Shriram Health Insurance
Shriram General is a leading name in the Indian insurance sector that offers best health insurance plans, first-of-its-kind coverage options, high sum...Read More
Network hospitals
9500+
Claim settlement ratio
86.86%
Sum insured
Up to3 Crore
No. of Plans
0
Solvency Ratio
4.91%
Pan India Presence
+
Shriram Health Insurance Overview
Shriram General Insurance Company founded in 2006, is a joint venture between Shriram Group and Sanlam Limited. The main aim of the company is to provide individual customers with commercial and personal insurance solutions. Till now they have supported national growth and development by collaborating closely with marginalised communities. Although Shriram General Insurance Company offers house, health, travel, motor, car, and life insurance products, their major focus is on serving the needs of the common people.
There are only a few plans by Shriram General Insurance. But, it will make sure that it provide complete protection against the medical costs of diseases.
What are some of the
Features
that set them apart?
-
1
The company has over 60 Lakhs of Happy Customers.
-
2
The claim settlement ratio of the company is 51.53 per cent.
-
3
The claim operations are pretty seamless with this company.
-
4
Their customer support is dedicated and they are available 24/7.
-
5
Fastest claim process.
Shriram health insurance awards and accolades.
- Best Claim Settlement Non-Life Insurance Award 2022.
- Best Product Innovation Non-Life Insurance Award 2022.
- Best General Insurance Company of the Year 2019.
- Amiable Insurer in the Non Life Insurance 2018
- Excellence in Growth Award 2012
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Why Choose Shriram Health Insurance?
- They believe in transparency when it comes to health policy.
- Easy buying, renewing, and claim settlement process.
- Instant purchase of the policy.
- Various options for purchasing the policy, both online & offline purchases.
- Available for emergency response.
What is Covered?
Pre and Post Hospitalization Expenses
Shriram Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
Critical Illness
The plan Shri Criti Care, covers major critical illnesses and the expenses related to the same.
Hospitalization Expenses
Shriram health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Surgeries
In case, there is a requirement for surgery, the plan will give complete coverage.
Domiciliary Hospitalization
On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Shriram health insurance plans cover domiciliary hospitalization up to specified sub-limits.
What is not Covered?
Self Inflicted Injuries
Shriram Health policies will not cover injuries or hospitalization caused by self-harm.
Obesity or Weight Control Treatments
Shriram Health Insurance plans do not cover treatments related to obesity and weight management such as bariatric surgeries.
Cosmetic Procedures
Shriram Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
Shriram Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Involvement In Illegal Activities
Shriram Health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
What Are The Different Waiting Periods In Shriram Health Insurance Plans?
The various waiting periods associated with Shriram Health plans are:
Initial Waiting Period
Begins from the date of purchase and lasts for up to 30 days for most Shriram Health Insurance plans.
Pre-existing Disease Waiting Period
Shriram Health Insurance plans require you to serve specific waiting periods in case you are diagnosed with PEDs such as hypertension, diabetes, or any other.
Survival Period
Like waiting periods, Shriram health insurance plans with critical illness coverage have a survival period. During this period policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
Shriram Health Insurance Plans Buying Process
If you are looking forward to purchasing Shriram Health insurance online follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Shriram Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased Shriram health insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Shriram Health Insurance plan.
Shriram Health Insurance Renewal Process
Follow the steps for Shriram Health Insurance policy renewal
- Step 1
Visit the official website of Shriram Health Insurance Company
- Step 2
Click on the ‘Renew’ tab
- Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’
Connect with our insurance experts for Shriram health insurance policy renewal at 1800 - 4200 - 269
Shriram Health Insurance Plan Claim Process Steps
You can file for cashless as well as reimbursement claims for your Shriram Health Insurance Plans by following these easy steps:
- Step 1
Visit the website of Shriram Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
- Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
- Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
- Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
- Step 5
Upload the documents asked and click on the "review" button.
- Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Documents Required For Shriram Health Policy Claim Settlement
Submit the following documents when filing for Shriram health claims:
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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