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Shree Sai Insurance
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GIC – General Insurance Products

Health Insurance

Coverage for eligible medical expenses, subject to the selected policy.

Contact Us+91 98672 00166

How we help

Health insurance pays for hospitalisation and related medical costs up to the sum insured, either cashless at a network hospital or by reimbursement.

Policies differ in the details that decide a claim: waiting periods for existing illnesses, room-rent limits, co-payment and sub-limits on particular treatments. We read these with you before you buy, not after a hospital bill arrives.

When you need to claim, we help with the intimation, the documents and the follow-up with the insurer or its third-party administrator.

What it covers

  • Hospitalisation benefits
  • Eligible medical expenses
  • Coverage limits and exclusions apply

Coverage, exclusions, and claim conditions depend on the policy and insurer.

Before you decide

Points to check

  1. 01A sum insured that matches hospital costs in your city
  2. 02Waiting periods for pre-existing illnesses and specific treatments
  3. 03Room-rent limits, co-payment and sub-limits
  4. 04Network hospitals near you for cashless treatment
  5. 05Renewal terms and the no-claim bonus

Common questions

What people ask us about Health Insurance

What is a waiting period?

A period after the policy starts during which certain conditions, such as pre-existing illnesses or particular procedures, are not covered. It is stated in the policy and differs between plans.

What is the difference between cashless and reimbursement claims?

At a network hospital the insurer can settle the bill directly after pre-authorisation. At other hospitals you pay first and claim reimbursement with the bills and medical reports.

Can I claim a tax deduction on the premium?

Health insurance premiums can be deducted under Section 80D if you file under the old tax regime, within the limits set for yourself, your family and your parents.

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Shree Sai Insurance is the practice of Amit Dhirajlal Waghela, an AMFI-registered mutual fund distributor (ARN-166386), not a SEBI-registered investment adviser. The firm earns commission from asset management companies on the schemes it distributes, does not charge a fee for distribution, and does not guarantee returns. Insurance is offered separately from the mutual fund distribution business. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.