Hospitalisation
Coverage may apply to eligible inpatient and day-care treatment expenses, subject to the selected plan.
Health Insurance
Health Insurance
Health insurance can provide financial protection against eligible medical and hospitalisation expenses and help families plan for unexpected healthcare costs.
Understand the cover
Claims guidance
Coverage choices
Customer supportUNDERSTANDING THE POLICY
Protection built around the risk you want to manage
Health insurance is not a blanket payment for every medical expense. It is a defined contract that responds to eligible treatment and expenses within the chosen benefits, limits, waiting periods, exclusions and policy conditions.
Family Floater
Family-oriented plans can provide a shared sum insured for eligible members, depending on product design.
Cashless Network
Eligible treatment at participating network hospitals may be available through the insurer's cashless process.
Pre & Post Hospitalisation
Certain plans may cover specified expenses before and after hospitalisation within defined limits.
Day-care Procedures
Modern procedures that do not require prolonged hospitalisation may be covered when listed under the policy.
Optional Benefits
Products may offer additional benefits such as maternity, critical illness, personal accident or top-up protection.
COVERAGE AREAS
What the policy may address
Coverage is subject to the exact policy wording, schedule, endorsements, limits, conditions and exclusions.
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Hospitalisation and eligible treatment expenses within the policy's defined scope.
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Day-care procedures specifically covered by the product.
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Pre- and post-hospitalisation expenses where the policy provides such benefits.
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Ambulance, domiciliary treatment, health check-up or maternity benefits where expressly included.
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Additional protection through top-up, super top-up or critical illness products where selected.
IMPORTANT CONDITIONS
What to check before choosing
Insurance is a contract of defined coverage, not a blanket guarantee against every loss.
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Losses, events or circumstances specifically excluded by the policy wording or endorsements.
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Losses outside the policy period, geographical scope or insured interest.
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Amounts above applicable limits, sub-limits or deductibles.
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Claims affected by material non-disclosure, misrepresentation, fraud or breach of a material policy condition.
Documents that may be requested
- Proposal and identity/contact information for each insured person.
- Age and family relationship details where required for family or floater cover.
- Medical reports, prescriptions, diagnostic reports or hospital records where requested.
- Hospital bills, discharge summary, prescriptions, investigation reports and payment records for claims.
CLAIMS JOURNEY
What to do when something goes wrong
Prompt notification and complete documentation can help the insurer assess a claim efficiently. Exact timelines depend on the policy.
01Notify the insurer or TPA promptly, especially for planned hospitalisation or emergency admission.
02For cashless treatment, use an eligible network facility and follow pre-authorisation where applicable.
03Keep original bills, discharge summary, prescriptions, investigation reports and claim records.
04Submit reimbursement documents within the timeline stated in the policy.
05Cooperate with medical review, verification or additional-document requests where applicable.
FREQUENT QUESTIONS
Questions customers commonly ask
What is health insurance?
Health insurance is designed to cover specified healthcare expenses according to the benefits, limits, exclusions and conditions of the selected policy.
What is a waiting period?
Many health policies have initial, specific-treatment and pre-existing-condition waiting periods. Exact periods differ by insurer and product.
What is cashless treatment?
Eligible expenses may be settled directly with a network hospital through the insurer's cashless process, subject to authorisation and policy terms.
What is reimbursement?
The insured pays eligible expenses and submits the required documents to the insurer for assessment.
Does every hospital expense get covered?
No. Room-rent limits, sub-limits, deductibles, exclusions, waiting periods and non-medical expenses can affect the amount payable.
Can health insurance be renewed?
Renewal is subject to the product terms, payment of renewal premium and applicable insurer and regulatory conditions.
PERSONAL ASSISTANCE
Talk to GUAN Technologies about Health Insurance
Tell us about your requirement and our team can help you understand what information and coverage features should be compared.