Being indian not a prerequisite to buy health insurance in india. Most useful Information

1. Root India Healthcare Limited
www.rihl.in
Being Indian not a prerequisite to buy
health insurance in India
Why should purchase OPD Health plan?
My family visit to doctors frequently, should we think to buy OPD Health plan? If yes, then
which is the most affordable and reputed Health plan in India?
Many people already have a mediclaim policy, if you are one of them. You should contact
your insurer first regarding the opd cover. Generally, Insurance plan gives you the exact
amount of premium which you look for the amount of opd care. Mediclaim plan will
reimburse OPD expenses.
In case you buy another fixed benefit OPD-specific plan, then you can think
about National Health plans of Root India Healthcare. However, RIHL plans are not
insurance offering but give you genuine coverage on all doctors in India. You may refer
them how it works before purchasing it.

2. Root India Healthcare Limited
www.rihl.in
Have an NRI Problem
Is there a requirement that those insured in health policy should be Indian citizens? My
minor daughter was born in the US and she now lives in India. Can we include her in our
family floater or will we have to buy her an individual policy?
Indian citizenship is not a prerequisite to buying health insurance in India. Foreign
citizens can also buy health coverage in India. You can cover your daughter within your
family floater insurance policy. Else buy separate individual insurance for her.
Thinking to buy cancer policy?
Recently I read about cancer-specific plans. I already have medical and critical illness
policy that covers cancer. Is it advisable to buy a standalone cancer cover? In the case of
cancer diagnosis, can I claim lump sum assured from both plans?
If you already have a medical and critical illness policy, you do not need a separate cancer
specific plan. Mediclaim plan will reimburse hospitalization expenses. Critical illness plan
would pay a lump sum on diagnosis of the ailment. Both the plans would work in tandem
and would be sufficient to cover out-of-pocket medical expenses. In case you buy another
fixed benefit cancer-specific plan, then you can claim from all three plans. In case the new
plan is an indemnity plan, then you can either use the standard mediclaim or the cancer-
specific plan. If the claim amount crosses the sum assured of any of the plans, the deficit
can be claimed from the other plan.
Vintage Car Value
I was in my ancestral place a few months ago, where I saw an old Bentley lying in disused
condition. As I contacted a mechanic who has worked on vintage cars earlier, and he was
able to make it run on the road. I want to bring it back with me. What is the procedure for
getting vintage cars insured? Is there a procedure or everything depends on the decision
of the insurance personnel who come to inspect the car?
You can get a vintage car insured on the basis of ‘agreed value’. This value is arrived at
jointly between the insured and the insurer. You can compare the valuation offered by a
few insurers to assess the one that best matches your own assessment. Do note that only

3. Root India Healthcare Limited
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cars manufactured prior to 31 December 1940, and duly certified by the Vintage and
Classic Car Club of India, can be considered vintage by insurers.
Looking for scratch cover
My father drives a mid-sized sedan, which he is very fond of. However, living in Delhi, it
gets scratched and bumped very often. And it is in a garage every month or so for repairs,
costing Rs3,000 to Rs4,000 per visit. Can you tell me if it is allowed and preferable to
claim even small repairs from the motor insurance policy, or not?
There are generally no limits on the number of times you can make a claim in motor
insurance policies. Specifically, some add-ons may have restrictions. For example, some
insurers do not allow more than three claims under ‘zero depreciation’ add-on cover. In
case you claim more frequently, depreciation would be deducted.
I don’t recommend making several small claims a year. In case the ‘zero depreciation’
cover is not available in your policy, the final admissible amount for small repairs would
be significantly lower than the actual claim amount. Moreover, there is a minimum
deductible that lowers the admissible amount even further. A high claim frequency
discourages insurers to offer competitive rates at renewal time. The higher cash outgo on
renewal premium may offset the claim amount received from the insurer.
In some situations, the loss of no-claim bonus on renewal may be higher than a small
claim. In such cases, one should weigh the trade-off before making a claim.
Know more about PA cover
Why should I buy a personal accident insurance plan, when I already have a health
insurance policy? Does the health insurance policy not cover accidental hospitalization
expenses? Is the personal accident policy then more similar to a life insurance plan?
A standard health insurance plan covers hospitalization expenses arising out of an
accident. However, a personal accident plan has broader coverage. It would typically offer
a fixed pay-out in case of accidental death, or permanent disability. In case of accidental
death, the insurance pays the complete sum assured.

4. Root India Healthcare Limited
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What if a permanent disability, the policy pays varying level of sum assured based on the
nature of the disability. In the case of Total Permanent Disability, the policy would pay
the complete sum assured. Several personal accident policies have add-ons for temporary
total disability and medical expenses. Temporary total disability add-on pays a fixed
weekly allowance in case the person is temporarily immobile due to an accident.
This helps compensate for the loss of income during this period. The medical expenses
add-on reimburses even OPD expenses linked to the accident such as a fracture. A
personal accident plan and a basic life insurance plan have some overlap. Both plans pay
the sum assured in case of accidental death.