Can I buy this policy from outside India?
Yes, of course! You can buy this policy for your family from any part of the world. We bring you the facility of online buying where you can get all the details, fill in a form and buy online. However, The insured should be in India for the purpose of claim.
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How secure is buying online?
We understand your apprehensions about buying online. But doing so with us is extremely secure.
- Access is by way of an authenticated log in and password.
- First general insurance company in India to get VeriSign Certification for our website. Information is transmitted to our site in an SSL session, is encrypted and is protected against disclosure to third parties.
- VeriSign Certification provides you an evidence of our server's authenticity and safeguards you from unauthorized sites and allows the session to be encrypted. This protects confidential information - such as online forms, financial data, net-banking information, and credit card numbers - from interception and hacking. All reputed financial transaction sites worldwide, mandate use of SSL certified site. Verisign is an internationally
acclaimed Certification Authority. Large-scale online merchants, banks and brokerages worldwide use its certificates.
- Auto logout feature - If you forget to log out from your session, the system will automatically log you out.
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Who all does the term ‘Family’ includes?
The insured’s ‘family’ includes his parents, wife and children.
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Is there an age limit for insuring my parents and family under Rishtey?
Yes. The minimum age of the insured should be 3 months and maximum age should be 70 years (as on last birthday). However, the policy can be renewed up to the age of 75 years.
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What are the advantages of Rishtey?
The advantages of Riashtey are as follow :-
- Pre-existing illnesses can be covered after the 4th year provided the policy is renewed with us for four consecutive years.
- Reimbursement of return airfare (Rs. 20,000 for Plan 2 and Rs. 10,000 for Plan 1) of the NRI (applicant) in case he is required to visit his dependent (insured) who has been hospitalised due to specified medical emergencies - Stroke, Heart Attack (MI), Coronary Artery Bypass, Graft Surgery, Kidney Failure, End-stage Renal Failure, End-stage Liver Disease and Brain Tumour Surgery.
- Nursing care benefit of Rs. 500 per day for a maximum of 3 days, in case the insured requires nursing care post discharge.
- Cashless claims facility at over 2900 network hospitals across more than 135 cities. Please click here for the list of network hospitals in your city in India.
- Every insured under Rishtey is provided a free health check-up post issuance of policy. For anyone above 55 years of age, cashless benefit will be activated as soon as the health check-up process is completed.
- Income tax benefit u/s 80 D for your income in India.
- Rishtey offers a 2-year cover for your dependents against a single premium, with automatic renewal after the first year.
- The policy can be renewed up to the age of 75 years.
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How would my parents in India know about the details of the policy?
Once you avail of our policy, our executives shall call your dependants in India and explain them the details of the coverage and claims process.
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Is a medical checkup necessary?
ICICI Lombard provides free medical checkup of the insured after the policy is bought. However, below 55 years of age, it is not necessary to get you check up done. But for insured above 55 years of age, medical checkup is mandatory. It is only after this checkup that the cashless benefit would be activated.
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If medical checkup is not mandatory below 55 years of age, why should one go for it?
It is advisable to get the medical checkup done to avoid any doubts or ambiguity at the time of claims. As everything is on record, there is no room for confusion and rejection of your claim.
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What is a pre-existing disease?
A pre-existing disease is any disease that the insured is already suffering from at the time of applying for the policy.e.g. Hypertension, Diabetes.
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Are any pre-existing diseases covered?
All the pre-existing diseases will be covered from the 5 th year onwards if you continuously renew this policy.
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Will all medical expenses be covered after the inception of the policy?
Medical Expenses arising out of illness will not be covered during the first 30 days from the inception of the policy. Only accident claims would be entertained. This is called the ‘cooling off’ period.
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What do you mean by Cashless Hospitalization?
Under Cashless Hospitalization there is no need for you to settle the hospitalization expenses at the time of taking discharge from hospital. The settlement would be done directly by the insurance company. However, prior approval is required from the Third-Party Administrator (i.e TTK Health Services Pvt. Ltd) before the patient is admitted into the hospital. In case of emergency hospitalization, approval can be obtained post-admission.
However, this facility is available only at our network hospitals. Click here to find out the network hospitals in your locality.
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Whom do I contact in case of a claim?
Contact our Third Party Administrator (TPA) TTK Health Services help-line at 1600 42 58885 / 1600 42 57878. You can also fax them at the toll free number 1600 233 4535 and call at their landline number 080 23099900.
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How does one claim?
If you will be undergoing a planned hospitalization, please do inform TTK in advance about the hospitalization. Once the approval has been obtained, you can get admitted into the hospital.
In case of an unfortunate event, and emergency hospitalization is required, approval from TTK can be obtained after admission into the hospital.
Refer to the Claim Process above for details.
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How would I know if the insured has filed a claim?
We would inform you via E-mail and SMS when the insured files a claim. The E-mail is sent to the ID entered while registering on our website. SMS is sent only to Indian mobile numbers.
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What benefits does Rishtey have over other health plans?
Advantages of Rishtey over other health insurance policies are:
- Pre-existing illness cover after four years of continuous policy coverage.
- Reimbursement of return airfare to visit your insured family members when they are hospitalised.
- Nursing care benefit of Rs. 500 per day for a maximum of 3 days.
- Free health check-up after the policy is issued to every insured.
- 2-year continuous covers for your dependents against a single premium, with automatic renewal after the first year.
- Maximum entry age up to 70 years (as on last birthday). Most other insurance companies allow entry up to the age of 60 years only.
- No medical check up before issuing the policy. All other insurance companies have compulsory medical check-ups for 45 years and above age group. (Under Rishtey, for insured above 55 years of age, medical check up is mandatory after the issuance of policy.)
- We call up your family members, after you have bought the policy, to explain the policy coverage and claims process in detail. No other insurance company has this service.
- You can track the status of your health claims online.
- A single policy certificate for both your parents under Rishtey i.e. no need to carry different insurance certificates for each insure.
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