Customers are often not as clear as to what kind of health policy they require. Lack of knowledge, improper guidance, and not realizing one’s real need all add to the confusion. At SIL, we believe the customer must get the right Health Plan based on his individual requirement and we guide him with the necessary information and advice at each step of the buying process. To choose the right policy, you should first understand your requirement, be honest about your medical history and choose a policy according to what your budget permits. People generally do not understand the difference between a Health/Mediclaim plan. A Health plan is very often misunderstood as a Mediclaim policy. The health plan is a broader terminology. A Health plan includes many kinds of covers from general Mediclaim to Special Covers which could take care of the hospitalisation and allied expenses. We as insurance experts, help you zero in on the right plan. It is important to understand the right plan that suits your budget.

We also assist a customer with health insurance portability. In 2011, the Insurance Regulatory & Development Authority of India (IRDAI) allowed the portability of an existing policy to a better policy offered by a different company keeping all past features intact. This means there is no waiting period while you port the policy with the new Insurer. Portability allows an individual to transfer his policy to another company offering better features or for any other reason. One has to do the same 45 days prior to the due date where he is required to put a proposal to the insurance company so that they can examine the acceptability of the proposal