PERSONAL GUIDANCE. PLAIN ENGLISH. SINCE 1998.FREE +91 9969520707 · +91 9869165510

Insurance that makes sense when it matters most

Experienced insurance and mediclaim advice is a call away.

Need insurance? Call Andrew Kannan. With more than 28 years of experience, Andrew advises families and businesses on medical insurance, group health insurance and a wide range of insurance needs, while helping customers navigate complex claims.

Speak with Andrew →Understand mediclaim ↓

Andrew Kannan at his insurance advisory desk

A steady hand since

1998

Three decades of helping customers navigate health insurance decisions, renewals, hospital paperwork and claims.

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28+years of experience

3generations guided

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01 / The basics

What is mediclaim?

Mediclaim is health insurance that helps pay eligible hospitalisation and medical expenses, subject to the policy's terms, limits and exclusions.

When you are admitted for a covered treatment, the insurer may settle an approved bill directly with a network hospital through cashless service. In a reimbursement claim, you pay first and submit the required documents for assessment.

It is not a blank cheque. The policy schedule, wording, endorsements and exclusions decide what is payable. The right question is not only “What is the premium?” but “What will this policy actually do for my family?”

02 / The simple picture

How medical insurance works.

You pay a premium to transfer a large, uncertain medical expense to an insurer. If a covered event happens, the insurer assesses the claim against the policy and pays the admissible amount, subject to limits, exclusions and your share.

₹1. Choose

Select cover, sum insured, hospitals and terms that fit your family.

↻2. Pay

Pay the premium and keep the policy active through renewal.

+3. Treat

Use a network hospital or follow reimbursement requirements.

✓4. Claim

The insurer verifies documents and pays the admissible amount.

The important gap: hospital bill ≠ admissible claim. The difference may come from exclusions, waiting periods, sub-limits, co-pay and non-medical deductions.

03 / Read between the lines

Where claims can become smaller than expected.

People often feel cheated when a genuine hospital bill is not paid in full. Sometimes the issue is poor communication; sometimes it is a clause that was present all along but never explained clearly.

Room-rent limits

A ₹5,000 room limit can proportionately reduce the entire hospital bill, not only the room charge.

Sub-limits

Specific caps for cataract, ambulance, ICU, or procedures may leave a balance even when the policy is active.

Waiting periods

Pre-existing diseases and named treatments may be covered only after the stated waiting period.

Co-pay

A 20% co-pay means you pay 20% of an admissible claim, regardless of the premium paid.

Non-medical items

Gloves, registration, consumables and other excluded items can be deducted from reimbursement.

Disclosure gaps

An incomplete health declaration can give an insurer grounds to question a claim.

Fair warning, not fear: private insurers are regulated businesses, and every claim is assessed against the issued policy. Andrew's role is to help you compare terms, ask better questions, preserve documents and challenge deductions that appear inconsistent with the wording.

03 / Be claim-ready

A claim is easier when the paperwork is ready.

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Disclose honestly. Share past diagnoses, medicines and surgeries when applying. Never let anyone “hide” a condition.

Keep a policy file. Save the schedule, wording, premium receipts, renewal notices and every endorsement.

Ask before admission. Check network status, pre-authorisation requirements, room limits and likely deductions.

Escalate with records. Request written reasons for deductions and use the insurer grievance process before approaching IRDAI channels.

04 / Public-sector options

Government-owned insurers worth understanding.

Public-sector insurers can be part of a sensible comparison. Their government ownership does not remove the need to read the product wording, confirm the network and understand claims rules.

PUBLIC-SECTOR GENERAL INSURANCE

Oriental Insurance

The Oriental Insurance Company Limited offers health and general insurance products through its official channels. Product availability, eligibility, limits and service processes vary by plan.

Visit official website ↗

PUBLIC-SECTOR GENERAL INSURANCE

The New India Assurance

The New India Assurance Company Limited is one of India's long-standing general insurers. Compare the exact health policy, not only the company name or headline sum insured.

Visit official website ↗

Andrew can help you compare public-sector and private options on benefits, exclusions, service access and suitability. Final terms are always those in the policy issued to you.

05 / Andrew's method

Experience for the next generation.

Since 1998, Andrew Kannan has helped customers make insurance less intimidating. His work continues beyond the sale: explaining renewals, checking changing family needs, preparing documents, navigating cashless or reimbursement processes, and helping customers communicate clearly with insurers.

That is the value of an advisor who has seen policies, hospitals and family circumstances change over time: calm, practical guidance when a policy matters most.

Advice and claim settlement assistance are completely free of cost. This is the heart of Andrew's philosophy.

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Sources & scope. Educational content informed by public resources from IRDAI, Oriental Insurance and The New India Assurance. This website is not a substitute for the policy schedule, wording or professional legal advice. Coverage, admissibility and claim outcomes depend on the issued policy, disclosures and documents.

IRDAI ↗Oriental Insurance ↗New India Assurance ↗

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