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  Frequently Asked Questions
1. How different is PHS from Insurance Company?
  PHS is a Third Party Administrator (TPA) in Health Insurance Sector servicing all insurance companies. Health Insurance
policies for individuals are basic products of Insurance Companies on which PHS adds value and facilitates smooth operation through its value-addition like network of healthcare service providers, medical care standardization, Claims management, Client servicing, expert opinion etc. Thus PHS administers a `healthcare package' for its clients with customized healthcare delivery.
2. Will location of dependent family matter in availing services under PHS?
  No, Location does not affect the operational activities, main member or the dependant member can avail same and
 equal benefits irrespective of their location. PHS Network of Healthcare Service Providers is across the country. These accredited healthcare providers would assure qualitative healthcare delivery to PHS members.
3. Will the change in names in between policy period matters?
  Yes, According to the Insurance Company the claim will not be settled (unless prior intimation to Insurance company) if
there is any alterations in the name It has to be intimated to your respective Insurance Co. & requisite Endorsement for the change in name needs to be passed by Insurance co. This has to be done first hand and not only any claim arises.
4. Should the claim be submitted with the insurance company or with PHS?
  Preferably with PHS only.
5. If I have not utilized my permissible eligibility amount in a particular policy period will I get any benefits like carry forward for the next period if I renew the policy?
  The amount will not be carry forward to subsequent periods.
6. What are the documents required to be submitted to PHS to claim under reimbursement procedure?
  Documents that you need to submit for a hospitalization reimbursement claim are:
1.  Original Completely filled in Claim form
2.  Covering letter stating your complete address, contact numbers and email address (if available), along with Schedule of Expenses
3.  Copy of the PHS ID card or current policy copy and previous years' policy copies(if any)
4.  Original Discharge Card/ Summary
5.  Original hospital final bill
6.  Original numbered receipts for payments made to the hospital
7.  Complete breakup of the hospital bill
8.  All bills for investigations done with the respective
9.  All bills for medicines supported by relevant prescriptions
  You are advised to keep Photo Copy of the entire set of claim documents submitted to us.
7. How to send reimbursement claims to TPA?
  Reimbursement claims can be submitted to us through registered post / courier or can be handed over at any of our
Branch offices.
  Your health insurance policy pays for reasonable and necessary medical expenditure. There are several items that do 
not classify as medical expenses during hospitalization. These items will not be payable and expenditure towards such items will have to be borne by you. Some common examples of non-medical expenses are listed for your reference : Link
9. Can I claim medical expenses incurred before and after a surgery?
  You can claim medical expenses incurred 30 days before and 60 days to 90 days after hospitalization( as specified in your
policy), provided they are related to the ailment/accident for which you were hospitalized. Such expenses are termed as pre and post hospitalization.
10. Can I claim my dentist's bills?
  No, you cannot
11. Will medical costs be reimbursed from day one of the cover?
  Typically, there is a waiting period of 30 days, within which no claims by the insured are entertained by the insurer.  
This waiting period may vary from one Insurance company to other. Your best policy will be to read your policy document carefully and clarify the matter with your insurance agent.
12. Are there limits to the number of claims on a Health Insurance Plan?
  There is no limit to the number of claims per annum but there is a limit to the amount that you can claim in a year.
Usually, the maximum amount that you can claim in a year is limited to the sum insured.
13. If I have a health insurance policy in Mumbai, can I make a claim if I am transferred to Delhi?
  Yes, your health insurance policy is valid all over the country.
14. Can I claim expenses incurred for my mother's cataract operation in the first year of buying the policy?
  No, you cannot claim expenses for a cataract operation in the first year of the policy. Most insurers have a set of
specific illnesses or ailments for which they will not provide cover in the first two years from the commencement of policy; however these would be covered from the third or fourth year onwards.
The exclusions include :
1.  Arthritis
2.  Benign prostate hypertrophy
3.  Cataract
4.  Dialysis required for chronic renal failure
5.  Dilatation & curettage
6.  Fistula in anus
7.  Gastric and duodenal ulcers
8.  Gout
9.  Hernia
5.  Hydrocele
11.  Hysterectomy unless because of malignancy
12.  Joint replacement (unless due to accident)
13.  Myomectomy
14.  Piles
15.  Rheumatism
16.  Sinusitis and related disorders
17.  Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids
18.  Stone in the urinary and biliary systems
19.  Surgery on tonsils and sinuses
15. If an individual is already suffering from a disease, will the health insurance plan still reimburse his or her expenses related to the disease?
  A health insurance policy would not cover a pre-existing disease in the first year of cover. However, they would be 
covered after three to four years of continuous renewal with the same insurer.
16. Are all the tests prescribed by the doctor at a hospital reimbursed under the Health Insurance Plan?
  Expenses incurred at a hospital or a nursing home for diagnostic purposes such as X-rays, blood analysis, ECG, etc. will 
be reimbursed if they are consistent with or incidental to the diagnosis and treatment of the ailment for which the policy holder has been hospitalized. In any other scenario, these expenses will not be reimbursed.
17. Will my claims be reimbursed even if I do not get myself treated at a network hospital?
  Yes, claims will be reimbursed even if insured is not treated in network hospital.
18. Is there a minimum time limit for stay within the hospital under the health insurance plan?
  Typically, the insured can make a claim if her/his hospitalized stay is for over 24 hours. However, for certain treatments,
such as dialysis, chemotherapy, eye surgery, etc, the stay could be less than 24 hours.
19. What happens when the limit of insurance is exhausted under a Health Insurance Policy?
  If the insurance limit i.e. the sum insured is exhausted in a particular year due to large medical expenses, the insurer is
not liable to bear/reimburse the insured for any further expenses.
20. If a claim has been made for a particular ailment, does it become a pre-existing disease for the next policy term?
  An ailment for which a claim has been made already does not become a pre-existent disease if there is no break in the
term of the insurance policy and it is renewed within the renewal date.
        However, the ailment becomes a pre-existent disease and exclusions will apply in the event there is a break in the term
of insurance (up to 7 days break is allowed under certain conditions; although it could vary from insurance company to company).
21. Who will receive the claim amount if the insured dies at the time of treatment?
  The claim amount is paid to the nominee of the insured.
        If no nominee has been assigned under the policy, the insurance company will insist upon a succession certificate from 
a court of law for disbursing the claim amount.
        Alternatively, the insurers can deposit the claim amount in the court for disbursement to the legal heirs of the deceased.
22. What is the procedure for availing cashless facility?
  In case of planned hospitalization, insurers require the first prescription with the details of the case history indicating
following details :
1.  Provisional diagnosis or reason for getting admitted in hospital
2.  Proposed date of admission
3.  Approximate expenses
4.  Name of the hospital and consultants
5.  Approximate duration of stay at the hospital
6.  Attached doctor's prescription with admission note
        The above documents need to be delivered to the TPA/insurer at least 72 hours before admission.
23. If I avail of the cashless facility, will the insurance company pay the entire bill at the hospital?
  No, a part of the bill will have to be borne by the insured if it consists of the inadmissible amounts that are listed by the
24. What happens in case of an Emergency hospitalization where Cashless facility is not authorized to me?
  The liability for paying the hospital will be on you. However, you the insurance company will reimburse the admissible
25. How is a hospital defined with regards to the health insurance policies?
  Any institution established for indoor care and treatment of sickness and/or injuries, which is duly registered and 
supervised actively by a registered medical practitioner.
        Any establishment that satisfies the following criteria can qualify as a hospital :
1.  With at least 15 patient beds
2.  With a fully equipped operation theater of its own if surgical procedures need to be carried out
3.  Employing fully qualified nursing staff around the clock
4.  Having fully qualified doctors in charge around the clock
        Note : For Class 'C' towns, the number of beds is relaxed to ten.
26. What is meant by hospitalization?
An instance where the insured individual is hospitalized for a minimum period of 24 hours can be termed as hospitalization.
        Specific treatments like dialysis, chemotherapy, radiotherapy, laser eye surgery, dental surgery, etc when the patient is
discharged on the same day are also considered hospitalization.
27. Is maternity benefit available under an individual Health Insurance Plan?
  Maternity benefit is not available under individual health insurance plans. However, it may be available in a group plan;
this depends on the cover opted by the organization.
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