Lesson 39 of 53 · Health claims: rules on your side · 3 min read · Reviewed 29 Oct 2026
One hour for a cashless request, and three hours for the final discharge approval. If a delay past three hours adds hospital charges, the insurer pays them. After 60 months of continuous cover, ported years included, a claim can’t be refused for non-disclosure except for proven fraud.
Insurers decide cashless requests within an hour and final discharge within three hours.
No waiting period can exceed 36 months, including for diseases you had before buying.
After five years of continuous cover, a policy can’t be contested for non-disclosure, except fraud.
Key idea: Porting to another insurer keeps the years you have built up towards waiting periods and the five-year moratorium.
Try the short quiz on this page to check what stuck.
The insurer pays ₹5,000 a day after 30 days.
Yes, 30 days.
A condition diagnosed or treated in the 36 months before cover starts.
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