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Health Insurance

Health Insurance is a contractual agreement between an individual and an insurance provider, designed to offer financial safety against the high cost of medical care. It helps to take care of your medical expenses incase you are hospitalised, or have to undergo surgeries, or even diagnostics and consultations. It covers everything from basic check-ups to serious treatments, making sure you can get good care without worrying about the cost. It’s a safety net for you and your loved ones.

Health Insurance is a contractual agreement between an individual and an insurance provider, designed to offer financial safety against the high cost of medical care. It helps to take care of your medical expenses incase you are hospitalised, or have to undergo surgeries, or even diagnostics and consultations. It covers everything from basic check-ups to serious treatments, making sure you can get good care without worrying about the cost. It’s a safety net for you and your loved ones.

FAQs

To maximize your claim amount, ensure your health insurance proposal includes the following features:

  • No room rent & ICU limit
  • Waiver of co-payment
  • Consumables cover
  • Zero sub-limit
  • Modern treatment methods
  • Zonal mapping

In a health insurance policy, claim can be denied in the following circumstances:

  • Non-disclosure or suppression of material facts
  • Policy exclusion and improper documentation
  • Admission type (IPD vs OPD)
  • Treatment during waiting period

The health policy involves more than just medical cover; it includes income protection and statutory tax advantages.

  • Personal accident cover (PA)
  • Daily hospital cash benefit
  • Tax benefit of Section 80D of Income Tax Act 1961

Travel Insurance

Travel insurance serves as a protection designed to mitigate the risks associated with both domestic and international travel. Travel Insurance protects you against any unforeseen events, like loss of baggage, medical emergencies, trip cancellations or delays. Whether it is a Business trip or Leisure, travel insurance ensures that you have a smooth and hassle-free journey.

FAQs

Yes, it’s possible to get a refund for your visa fees, however this is not a standard feature of every plan. To avail this benefit you have to opt for an add on of visa recovery fees. This ensures that if your visa is denied for reasons covered by the policy, you can recoup those costs.
Yes, many insurance providers now offer coverage for preexisting diseases. Whether a medical condition is covered depends entirely on the terms and conditions of the policy you choose. Some insurers may cover life threatening emergencies relating to the PED, while others may require an additional add-on, so it’s vital to review the policy document for the specific exclusions.
Generally, the maximum initial duration for a travel insurance policy is 180 days. If your stay extends beyond this period, most companies allow you to extend the coverage for next 180 days, provided you must submit the necessary documents and an extension request before the original policy expires. This allows for a total continuous coverage period of up to one year in many cases.

Personal Accident Insurance

Personal Accident Insurance provides financial support in case of accidental injuries, disability, or death. It offers compensation for medical expenses, loss of income, and rehabilitation, ensuring financial stability for you and your family, whether you are at home, or at work or travelling across the world. 

FAQs

Yes, there is an upper limit for this insurance, you can propose a sum insured relating to your yearly annual income.
Yes, but it is provided as an add-on cover. A standard PA policy is primarily designed to pay a lump sum in the case of death or permanent disability, to cover your medical bills you must opt a medical bill extension.
Yes, you can include your family members, but the coverage is provided within the overall sum insured limit. In this arrangement, the total sum insured is shared among all members ensuring protection for the entire household under one plan.

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    At Aegis insurance brokers, we bridge the gap between uncertainty and security. Here our team works diligently to understand your specific needs, providing tailored policies. Our mission is to provide you with the clarity and coverage needed to face the future with total confidence, ensuring your legacy remains unshakable.