i have taken a healt policy (FAMILY FLOATER) from UNITED INDIA INSURANCE LTD for Rs 5 Lakh. (1) Kindly confirm whether I can claim expenses on medical treatment / procedures for which the stitching was done in hospital (panel / non panel) and the patient was not admitted (Whether 24 hrs. admission is compulsory in this policy). (2) Whether the coverage is Overall 5 lacs or for each member 5 lacs.

It is very easy to join any insurance or health insurance scheme.They encourage and render utmost customer service and extend enormous support for the purpose Insurance Company's business BUT... but... when the question of claim comes the
attitude disappears.No body takes responsibilty.The Insurance company tries to avoid payment by showing some excuse.So donot suppress any facts in the proposal before taking the insurance.Read and understand thoroughly the conditions in the small print. Write height weight correctly mention pre-existing diseases although some agents or administrative staff discourage you to do so.If you face any problem,go to the Head office Central office of the Insurance Company,or the Ombudsman if there is no response from the higher ups.Go to Press if you face any further problems.
K.S.S.Ramachandra Rao
Advocate
Hyderabad

Is there any Insurance for HIV positive people. Both Life and Health insurance.

I would like to get my mediclaim details online so is it available ?