“Policy Health Check + Annual Claim Support”

Description

Policy Audit, Review & Annual Claim Guidance — ₹1,499/year

You bought a health insurance policy. But are you sure it’s the right one?

Most Indians discover the problems in their health insurance policy only when a claim gets rejected. By then, it’s too late.

This package is for people who already have a policy — and want an expert second opinion before a medical emergency happens.

(Important Disclaimer

This is a purely advisory service. We make every effort to identify potential mistakes and gaps in your existing health insurance policy — however, we do not guarantee that every issue will be identified, nor that every issue identified can be rectified.

Some mistakes made at the time of buying a policy cannot be corrected after issuance. Whether a correction, alteration, or portability is possible depends entirely on the terms and conditions of your insurance company — this is beyond our control.

Regarding claim guidance — we provide you with information on the correct process, documentation, and best practices. However, whether a claim is approved, partially paid, or rejected is entirely at the discretion of the insurance company and TPA. Health Insurance Sahi Hai holds no responsibility for claim rejection, partial settlement, or any delay in claim processing.

Our role is to give you the right information and point you in the right direction. The final decisions and their outcomes rest with you and your insurance company.)

What’s included in this annual package:

1. Complete Policy Audit

We review your existing health insurance policy in detail — the way a doctor reviews a medical report. We look for mistakes, gaps, and red flags that could cause problems during a claim.

This includes checking for:

• Incorrect or incomplete declarations at the time of buying
• Wrong sum insured for your age, family size, and city
• Clauses that could lead to claim rejection or partial settlement
• Mistakes made by your agent that you may not even be aware of
• Whether your current policy matches your actual health needs

We will clearly tell you what we find — including issues that can be corrected and issues that cannot. No sugarcoating.

2. Need-Based Analysis & Personalised Recommendations

Based on your audit, we conduct a fresh need-based analysis — what sum insured you actually need, what type of policy suits your situation, and whether your current policy is the right fit.

You receive 3 to 5 specific policy recommendations suited to your profile.

After that, the decision is entirely yours. You can:

• Continue your existing policy as-is
• Make alterations to your current policy
• Port to a better policy
• Migrate to a different plan

We do not sell policies. We do not earn commission. You can buy from any insurer, any platform, any agent — your choice, your decision.

3. Claim Guidance Support for One Year

For 12 months from the date of purchase, you can reach us for guidance when a hospitalisation happens or a claim situation arises.

We will guide you on:

• Which documents to prepare and how
• Cashless vs reimbursement — what works better in your case
• How to respond to TPA queries
• Best practices to avoid claim complications

This is guidance over a call — we do not act as intermediaries with the insurer or TPA, and we do not guarantee claim settlement.

Who should buy this package:

• You bought a policy 1–5 years ago through an agent and have never reviewed it
• You are not confident your policy will actually pay out when needed
• You suspect your agent may have made errors while filling your proposal form
• You want unbiased advice on whether to continue, port, or upgrade — without anyone trying to sell you something
• You want a trusted contact to call if hospitalisation happens this year

₹1,499 per year · Unbiased · Fee-based · No commission, no conflict of interest

100% refund if you are not satisfied — no questions asked.