Why claims shrink
The eight levers - sum insured, room caps, co-pay, sub-limits, deductibles, waiting periods, non-medical items and disclosure - plus a worked example of a ₹2,10,000 bill trimmed to ₹1,33,000.
Read your policy in thirty minutes
The Customer Information Sheet, the standard Arogya Sanjeevani product, and the twelve questions to answer before you claim.
The IRDAI rulebook on your side
Every binding rule that protects you - the one-hour and three-hour clocks, the 15-day rule and interest, the 60-month moratorium, Cashless Everywhere, NHCX and the GST exemption.
The claim, step by step
The two-week planned playbook, the emergency playbook, the 60-minute cashless script, the document vault, the discharge-day script and the reimbursement playbook.
When they say no
Decode the rejection, then climb the ladder - Grievance Officer, Bima Bharosa, the Ombudsman and the consumer court - with the three letters that win.
Special situations
Maternity, parents and senior citizens, top-up plans, critical illness, day care, and accidents with MLC and FIR.
Ayushman Bharat and government cover
Who is covered, the 70+ expansion, and the step-by-step Ayushman card enrolment.
The tax angle
Section 126 - the limits, the old-regime condition, and the documents to keep.
Buy better to claim better
The five features that decide your payout, how to read a claim settlement ratio, and ten questions before you buy.
One-page cheat sheets
The emergency card, the document vault, the escalation ladder and the four numbers to remember - plus a full glossary and FAQ.
