Comprehensive Health Insurance

Yes, pre-existing diseases are covered after the waiting period is completed — typically 2–4 years depending on the policy. You must disclose all pre-existing conditions at the time of application. Concealment of medical history can lead to claim rejection. Our advisors help you choose plans with shorter waiting periods and optimal coverage for your specific health conditions.

Network hospitals can be found through the insurer's official website or mobile app using your city or pincode. Most plans cover 10,000+ hospitals across India. We recommend choosing a plan with a large network in your city and near your workplace. For emergencies, even non-network hospitals may be used — the claim is then processed via reimbursement.

Cashless claims allow you to get treated at network hospitals without paying out of pocket — the insurer pays the hospital directly. Reimbursement claims require you to pay the hospital first and then submit bills to the insurer for refund. Cashless is faster and more convenient, while reimbursement gives you flexibility to choose any hospital, including non-network ones.

Missing a renewal premium leads to policy lapse after a 15–30 day grace period. During the grace period, your coverage continues and you can renew without penalty. After the grace period, the policy lapses, you lose accumulated no-claim bonuses, and any waiting periods may restart upon reinstatement. Finsetter sends timely renewal reminders to ensure your coverage never lapses.