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Health Insurance

How to port a health insurance policy? (Easy Steps)

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How to port a health insurance policy? (Easy Steps)

A health insurance policy is a contract between an insurance company and the insured. Even though it is usually a long term contract, it is not mandatory for the insured person to continue with the health insurance company in perpetuity. The insured can easily replace his old insurance provider with a new one; This process is called insurance porting and this feature was introduced by the IRDA of India.

Let us now address some of the most important questions with respect to porting your health insurance policy:

  • Why would you want to port your health insurance policy?
  • What are the benefits of porting your health insurance policy?
  • What are the steps of porting your insurance policy?
  • What are the documents required to port an insurance policy?
  • What are some special points to keep in mind?

Why would you want to port your health insurance policy?

There are a variety of reasons why a person would want to port their health insurance policy. It is possible that he or she may be getting a better premium rate, he or she may be unhappy with the customer support, or he or she may be getting better bang for their buck with another insurance provider. All of the above are valid reasons for a person to port their health insurance policy.

What are the benefits of porting your health insurance policy?

Let us talk about some of the most pertinent benefits in porting a health insurance policy:

 

Lower premium rates: The IRDA of India has created an environment of high competition among insurance companies in India. Due to this, insurance companies are constantly looking to get more customer by slashing premium rates. A policyholder can leverage this situation and look to port their policy to another insurer.

Better coverage: Similar to the tactic of reducing premium rates, insurance companies also provide additional services, perks and additional coverage to attract customers. You can take advantage of this.

Better service: At times, a customer may be satisfied with the premium rates and the coverage provided by his current insurer but he may be highly dissatisfied by the kind of service provided to him. This is where he may opt to port his policy from his current provider to another company that has a track record for providing better customer service and satisfaction.

Higher claim settlement ratio: The claim settlement ratio is the percentage of claims a health insurance company settles. For instance, if a health insurance company receives 100 claims, and settles only 95 claims, the company’s claim settlement ratio is 95%. A high claim settlement ratio should be of paramount importance while considering buying a health insurance policy.

What are the steps of porting your insurance policy?

Let’s now understand the steps of porting your insurance policy.

Step 1) Intimate your new health insurance provider

Once you have zeroed in on your new health insurance provider, initiate a portability request with them. Ensure that you have placed this portability request 45 days prior to the renewal date of your current policy.

Step 2) Fill-up and submit the portability form

The insurance company will now provide you with a portability form and a proposal form. You will need to fill-up these forms accurately and honestly and furnish them to your new insurance provider.

Step 3) Port to your new insurance provider

The insurance company will now take a maximum of 15 days to decide on your application. If the new insurance company decides to port your account, you will now have an insurance contract between yourself and your new insurer. The old insurance contract will now be terminated.

What are the documents required to port an insurance policy?

The following documents will be required to initiate a porting request:

  • Policyholder’s identification documents and address proof (Aadhar Card, PAN Card, etc)
  • Old policy bond
  • Details pertaining to any previously made claims
  • proposal form and portability form

What are some special points to keep in mind?

There are 2 important points that you need to keep in mind before porting your health insurance policy, they are:

No claim bonus: It is imperative to keep in mind that your No Clam Bonus (NCB) if any is carried on from your last insurer to your new insurer. You do not want to miss out of any NCB coverage that you may have accumulated in your last insurance policy.

Coverage: Another very important aspect to keep in mind is if there is any divergence in the level of coverage provided by your old insurer and your new insurer. If your new insurance provider provides additional coverage, then that is fine but there should not be less coverage than before. Check the policy brochure and policy bond in detail before taking the leap.

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Frequently asked questions

  • Can you port your health insurance policy in India?

    Yes, you are eligible towards insurance portability as per the IRDA of India.

  • How many days prior do I need to inform my new insurance provider about portability?

    You must ensure that you inform your new insurance provider 45 days prior to your current insurance policy's renewal date.

  • Is NCB carried forward after portability?

    Yes, NCB is generally carried forward. But you must verify this with your new insurance provider.

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    Health Insurance

    Park Mediclaim TPA (Role, Features, Customer Care, and More)

    TPA

    Park Mediclaim TPA (Role, Features, Customer Care, and More)

    Park Mediclaim Insurance TPA is an Indian Third Party Administrator (TPA) Company, which acts as a link between insurance companies and policyholders. It is the role of the TPA Company to provide customer support, customer education, and claim management.

    Let us now talk about some of the main aspects of Park Mediclaim Insurance TPA, such as:

    • Role of Park Mediclaim Insurance TPA
    • How to login and register?
    • How to submit a claim?
    • Important Downloads
    • Empaneled Hospitals
    • Customer Support

    Role of Park Mediclaim Insurance TPA

    Customer Enrollment: The company engages in the enrollment and education of potential insurance buyers. Once educated, the company then offers the best possible insurance products to their clientele.

    Customer Support: Once enrolled, it is the role of Park Mediclaim Insurance TPA to provide quality customer support to policyholders, both during hospitalizations as well as pre and post hospitalization.

    Health Card: It is the job of the TPA company to furnish the policyholder with his/her Insurance Health Card. The policyholder can avail treatment only once they furnish this Health Card to the hospital.

    Claims Management: All claim related queries, grievances, and support will be extended by the TPA Company to the policyholder.

    How to login and register?

    Some of the benefits and features of Park Mediclaim Insurance TPA can be accessed by registering and logging into their official website. How can you do this? Here’s how:

    Step 1) Visit the official website of Park Mediclaim TPA

    https://www.parkmediclaim.co.in/

    Step 2) Navigate to the ‘Login’ section on the top bar

    Step 3) Select your ‘Login Type’

    Here, you will have to select your login type. There are various types of logins, such as:

    • Agent Login
    • Corporate Login
    • Broker Login
    • RO Login
    • Branch Login
    • Hospital Login
    • Admin Login
    • Employee Login

    Once selected, enter your Username and Password and click on ‘Login.’

    How to submit a claim?

    Submitting an insurance claim is one of the most important aspects. Let us now understand how you can submit an insurance claim with Park Mediclaim TPA

    How to submit cashless claim?

    Step 1) Inform the TPA Company or Insurance Agent

    First, you will need to inform your TPA Company or Insurance Agent.

    Step 2) Submit your Health Card to the hospital

    Your hospital will request your Health Card or your Policy Bond, you will have to submit this during the admission process.

    Step 3) Fill-up the forms

    Now, you will have to fill-up and submit the Pre-authorization form, attached your ID and address proof, and submit it to the hospital. Post submission, the hospital will verify your details with the TPA company, and upon verification they will accept your cashless request.

    Once your cashless request is accepted, all hospital payments will be paid by the insurance company directly to the hospital.

    How to submit reimbursement claim?

    Step 1) Inform the TPA company or Insurance Agent

    First, you will need to inform the TPA company or the Agent.

    Step 2) Submit your Health Card to the hospital

    Your hospital will request your Health Card or your Policy Bond, you will have to submit this during the admission process.

    Step 3) Keep all original documents

    After admission, you will have to ensure that you store all hospital related documents like admission summary, discharge summary, bills, reports, receipts, etc. All of these documents will have to be submitted to the TPA company after discharge.

    Step 4) Submit all documents after discharge

    Upon discharge, fill-up the claim form and attach all of your medical documents. Now, submit these documents to the TPA company. Your claim will now be registered.

    Step 5) Follow-up after your claim

    You will also have to follow-up on the status of your claim on a timely basis.

    Important Downloads

    Important insurance related downloads can be accessed through the Park Mediclaim TPA website here. Important downloads include:

    • Pre-auth Form
    • Hospital Agreement
    • Claim Forms
    • PPN Declaration Letter
    • TPA Information Sheet
    • Empaneled Hospitals List

    Empaneled Hospitals

    If you want to avail cashless treatment, then the policyholder will have to get admitted to an empaneled hospital. Check a list of empaneled or network hospital here. Once on this page, enter your city, state, hospital name, and then press on ‘Submit.’

    Customer Support

    Type

    Contact Details

    Phone Number

    (+91) 11-43191000-100 / 1800-11-55-33

    Email Support

    park@parkmediclaim.co.in

    info@parkmediclaim.co.in

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Categories
    Health Insurance

    Does Health Insurance cover Dental Treatment?

    dental

    Does Health Insurance cover Dental Treatment?

    With the increasing penetration of health insurance, health insurance companies have begun introducing more comprehensive coverage. However, in the case of dental insurance, most companies do not offer dental coverage as a standalone policy but can be purchased as an additional cover or an optional rider.

    In this article we will talk about the following:

    • What does dental insurance cover?
    • Importance of dental insurance coverage
    • Companies offering dental insurance coverage
    • Inclusions and exclusions under dental coverage

    What does Dental Health Insurance cover?

    In simple terms, in dental cover, any dental treatment related to illnesses, accidents, or injuries will be covered under the plan. To cover the cost of these treatments it is always advisable to buy a dental cover keeping in mind the cost of medical inflation.

    Importance of Dental Insurance

    1.) Protect your finances

    Nowadays dental treatment is expensive due to inflation, innovation, usage of high-tech set-ups, etc. Hence to avoid having to spend your hard-earned money on these expensive treatments it is always safer to buy a dental cover along with a standard health plan.

    2.) Routine dental check-ups

    Many health insurance companies provide the policyholder free dental health check-ups to take necessary care of the individual’s oral hygiene.

    3.) Free consultations

    The policyholders will receive a number of free consultations under the cover depending on the policy scope.

    4.) Teeth whitening

    Some health insurance companies also provide compensation for teeth whitening treatments or procedures.

    5.) Tax benefit

    Avail of tax benefits on your health insurance premiums under Section 80D of the Income Tax Act.

    Companies offering Dental Insurance coverage

    Following are the health insurance companies that offer dental coverage

    Sr. No

    Company Name

    Plan Name

    1

    Care Health Insurance

    Care Plus Plan

    2

    TATA AIG

    TATA AIG Medicare Premier Plan

    3

    Digit Health Insurance

    Digit Care Plus Plan

    4

    Future Generali Health Insurance

    Future Total Health Plan

    5

    Chola Ms Health Insurance

    Chola Ms Privilege Healthline Plan

    6

    Kotak Mahindra Health Insurance

    Health Premier Plan

    7

    ManipalCigna Health Insurance

    ProHealth Insurance

    8

    Oriental Insurance

    Oriental Mediclaim Policy

    9

    Reliance Health Insurance

    Digital Care Management Policy

    10

    SBI Health Insurance

    SBI Arogya Plus Plan

    11

    Star Health Insurance

    Star Comprehensive Plan

    12

    Aditya Birla Health Insurance

    Activ Health Platinum Plan

    Activ Health Enhanced Plan

    13

    Raheja Health Insurance

    QUBE Health Insurance Plan

    14

    IFFCO Tokio Health Insurance

    Individual Medishiled Plan

    15

    Edelweiss Health Insurance

    HealthPlus Plan

    Inclusions and exclusions under dental coverage

    Following below are some of the general inclusions and exclusions under dental health cover in India. It is always advisable to thoroughly check the scope and terms of the policy before opting for one.

    Inclusions

    Exclusions

    Dental surgery/Implants

    Cosmetic procedures

    Oral consultations

    Dentures

    Root canal treatments

    Jaw alignment /correction

    Treatment of gum illnesses

    Orthodontic treatments

    Decayed tooth treatments

    Placement of dentures

    Filling of cavity

    Prosthesis

    Accidental damage or injury to tooth/teeth

    Implants

    Frequently asked questions

  • How to select the right dental insurance coverage?

    It is advisable to always compare various dental plans based on their features, benefits, coverage, and premium. Comparing these factors will assist you in purchasing the right dental plan suitable for your needs

  • Can you buy dental health insurance coverage online?

    Yes, you can easily purchase a dental cover online in the comfort of your home. However, we advise you to thoroughly read the terms and conditions of the policy and get your doubts cleared before buying the policy.

  • Is root canal treatment covered under dental insurance coverage?

    Yes, root canal treatment is covered under dental health insurance cover.

  • Does dental health insurance pay for braces?

    No, generally dental insurance does not offer coverage for braces, but many health insurance companies have started offering coverage for the same. It is advisable to check the same in the policy wording.

  • Do all health insurance plans offer dental coverage?

    Health insurance companies do not offer dental insurance as a general standalone policy. However, you can buy it as an additional cover or a rider policy bundled up with a general health plan.

  • Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Categories
    Health Insurance

    Does Health Insurance cover alternative treatments in India?

    ayush

    Does Health Insurance cover alternative treatments in India?

    With the increasing trend in awareness because of its benefits, coverage for holistic treatments like Ayurveda, Ayush, Unani, etc are now widely offered by many health insurance companies.  Many lifestyle illnesses and also chronic diseases have been cured with the help of alternative treatments. Because of the increase in demand for alternate treatments, popularly known as AYUSH treatment, many health insurance companies now offer coverage for the same.

    In this article let us talk about the following:

    • What are alternative health treatments in India?
    • Scope of coverage
    • Plans that offer Ayush coverage
    • What benefits of Ayush coverage?
    • Frequently asked questions

    What are alternative treatments in India?

    In 2013, The Insurance Regulatory and Development Authority of India (IRDA) issued new guidelines which advised health insurance companies to provide plans that cover alternative treatments. Alternative or AYUSH includes treatment like Ayurveda, homeopathy, naturopathy, Unani, and Siddha, in India.

    Scope of Coverage

    Although AYUSH cover is available under a health plan, the same is bundled with a comprehensive health plan. Health insurance companies solely do not offer AYUSH coverage.

    Companies that offer coverage for alternative treatments

    Company Name

    Plan Name

    Care Health Insurance

    Care Plus Plan

    TATA AIG Health Insurance

    Medicare Policy

    HDFC Ergo Health Insurance

    My-health Suraksha Plan

    Optima Secure Plan

    Bajaj Allianz Health Insurance

    Covers AYUSH in most plans

    Kotak Mahindra Health Insurance

    Group Smart Cash Plan

    Group HealthCare Plan

    Chola MS Health Insurance

    Health Line Plan

    Individual HealthLine Plan

    Future Generali Health Insurance

    Health Total Plan

    Oriental Insurance Company

    Super Top Up Plan

    Star Health Insurance

    MediClassic Insurance Plan

    Bharati AXA Health Insurance

    Smart Health Insurance

    Smart Super Health Assure Plan

    Health Advantage Plan

    IIFCO Tokio Health Insurance

    Individual Medishied Plan

    ManipalCigna Health Insurance

    Pro Health Plan

    Super Top-Up Pan

    New India Assurance

    New India Mediclaim Policy

    SBI Health Insurance

    Arogya Premier Health

    Arogya Plus Plan

    Digit Health Insurance

    Digit Health Care Plus

    Universal Sampoo

    Healthcare Plus Plan

    Niva Bupa Health Insurance

    Health Companion Plan

    Apollo Munich Health Insurance

    Easy Health Exclusive Plan

    Relaince Health Insurance

    Health Infinity Policy

    What are the benefits of AYUSH cover?

    Now let us discuss the advantages that you will gain from opting for an AYUSH cover.

    1.) Covers different treatments

    Along with covering allopathy, your plan will also pay for treatments like Ayurveda, homeopathy, Unani, Siddha, and so on, giving more options to the policyholder while deciding the line of treatment.

    2.) Affordable treatment

    AYUSH treatment is highly affordable compared to allopathy treatment hence it is advisable to buy a plan that provides coverage for the same.

    3.) Treatment for cancer

    According to proven studies, alternative treatments like Ayurveda, Siddha, etc have proved to be beneficial in the cure of cancer.

    4.) Widely available

    As opposed to allopathy, AYUSH treatment is easily accessible in remote areas across the country, especially in villages and small towns.

    5.) Inpatient hospitalization

    Expenses incurred from inpatient hospitalization under AYUSH will also be covered as per the terms and conditions of the policy.

    Frequently asked questions

  • What is covered under AYUSH cover?

    Alternative and holistic treatments like Ayurveda, Yoga, Unani, homeopathy, Siddha, naturopathy, and so on is covered under the AYUSH.

  • What is not covered under AYUSH coverage?

    The following are the exclusions under Ayush:

    • Pre and post-hospitalization expenses.
    • Beauty or rejuvenation procedure.
    • Daycare procedures that require less than 24 hours of hospitalization.
  • What are the important reasons for choosing an AYUSH cover?

    The following are the valid reasons to keep in mind while opting for an Ayush cover.

    • AYUSH treatment is comparatively more affordable than allopathy treatment.
    • It is ideal for senior citizens and individuals as the chances of side effects are lesser.
    • Ayush treatment is easily obtainable in rural and urban locations.
    • Highly effective in curing ailments like high blood pressure, sugar, and also in some cases cancer.
  • Who is eligible for AYUSH health coverage?

    Everyone is eligible for coverage if the health insurance company offers its coverage under the policy’s condition.

  • How can you claim AYUSH claim settlement?

    The policyholder can avail of both cashless and reimbursement options in case of a claim.  In case the policyholder is admitted to a network hospital of the company they can avail of cashless option.

    OR

    In case the policyholder is admitted to a non-network hospital of the insurer they will have to opt for reimbursement claim settlement.

  • Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Categories
    Health Insurance

    Good Health Insurance TPA (Features, Downloads, and More)

    TPA

    Good Health Insurance TPA (Features, Downloads, and More)

    Good Health Insurance TPA is an Indian Third-Party Administrator (TPA), which was incorporated in 2003. Good Health Insurance TPA is headed by Mr. Srikanth Charan Mudigonda, who serves as the company Managing Director. The company has settled over 1.5 Lac claims, which has won it numerous awards including “India’s Most Promising TPA of the year- 2016.”

    Let us now look at some of the most important topics concerning Good Health Insurance TPA, including:

    • Role of the company
    • How to submit a claim?
    • How to login and register under their website
    • Downloads
    • Network Hospitals
    • Customer Care

    Role of the company

    As a TPA company, Good Health Insurance TPA has to fulfil the following important roles:

    Acts as a link: The company acts as a link between the insurance company and the policyholder. The TPA company will have to act as a mediator between both parties and will have to act in the best interest of both parties.

    Claim Management: All claim related logistics will have to be handled by the TPA company, from customer guidance to submission of documents. Once all of the documents are submitted to the TPA company, the company will then forward the same to the insurance company. Once this is done, the TPA company will correspond with the policyholder on behalf of the insurance company pertaining to the claim.

    Customer Support: This is a very important function of any TPA company, they are mandated to provided customer support to policyholders. Most TPA companies also provide a 24×7 Customer Support Helpline that policyholders can avail of.

    How to submit a claim?

    If you are a Good Health Insurance TPA customer and are wondering about how to submit a claim, then please follow through. You can submit two type of claims, cashless claim, and reimbursement claim. Let us go through with the claim submission steps for both.

    How to submit a cashless claim?

    Step 1) Inform your insurance agent / TPA Company

    The first thing you need to do is to inform your agent or TPA Company about the hospitalization. It is vital the company be informed as soon as possible about the hospitalization.

    Step 2) Submit the policy bond or Health Card to the hospital

    Now, upon admission, the policyholder’s family must submit the policyholder’s policy bond or Health Card to the hospital. Once submitted, the hospital will enter into correspondence with the TPA Company and verify the policy bond. Once verified, all hospital bills will be directly paid by the insurance company to the hospital, the policyholder will not need to spend out of pocket.

    Note: Cashless hospitalizations can only be availed at network hospitals.

    How to submit a reimbursement claim?

    A reimbursement claim can be applied in the following steps:

    Step 1) Inform your insurance agent / TPA Company

    Here again, the first thing you need to do is to inform your agent or TPA Company about the hospitalization.

    Step 2) Keep all original medical documents

    Now, you will need to meticulously keep a record of all medical documents, including admission summary, doctor’s certificates, diagnosis reports, hospital bills, receipts, discharge summary, etc. You will have to submit all of the original copies to the TPA company upon discharge.

    Step 3) Submit all documents to the TPA Company

    All medical documents must be submitted to the company within 15 days of discharge, it is extremely important that there is no delay here. You will have to submit the following forms along with the medical documents:

    • Filled-up claim form
    • Copy of your policy bond or E-Card
    • ID and address proof

    Once submitted, your claim will be registered.

    How to login and register under their website

    The various benefits and features of Good Health Insurance TPA can be accessed by registering and logging into their official online portal.

    How to login?

    Step 1) Visit the official website

    You can access the official Good Health Insurance TPA Website here.

    Step 2) Navigate to the ‘Logins’ section

    Now, you will need to navigate to the ‘Logins’ section on the top of the website. Once there, click on the type of login. There are a variety of logins such as:

    • Corporate Employee Login
    • Insurer Login
    • Provider Login
    • Retail Policies Login
    • Retail Agent Login

    And more.

    Downloads

    You can also download important documents through the official website of Good Health. How?

    Step 1) Visit the official website

    Step 2) Navigate to the ‘Downloads’ section on top of the page

    Here, you can download the following documents/forms:

    • Pre-Auth Form
    • Reimbursement Form
    • Cashless Form
    • CKYC Form
    • PPN Declaration Form

    Network Hospitals

    It is pivotal that all hospital admissions be done in a network hospital if you wish to avail cashless hospitalization. You can check out a list of all network hospitals navigating to the ‘Network Hospital Search’ button on the far right side of the official home page of Good Health TPA. Once on this page, you will have to enter the following:

    • Insurance company name
    • State and City

    Click on ‘Submit’ once done. You will now get a list of all network hospitals in your area.

    Customer Care

    Department

    Phone Number / Email ID

    Customer Care

    1860-425-3232

    customer.care@ghpltpa.com

    Senior Citizens Helpline

    1800-102-9919

    Hyderabad Branch

    1860-425-3232

    Bengaluru Branch

    080-41521384 & 25202113

    Chennai Branch

    044-28150765

    Mumbai Branch

    1860-425-3232

    Delhi Branch

     

    Cochin Branch

    1860-425-3232

    Madurai Branch

    0452–4379765 & 4231115

    Visakhapatnam Branch

    9515668775

    Coimbatore Branch

    0422–6450322 & 4362030 & 2306898

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Categories
    Health Insurance

    Genins India Insurance TPA (Services, Customer Support and more)

    TPA

    Genins India Insurance TPA (Services, Customer Support and more)

    Genins India Insurance TPA is an Indian Third Party Administrator (TPA) that acts as a bridge between insurance companies and their policyholders. The TPA company was founded in 1996 and currently operates in 250+ Indian Cities, and has over 30+ offices across the nation.

    If you are a customer of Genis India Insurance TPA, there are certain important topics that you would wish to know about, we will talk about the following important aspects of the company:

    • Role of Genins India Insurance TPA
    • How to file a claim?
    • How to login?
    • Health Card
    • Downloads
    • Network Hospitals
    • Customer Care
    • Mobile App

    Role of Genins India Insurance TPA

    As a TPA Company, Geninis India has the following roles:

    • Customer Enrollment: Potential customers are enrolled to their service after their sales team explains the benefits and features of their chosen insurance policy.
    • Claim Management: Once a customer is enrolled, it is the job of the TPA company to ensure that any claims initiated by the policyholder is managed by the TPA company.
    • Customer Support: The TPA company should act as a single point of contact for the policyholder as the customer has taken the insurance policy through the TPA company. All queries and grievances should be handled by the TPA company.
    • Issuance of Health Card: The TPA company handles the issuance of Health E-Cards. The policyholder can present this card to the hospital and avail treatment.

    How to file a claim?

    You can file a claim either online or offline. Let us talk about both methods below:

    Offline claim submission

    Step 1) Intimate your insurance agent or Genins TPA

    The first thing you should do is immediately inform your agent or TPA company about the hospitalization.

    Step 2) Decide on whether the claim will be a cashless claim or not

    Now, you will have to take a call whether your claim will be a cashless claim or a reimbursement claim. If your claim is a cashless claim, then the entire claim will be directly handled by the insurance company and the hospital. If it is a reimbursement claim, then you will have to meticulously keep a record of all medical documents and store them safely.

    Step 3) Submission of documents

    If you opt for a reimbursement claim, you will have to submit all of the requested documents such as medical reports, diagnostic reports, admission summary, discharge summary, doctor’s reports, etc to the TPA company. All originals must be submitted. Keep a Xerox copy of all submitted documents for your personal record. Once all documents are submitted, the insurance company will assess the claim.

    Online claim submission

    You can also submit your claim online through the official website. Here’s how:

    Step 1) Visit the official Genins TPA website

    Step 2) Navigate to ‘Online Intimation’ button

    Step 3) Enter your details

    Here, you will need to enter the following details:

    • Card Number
    • Policy Number
    • Employee Code

    Once entered, click on next and progress, your claim will be intimated to the company. Next, you will have to physically submit the documents to the TPA company to finish your claim submission process.

    How to login?

    • In order to login you will need to visit the official Genins India TPA Website and navigate to the ‘Login’ section on the top bar.
    • Once you click on the ‘Login’ button, you will get a selection of logins, Agent login, Insured login, Corporate login, Hospital login, etc.
    • You will need to select your preferred login and enter your username policy number and click on ‘login.

    Health Card

    How can you download your Health E-Card?

    Step 1) Visit the official website

    Step 2) Navigate to the ‘Print E-Card’ button

    Step 3) Download E-Card

    Now, enter your policy number and employee number, and press on ‘Download E-Card.’

    Downloads

    There are a host of important documents and forms that you can download from the Genins India TPA Download Section, they are:

    • Authorization Request Form
    • Reimbursement Claim Form
    • Claim Intimation Form
    • PPN Declaration Form
    • KYC Guidelines
    • Cashless Claim Form
    • Claim Submission Checklist

    Just navigate to the ‘Downloads’ section on the top bar of the home page and click on it. You will now be able to download all of the above forms and documents.

    Network Hospitals

    Why is it important to check out if your preferred hospital is a network hospital? Well, you can only avail cashless hospitalization through a network hospital. If you get admitted to a non-network hospital, you will have to opt for a reimbursement claim. Therefore, it is extremely important to check if your preferred hospital is an empaneled or network hospital.

    Check if your hospital is a network hospital with Genins TPA by following the steps below:

    Step 1) Visit the official Genins TPA Website

    Step 2) Click on ‘Network Hospitals’

    Step 3) Check your hospital

    Now, enter the following details:

    • Insurance company
    • State
    • City

    Now, click on ‘Search.’ You will now be presented a list of all empaneled hospitals for your selected city/state.

    Customer Care

    Department

    Contact Details

    Customer Support

    18008902359 / +91-120-4144100

    gil@geninsindia.com

    Senior Citizens Helpline

    +91-120-4144100

    seniorcitizens@geninsindia.com

    Source: Geninsindia.com

    You can also reach out to them using their online form.

    Mobile App

    You can also access the various services and features of the company through their official mobile app (Android) here. The company, as of today does not have an IOS App for Apple users.

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Categories
    Health Insurance

    East West Assist Insurance TPA (Services, Customer Support and more)

    TPA

    East West Assist Insurance TPA (Services, Customer Support and more)

    East West Assist Insurance TPA is an Indian TPA company registered with IRDA, it is based out of New Delhi. The Company operates across 29+ Indian states and has a presence across 500+ offices nationwide. East West Assist Insurance TPA has also handled over 10 Lakh claims, having a claim settlement record of 97%.

    Let’s talk about the most important aspects of East West Assist Insurance TPA, such as:

    • Role of East West Assist TPA
    • Claim submission
    • Download Health Card
    • Customer Support
    • Empaneled Hospitals

    Role of East West Assist TPA

    Mentioned within are some of the most important roles of the company, they are:

    • Enrolling and on-boarding customers to their platform after educating them about the various types of insurance products, and helping them in choosing the best insurance product for their needs.
    • Issuance of Health Cards to policyholders that they can present to hospitals during treatment.
    • Provide customer support to policyholders during hospitalization and even post hospitalization.
    • Deciding on the merit of claims and thereby assist in the disbursement of claims to policyholders.

    Claim submission

    If you are a customer of East West Assist Insurance TPA and are looking to find out how you can submit your claim to the company, look no further. You can submit an online claim by following the below mentioned steps:

    Step 1) Visit the official website of the company

    https://www.eastwestassist.com

    Step 2) Navigate to the ‘Register Claim’ section on the homepage

    Step 3) Click on ‘Register Claim’ and fill-up the details

    Here, you will be asked the following details:

    • Claim Type
    • CCN Number
    • Policy Number
    • Full Name and Registered Contact Number
    • PAN Number
    • Hospital Name
    • Claim File (You will have to upload it)

    Once done, click on ‘Submit.’

    Download Health Card

    Having your health card or policy bond is extremely important. Let us see how you can download your of East West Assist Insurance TPA Health Card:

    Step 1) Visit the official website

    Step 2) Navigate to the ‘Login’ button and login to the portal

    Here, you will need to click on ‘Individual Login.’ Enter your username and password and click on ‘Login.’

    If you do not have your login credentials, you will need to contact the support team or your insurance agent for the same.

    Step 3) Request Health Card

    Once logged in, you can now request for your Health Card. You can also check the status of your Health Card by clicking on the ‘Card Status’ button on the home page.

    Customer Support

    You can reach out to East West Assist Insurance TPA’s customer support through the following contact details:

    Department

    Contact Details

    Support

    +91-9711779711 / assistance@eastwestassist.com

    Senior Citizen Support

    011-47222647

    Cashless Department

    011-4722260/615/626 | 7838807980

    Grievance

    011-47222620

    Health Card

    011-47222631|9711779711

    Hospital Enrollment

    011-47222628|011-47222602

    Reimbursement

    011-47222666/634/638/6113 | 9711779711

    Empaneled Hospitals

    Find out a list of all of the Empaneled Hospitals associated with East West Assist Insurance TPA here.

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Categories
    Health Insurance

    What are Consequential Damages in Insurance (With Examples)

    damage

    What are Consequential Damages in Insurance? (With Examples)

    There are 6 types of damages in insurance, they are incidental, compensatory, nominal, liquidated, punitive, and consequential damages. Today, we will discuss about the meaning of consequential damages in insurance and its examples.

    What are Consequential Damages in Insurance?

    A consequential loss or damage is a collateral damage occurring due to loss or damage to the insured object. Here, even though the insured object is covered, the policyholder will not be protected against the collateral damage as the insurance company did not provide coverage towards any collateral damage.

    This concept can be slightly confusing but we will attempt to explain to you using simple examples so you understand the concept of consequential loss or damages.

    Examples of consequential damages

    Example of consequential damages in motor insurance

    Let us assume that Mr. Sam bought a bike insurance policy for his motorbike. Now, Mr. Sam parked his bike in a no parking zone, causing it to be towed by the authorities. During the towing process, the tow truck driver was not careful while driving and caused damages to Mr. Sam’s bike. 

    Now, even though Mr. Sam has a bike insurance policy that covers physical damages, he will not be covered by the insurance company as Mr. Sam parked in a no parking zone. It will be deemed as a consequential loss to Mr. Sam.

    Example of consequential damages in travel insurance

    Let us assume that Mr. Ricky is a businessman and travels often to other parts of the world for business deals. Mr. Ricky is a smart individual and always opts for travel insurance.

    Let us further assume that one of Mr. Ricky’s flights got cancelled due to whatsoever reason, causing him financial loss due to him missing a business opportunity. Now, the insurance company will compensate Mr. Ricky for his air ticket cost, but it will not compensate him for the loss caused due to his missed business opportunity as it was consequential loss.

    Example of consequential damages in property insurance

    Let us assume that Mr. Jagmohan is a businessman having a factory. He has insured his factory against damages caused due to fire. Now, a few months after he bought his insurance policy, his factory met with a fire, causing the total loss of all of his machinery and inventory.

    As his factory was covered against damages due to fire, Mr. Jagmohan will be compensated for the loss of his machinery and inventory. However, the collateral damage of this event will have fare reaching consequences, as Mr. Jagmohan will have to keep his factory closed for many months, halting production and thereby resulting in financial loss to his business. This consequential loss will not be covered by the insurance company.

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Categories
    Health Insurance

    Heritage Health Insurance TPA (Services, Customer Care, and more)

    TPA

    Heritage Health Insurance TPA (Services, Customer Care, and more)

    Heritage Health Insurance TPA is an Indian TPA company that was founded in 1998 and is currently headed by CEO, Mr. Sunil Parakh. The company currently has over 19 offices across the nation. Heritage TPA is part of The S K Bajoria Group of companies.

    Let us talk about the most important aspects of Heritage TPA, such as:

    • Role of Heritage TPA
    • Login and Registration
    • Claim Submission
    • Empaneled Hospitals
    • Customer Care
    • Health E-Card
    • Download Forms

    Role of Heritage TPA

    As a TPA company, Heritage TPA acts as a bridge between the insurance company and policyholders. The company’s primary role includes the following:

    • Providing customer support to policyholders during hospitalizations.
    • Assisting customers during the enrolment and on boarding process.
    • Issuance of health cards to policyholders.
    • Claims management services.

    Login and Registration

    How can you Register / login to the official Heritage TPA website? Here’s how:

    Step 1) Visit the official website

    Step 2) Navigate to the Login / Registration section

    Step 3) Enter your details and login or register

    Claim Submission

    You can also submit your claims to Heritage TPA through their online portal. Here’s how:

    Step 1) Visit the official website

    Step 2) Navigate to the ‘Claim Submission’ button

    Step 3) Enter your details

    Here, you will need to mention the following details:

    • Claim type
    • Insurance company name
    • Email ID
    • Mobile number
    • CCN / Card No

    You will also need to upload all of the relevant medical documents to the portal.

    Empaneled Hospitals

    It is extremely important that you find out whether a hospital is a network or empaneled hospital before you decide on getting admitted to the hospital. The reason for this is rather straight forward, cashless claims will only be provided in hospitals that are empaneled with the insurance company. Always be sure to check out if your preferred hospital is a network hospital.

    You can check out if your hospital is an empaneled hospital in 3 simple steps:

    Step 1) Visit the official Heritage TPA website

    Step 2) Navigate to the ‘Hospitals’ section

    Once here, click on ‘Empaneled Hospitals’

    Step 3) Fill up the details

    Now, you will need to select your state, city, and insurance company. Once done, you will get a list of all the network hospitals associated with your insurance company.

    Customer Care

    City

    Phone Number

    Email ID

    Kolkata

    (033) 2248 2411

    (033) 4014 5100 / 4033 4141

    (033) 4014 5200

    (033) 4033 4141

    heritage_health@bajoria.in

    Mumbai

    (022) 61273891/3892/3893

    (022) 69062500

    heritagehealth@vsnl.net

    Hyderabad

    (040) 2324 4264

    heritagehyd@bajoria.in

    Vizag

    (0891) 2713917

    hhsplvizag@bajoria.in

    Chennai

    (044) 4260 4135/ 2829 0400 /10/30

    hhsplchennai@bajoria.in

    Delhi

    (011) 4300 9540/41/42/43/44

    hhspldelhi@bajoria.in

    Surat

    (0261) 400 0046/403 1544-46

    hhsplsurat@bajoria.in

    Ahmedabad

    (079) 4027 2801-04

    heritageahmd@bajoria.in

    Bangalore

    080-26423736, 080-26423746

    hhtplbangalore@bajoria.in

    Uttar Pradesh (UP)

    (0522)424-8870

    suhasismaity@bajoria.in

    Pune

    08421787005

    hhtplpune@bajoria.in

    Jaipur

    0141-294 4765

    hhtpljaipur@bajoria.in

    Health E-Card

    How can you download The Heritage TPA Health Card? Here’s how:

    Step 1) Visit the official website

    Step 2) Click on ‘E-Card Download’

    Step 3) Enter your details

    Here, you will need to enter the following details:

    • Insurance company name
    • Your name
    • Policy year
    • Emp ID

    Once entered, click on ‘Submit.’

    Download Forms

    You can download the required forms by doing the following:

    Step 1) Visit the official website and navigate to the ‘Download Forms’ section

    Step 2) Select the form and download

    Available forms include:

    • Claim Forms (Cashless and Reimbursement)
    • PPN Declaration Forms
    • Pre Authorization Form

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Categories
    Health Insurance

    Medi Assist TPA (Complete Details)

    TPA

    Medi Assist TPA (Complete Details)

    Medi Assist TPA acts as a Third-Party Administrator between insurance companies and policyholders. A TPA basically acts as a link between the insurance policyholder and the insurance company. Medi Assist TPA was founded in 2000 by Mr. NS Raghavan.
    The company currently has around 3000 employees, has a presence in over 45 cities in India, and has its registered office in Bengaluru, India.

    Let us now talk about some of the most important points about Medi Assist TPA, they are:

    • Products and services
    • Customer support
    • Submission of claims
    • Download E-Card
    • Claim intimation
    • Medi Assist TPA Hospital list
    • Company management
    • Notable accomplishments

    Products and services

    Services

    The company provides the following services:

    • Enrolment and on boarding: Medi Assist TPA’s marketing and on boarding team looks after customer acquisition and enrolment. They guide potential customers about the types and kinds of insurance policies available, and the most suitable policy for their needs and requirements.
    • Providing customer support: Providing customer support is one of the most important function of any TPA company. It is the TPA company’s duty to ensure that all customer queries, questions and grievances are catered to and the best possible support is extended to the policyholder.
    • Management of claims: During a claim, the claimant will submit the claim to his/her TPA company and the TPA company will look after the claim management process thereafter. They will act as a link between the policyholder and the insurance company. It is the role of the TPA company and the agent to smoothen things out for the policyholder.

    Products

    The company provides the following products to its customers:

    • Member platform: The member platform provides policyholders with all of the important details pertaining to their insurance policy. Once logged in, all important insurance related reports can be accessed and downloaded.
    • Outpatient platform: The Outpatient platform can be used by policyholders to get access to important outpatient related details.
    • Claims management platform: Policyholder claims can be accessed and managed through this platform.

    Their customers can leverage these technologies in order to get better results for themselves and their families.

    Notable accomplishments

    Details

    Stats

    Claims settled

    60 Lacs+

    Active members

    4.5 Cr+

    Offices

    27

    Insurance partners

    30

    Customer support

    Department

    Phone Number

    Helpline

    080 22069449

    Helpline

    1800 425 9449

    Senior Citizen Helpline

    1800 419 9493

    Email

    info@mediassist.in

    SMS Facility (to know claim status)

    SMS “CLAIMS ” to +91 96631 49992

    Submission of claims

    You can submit your claim to Medi Assist TPA using the following method:

    Step 1) Visit the official Medi Assist TPA website

    Step 2) Navigate to the ‘Intimate Claim’ section at the bottom of the website

    Step 3) Enter your details

    • Here, you will need to enter either your Medi Assist ID / Employee ID / Policy No. Once entered, click on ‘Identify.’
    • Follow the next guided steps and submit your claim online.

    Download E-Card

    This is how you can download your Medi Assist TPA E-Card:

    Step 1) Visit the official Medi Assist TPA website

    Step 2) Navigate to the ‘Download eCard’ section at the bottom of the website

    Step 3) Enter your details

    Here, you will need to enter either your Medi Assist ID / Employee ID / Policy No. Once entered, click on ‘Identify.’

    Medi Assist TPA Hospital list

    Check out all of the affiliated hospitals here.

    You will simply need to enter your city location and insurance company and the system will show you a list of all empaneled hospitals within your city.

    Company management

    Name

    Contact Details

    Dr. Vikram Jit Singh Chhatwal (Director)

    https://www.linkedin.com/in/dr-vikram-chhatwal-विक्रम-छतवाल-30372082/

    Srimathy Ranganathan (Director)

    https://www.linkedin.com/in/srimathy-ranganathan-406b70156/?originalSubdomain=in

    Satish Gidugu (CEO)

    https://www.linkedin.com/in/satishgidugu/

    Source: Medi Assit TPA

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.