Trusted Health Insurance Consultant in Siliguri

Co-Payment Clauses:

Plans that have co-pay mandated require you to pay a fixed percentage (10 - 20%) of the total bill from your own pocket. Thus, we prioritize looking for zero co-payment policies.

Local Cashless Hospital Networks:

A wide local network ensures that you can walk into a hospital and get treated without paying cash upfront. We choose health insurance plans that ensure cashless treatment in top hospitals near you.

No Room Rent Capping:

Room rent capping means that if your room rent exceeds a certain limit, the insurer will reduce your coverage for doctors' fees, surgery, and OT charges. Therefore, we choose health insurance plans that do not have any room rent caps.

Pre-Existing Diabetes Waiting Periods:

Several health insurance plans do not immediately cover health conditions, such as diabetes and hypertension. The waiting period is generally between 1 and 4 years. We aim for a short waiting period or look for add-on riders that minimize the waiting period.

Restoration Policy:

We choose health insurance plans that automatically restore your coverage balance to 100% even if you exhaust the entire policy limit within a year.