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Date : Dec 1, 2008

Question

i want to take LIC health policy for my family.In case of minor or major hospitalizations,i want to know whether we need to settle the hospital bill first from our side and then ask for reimbursement or will the insurance company settle the same if we notify them(cashless operation).Awaiting your earliest response thanks krishnan

Answer

You need to check whether the LIC planj that you are planning to take up has any cashless facility, if it has one then the company will provide you with the medical card which you can flash into network hospitals, therer are about 3500 network hospitals at times that one can choose from. If at all there is no cashless facility then one can go for reimburserment, all one needs to do is submit their medical paperwork to the insurers on which the claim can be made once you have spent from your pocket. There is a specific timescale for the claim reimbursement which differs from each company and can be checked with them.

 

 

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