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All that you need to know...



Frequently Asked Questions

How to Make a Claim?

In today’s day and age, a medical emergency can sneak up to anybody and is always accompanied by significant medical expenses. With a health insurance cover by your side, however, you can easily take care of any medical emergency. The structure of a health insurance plan is simple – it is a type of insurance whereby the insurer reimburses you (i.e., the policyholder) if you fall sick and have to undergo medical treatment or have to be hospitalized.

Then, there are Fixed benefits health insurance plans, a type of health policy that pays out a pre-determined amount of money in case of an injury or diagnosis of any disease. Insurance companies have affiliations with a vast network of hospitals, wherein if you undertake any treatment and file a health insurance claim, the insurer will directly transfer the amount claimed to the hospital. On the other hand, if the hospital is not affiliated with the insurance company, the cost of treatment will be reimbursed to you.

Health plans from Canara HSBC Oriental Bank Of Commerce Life Insurance help you prepare for any such emergency medical treatment costs without burning a hole in your savings pocket and ensure financial security. To maximize the health cover benefit, we offer a hassle-free claim process, wherein you are not required to produce all the medical bills and supporting documents to file an insurance claim. Instead, you can easily file for a fixed-benefit health insurance claim by submitting a report from your doctor specifying your condition.

Furthermore, as soon as you are diagnosed with any of the 26 listed conditions, you can file an insurance claim for a total payout less than or equal to the Sum Assured. It is also possible for you to file health insurance claims for one Minor and one Major condition.

Example of Covered Illnesses

Major Critical Illness Cover - Alzheimer Disease, Brain Surgery, Lung Failure, Kidney Failure, Third Degree Burns, Deafness, and Blindness

Heart Cover Minor condition - Insertion of a permanent cardiac pacemaker, Angioplasty, Stenting, Valve repair or replacement

Major Heart conditions - Heart Attack, Stroke, Open Chest CABG, and Aorta Surgery Heart Transplant

Cancer Cover Minor condition (Early-stage cancer) - Tumor, Carcinoma-in-situ covering organs like Breast, Uterus, Cervix, Lung, Stomach, and Urinary tract

Major Cancer Cover conditions (Cancer of specified severity) – malignant tumor, term cancer – leukemia, lymphoma and sarcoma

For details on covered illnesses, please refer to the product brochure or sample policy contract available on our corporate website.

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