Insurance query

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Deal Cadet
rr914

Hi, I am new to this insurance. Can someone help me out, plz.

I pay 15k for my mother insurance via TCS company and insurance company is new india assurance. My mother is suffering from urinary infection, visited couple of big hospitals twice but no use. Kamineni hospital is asking like 20k for some lab tests, but since this is not a admission case, can i use insured amount of 2l? I already used domiciliary claim of 6k. Since the amount is more than 20k(who knows how much these people might ask later again) i am in a dilemma what to do. Any experience, plz share. These hospitals r charging 800 per visit!! This is insane..

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@rr914 – You cannot use Hospitalisation benefits of 2L without admission. The only way is to ask the hospital to admit on emergency and then perform the test. Make sure its cashless else you will have to bear the expense from your pocket.

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letmetravewithyou442 wrote:

Ok what is advance his ?

If the appointment or test for some illness are Pre-scheduled… In that case u can apply for HIS 72 hours before the appointment date… Benefit of this is u get the idea of actual limits of advance u r getting for that treatments

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Himanshu1234567 wrote:

If the appointment or test for some illness are Pre-scheduled… In that case u can apply for HIS 72 hours before the appointment date… Benefit of this is u get the idea of actual limits of advance u r getting for that treatments

Advance HIS — Is this claim under hospitalisation ?

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