount. (Reference: 5372)

Ayush treatments are now covered by many insurers up to a certain limit. (Reference: 2192)

Maternity benefits usually have a waiting period of 9 months to 2 years. (Reference: 4068)

Cashless admission requires pre-authorization. Make sure to inform the TPA at least 24 hours in advance for planned surgeries. (Reference: 6320)

Always declare the correct IDV (Insured Declared Value). Lower IDV saves premium but reduces claim amount in total loss. (Reference: 7054)

Keep all original bills and discharge summary safe. The insurer will need physical copies for reimbursement. (Reference: 2786)

Third-party insurance is mandatory by law, but comprehensive cover saves you from own damage expenses. (Reference: 7820)

Yes, you should definitely opt for this. It provides a safety net for your family in your absence. (Reference: 4168)

Make sure to check the Claim Settlement Ratio (CSR) of the insurer before buying. It is a critical factor. (Reference: 1403)