Nov 19, 2025, 02:44:31 PM IST
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1/5
Hospitalisation crosses renewal date? Here’s who paysThe old insurer is responsible because the date of hospitalisation decides liability.
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2/5
Renewing with same insurer? Your claim stays untouchedThere is no impact as the claim remains tied to the original admission date.
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3/5
Cancer or long-term treatment? How insurers split the billThe new insurer bills each treatment session separately as fresh hospitalisation or daycare.
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4/5
Leaving the job? Your post-hospital bills may still be coveredThe old insurer pays if the claim is filed before exit and within the prescribed deadline.
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5/5
Pre-approved earlier, discharged after renewal?The old insurer bears full liability as the claim remains tied to the original admission date.
(Text: ET Wealth Edition Nov 3 - Nov 10)
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