Claims assessment is the process of determining whether the loss suffered by the insured is caused by the insured peril that there is no breach of warranty.
Investigation is different from the assessment of loss. Investigation is done to ensure that a valid claim has been made and verify the important details and doubts like absence of insurable interest, suppression or misrepresentation of material facts, de
Health insurance: a contract between the insurer and the insured wherein insurer agrees to pay hospitalisation expenses to the extent of an agreed sum assured in the event of any medical treatment arising out of an illness or an injury
Health insurance policies in India normally provide a comprehensive health cover, covering nearly all illnesses and injuries requiring minimum 24 hours of hospitalization
There are certain waiting periods (usually 48 months) with regard to pre-existing diseases (PEDs), some specific illnesses like cataract, some procedures like hysterectomy etc., for a defined period which usually range from one year to four years
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