Insurance companies can no longer reject your health insurance claim, you will also have to pay for pharmacy, implant and diagnostic related expenses.
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The new rule will take effect on October 1.
Health insurance premium is required to be paid for 8 consecutive years
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There is good news for those taking out health insurance. Until now, insurance companies have been rejecting claims for a variety of reasons. But now the government has issued a new rule under which insurance companies cannot reject your claim. This rule will come into force from October 1. Health insurance premium has to be paid continuously
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According to this rule, if you have paid your health insurance premium for 8 consecutive years, the insurance companies will not be able to reject the claim for any reason. Under the new rules, insurance companies will no longer be arbitrary. Health cover can be claimed for as many diseases as possible. However, premiums can become more expensive as more diseases are covered.
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Disease coverage will increase
The report found that coverage of diseases would now increase. Permanent diseases outside the cover will be the same in all companies. The number of out-of-cover diseases will be reduced to 17. People will have the facility to claim in another company after meeting the limit of the company. Companies are required to accept or reject the claim within 30 days. An old waiting period will be added to a company's product after migration. Customers will also be paid the cost of telemedicine in the OPD coverage policy.
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Now genetic diseases will also be involved
Health insurance is now likely to cover mental and genetic diseases as well. Robotic surgery, stem cell therapy, neuro disorders and oral chemotherapy will also be covered. According to the rules, if the symptom occurs within three months of the publication of the policy, it will be treated as a pre-existing disease. The policy will not be reconsidered after completion of 8 years.
No excuses
Under the rules, insurance companies can no longer make excuses. In recent times, it has been observed that insurance companies reject claims after giving various reasons. Thousands of such complaints are received every year. The excuse of misinformation will not work in renewal for 8 years. The entire cost related to pharmacy, implant and diagnostics will have to be paid by the insurance companies.
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