Can I get my health insurance premium back?
In case of policy cancellation within 3 months after completion of the free-look period, 50% of the premium amount will be refunded to the policyholder. In case of policy cancellation within 6 months after completion of the free-look period, 25% of the premium amount will be refunded to the policyholder.
How do I submit a health insurance claim?
If one has to file a health insurance claim, they must keep all receipts and arrange them in chronological order. Get the claim form from the health insurance company, prepare copies of the original for the purpose of claim submission, review and dispatch documents and understand the fine print in the policy document.
How do I cancel Southern Cross?
Yes, if you're unhappy with your policy and want to cancel, you can do this by calling 0800 000 200 or email [email protected]. If you cancel within 30 days of when your policy starts, any premiums paid will be refunded. After 30 days, there will be no refund of any premiums paid.
What diseases are not covered by insurance?
List of Diseases Not Covered Under Health Insurance
- Congenital Diseases/Genetic Disordered. ...
- Cosmetic Surgery. ...
- Health issues due to consumption of drugs, alcohol, and smoking. ...
- IVF and Infertility Treatments. ...
- Pregnancy Treatment. ...
- Voluntary Abortion. ...
- Pre-existing Illnesses. ...
- Self-Inflicted injury.