Health Insurance for NRIs

Maternity and new-born expenses

Alternative treatment cover

Outpatient treatment expenses

Dental treatment expenses

Health check-ups and preventive care

Pre-existing diseases

Most policies have a waiting period during which pre-existing medical conditions are not covered. This varies depending on the insurance company and policy.

Cosmetic treatments

Cosmetic procedures such as plastic surgery, hair transplant, and dental procedures are usually not covered unless they are medically necessary.

Alternative treatments

Treatments such as Ayurveda, Unani, and Homeopathy are not covered unless specified in the policy.

Non-medical expenses

Expenses that are not directly related to medical treatment, such as transportation costs, food, and accommodation, are usually not covered.

Self-inflicted injuries

Injuries that are self-inflicted, such as suicide attempts or injuries resulting from drug or alcohol abuse, are usually not covered.

Coverage for inpatient, outpatient, and day-care procedures

Cashless hospitalization facilities at network hospitals

Coverage for pre-existing illnesses after a waiting period

Customizable policy options to suit specific healthcare needs

Easy claim settlement process

Tax exemption benefits under Section 80D

1. Visit the PolicyLeader website

Go to the PolicyLeader website (www.policyleader.co.in) and select "Family Floater Insurance" from the list of insurance products.

2. Provide personal details

Fill in your personal details such as name, age, and contact information. You may also be required to provide details about your medical history.

3. Choose a policy

PolicyLeader offers a range of family floater insurance policies from various insurance companies. Review the policy details, coverage, and premium amounts to choose a policy that best meets your needs.

4. Compare policies

Use the comparison tool to compare policies from different insurance companies based on factors such as premium, coverage, and exclusions.

5. Customize your policy

You can customize your policy by adding or removing riders (add-on covers) to suit your specific needs.

6. Pay the premium

Once you have chosen a policy, pay the premium online using a debit card, credit card, or net banking.

7. Receive the policy documents

After the payment is confirmed, the policy documents will be emailed to you. The policy documents will contain all the details of your policy, including the coverage, exclusions, and terms and conditions.

1. Notify the insurance company

As soon as you are aware of the need to file a claim, notify the insurance company by calling their customer service or through their website. Provide details such as policy number, name of the insured person, date of hospitalization, and reason for hospitalization.

2. Submit the claim form

Fill in the necessary details and submit it along with the required documents to the insurance company.

3. Provide necessary documents

The insurance company may require documents such as hospital bills, medical reports, discharge summary, prescription receipts, and diagnostic reports to process the claim. Ensure that you have all the necessary documents and submit them along with the claim form.

4. Wait for claim approval

The insurance company will review the claim and verify the documents submitted. If the claim is approved, the insurance company will reimburse the medical expenses as per the terms and conditions of the policy.

5. Cashless claims

If the insured person has opted for cashless hospitalization, the insurance company settles the bills directly with the hospital. However, ensure that the hospital is part of the insurance company's network and follow the necessary procedures for cashless claims.