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Shriram Health Insurance Overview
Shriram General Insurance Company, founded in 2006, is a joint venture between Shriram Group and Sanlam Limited. The company's main aim is to provide individual customers with commercial and personal insurance solutions. They have supported national growth and development by collaborating closely with marginalized 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 common people.
Shriram General Insurance offers a few plans that provide complete protection against medical costs.
Key Highlights
- 95,000+ Healthcare Providers
- 2.17 Crore Policies Issued
- 1.6 Million Claims Settled
- Sum Insured: Up to 3 Cr
- 24x7 Customer Support
Features of Shriram Health Insurance
- Over 60 Lakhs Happy Customers
- Claim settlement ratio of 51.53%
- Seamless claim operations
- Dedicated 24/7 customer support
- 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
Why Choose Shriram Health Insurance?
- They believe in transparency when it comes to health policies.
- Easy buying, renewing, and claim settlement process.
- Instant purchase of the policy.
- Various options for purchasing the policy, both online and offline.
- Available for emergency response.
What is Covered by Shriram Health Insurance?
Pre and Post Hospitalization Expenses
Shriram Health Insurance understands the impact of rising medical expenses; thus, their insurance products cover pre and post-hospitalization expenses related to in-patient hospitalization.
Critical Illness
The Shri Criti Care plan covers major critical illnesses and related expenses.
Hospitalization Expenses
Shriram health insurance plans cover hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Surgeries
The plan provides complete coverage for surgeries.
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 by Shriram Health Insurance?
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 hospitalizations or accidents caused due to adventure sports.
Involvement in Illegal Activities
Shriram Health Insurance 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 if you are diagnosed with PEDs (Pre-existing Diseases) such as hypertension, diabetes, or others.
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 these simple steps:
- 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 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.
Documents Required For Shriram Health Policy Claim Settlement
Submit the following documents when filing for Shriram health claims:
- Duly completed and signed original claim form.
- 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 test reports/radiology reports and payment receipts.
- Indoor case papers.
- First Information Report (FIR) and final police report, if applicable.
- Post-mortem report, if conducted.
- Any other document as required by the company to assess the claim.
Shriram Health Insurance 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, select the "Claim" option, then click on "Claim Intimation" to access the form.
- Step 2: Select "health claim" and enter the required information such as policy number, date of birth, and other details.
- Step 3: Select the "claim type" (cashless or reimbursement). Click 'Authorize' to receive an OTP on your verified number.
- Step 4: Verify with the OTP and fill in the required hospital admission information. Select the hospital, and provide hospital details if it's a non-network hospital.
- Step 5: Upload the requested documents and click 'Review'.
- Step 6: After reviewing, submit the intimation for the company's review. You will receive a claim intimation number, which should be noted for future reference.
How to Renew Shriram Health Insurance Plans?
Follow these 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: Enter your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for Shriram health insurance policy renewal at 1800-4200-269.
