Liability of mediclaim company to preinform various ceilings

N.B.Lal (Querist) 18 July 2011 This query is : Resolved
Is corporate mediclaim company liable to give me information regarding eligibility ceiling for seperate heads?
I mean financial limits on various heads like medicines,Dr.'fee ,room rent etc. in advance to enable me to select an affordable hospital within my policy limits.
They are telling me to first get the proposal sent by the hospital then they will let them know what is permissible and what is not.I do not think it is fair.

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mahendrakumar (Expert) 18 July 2011
presuming that you are one of the beneficiaries of a corporate mediclaim policy,I am answering your query.

If so,the policy is issued as a group policy to the employer covering all.

the terms and premiums are negotiated between the insurance company and the employer concerned.

as such all eligible benefits and its terms would informed to the employer alone and not to the individual member.these terms could ascertained from your hr dept.

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