Group Health Insurance with OPD & Wellness Benefits
Group Health Insurance with OPD & Wellness Benefits Claim Short Settled Even with OPD and wellness benefits included, group health claims can be short-settled due to sub-limits, exclusions, or unclear policy terms. At Authentic Insurance Brokers India Limited, we help decode policy clauses and ensure fair claim settlements that truly support employee well-being. Register Complaint 45754 – 23423 What Does a Short-Settled Group Health Insurance with OPD & Wellness Benefits Claim Really Mean? A short-settled Group Health Insurance claim with OPD and wellness benefits means the insurer has reimbursed less than the actual medical or outpatient expenses incurred by the employee. This often happens due to sub-limits, exclusions on consultations, lab tests, or wellness treatments, or lack of clarity in policy interpretation. Such underpayments can leave employees frustrated and financially burdened, despite having coverage. At Authentic Insurance Brokers India Limited, we help organizations identify the reasons behind short settlements, interpret policy clauses, and liaise with insurers to ensure rightful and full claim payments—maximizing the value of health benefits provided to employees. “ Shobha Despite having a comprehensive group health plan with OPD and wellness features, the reimbursement was disappointing and failed to cover the full cost of routine medical care and preventive services “ Shivam We trusted our group health policy with OPD and wellness coverage to support everyday medical needs, but the actual claim settlement didn’t meet expectations and created an unexpected financial burden. “ Deepak Despite offering OPD and wellness coverage in our group health plan, the claim didn’t match the actual expenses. The lack of clarity in policy terms made it difficult to dispute the reduced payout. FAQs How does know your policy feature work ? All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. What is the benefit of a quality check ? Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. How do i get my records rectified after the quality check ? We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes
motor-insurance
Motor Insurance Motor Insurance is a policy that provides financial protection for your vehicle—whether it’s a car, bike, or commercial vehicle—against accidents, theft, fire, natural disasters, or third-party damages. In India, having at least third-party motor insurance is legally required for all vehicle owners. Register Complaint 45754 – 23423 Why is it Important? Road accidents and vehicle damage can lead to heavy repair costs and legal troubles. Motor Insurance helps you cover these unexpected expenses and ensures you’re not financially burdened. It also gives peace of mind, knowing that both you and others on the road are protected. “ Dipen Sheth My claim was delayed due to a change of address which needed to be updated in the insurance policy. I remember putting in a request but it was never granted. “ Hitesh Kakkad I want to check if my insurance policy is correct or not. Is there a way to do it? “ Ankit Tiwari I made a few changes to my car’s engine and braking system. I do not know how to update it in my insurance policy. FAQs How does know your policy feature work ? All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. What is the benefit of a quality check ? Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. How do i get my records rectified after the quality check ? We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes
home-insurance
Home Insurance Home Insurance is a policy that protects your house and belongings against unexpected events like fire, theft, natural disasters, or accidents. It can cover the structure of your home as well as the valuable items inside, such as furniture, electronics, and appliances. Some policies also include liability coverage if someone is injured on your property. Register Complaint 45754 – 23423 Why is it Important? Your home is one of your biggest investments, and repairing damage or replacing lost items can be very expensive. Home Insurance provides financial support in such situations, helping you recover quickly without huge out-of-pocket expenses. It gives you peace of mind knowing that your home and everything inside it is protected. “ Dipen Sheth My claim was delayed due to a change of address which needed to be updated in the insurance policy. I remember putting in a request but it was never granted. “ Hitesh Kakkad I want to check if my insurance policy is correct or not. Is there a way to do it? “ Ankit Tiwari I made a few changes to my car’s engine and braking system. I do not know how to update it in my insurance policy. FAQs How does know your policy feature work ? All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. What is the benefit of a quality check ? Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. How do i get my records rectified after the quality check ? We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes
travel-insurance
Travel Insurance Travel Insurance is a policy that protects you from unexpected problems while traveling, such as trip cancellations, lost luggage, medical emergencies, or flight delays. It can be used for both domestic and international travel and helps cover costs that might come up due to travel-related issues. Register Complaint 45754 – 23423 Why is it Important? When you’re away from home, even a small problem can turn into a big headache. Travel Insurance gives you peace of mind by covering medical costs, missed flights, or lost belongings, so you don’t have to pay from your pocket. It’s a smart and affordable way to ensure a safe and worry-free trip. “ Dipen Sheth My claim was delayed due to a change of address which needed to be updated in the insurance policy. I remember putting in a request but it was never granted. “ Hitesh Kakkad I want to check if my insurance policy is correct or not. Is there a way to do it? “ Ankit Tiwari I made a few changes to my car’s engine and braking system. I do not know how to update it in my insurance policy. FAQs How does know your policy feature work ? All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. What is the benefit of a quality check ? Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. How do i get my records rectified after the quality check ? We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes
personal-accident-insurance
Personal Accident Insurance Personal Accident Insurance is a type of policy that provides financial protection if you suffer from an accident that leads to injury, disability, or death. It pays a lump-sum amount in case of accidental death or permanent/temporary disability. Some plans also cover medical expenses and hospitalization due to accidents. Register Complaint 45754 – 23423 Why is it Important? Accidents can happen anytime and may lead to serious financial strain—especially if they affect your ability to work. Personal Accident Insurance gives you and your family financial support during such difficult times. It ensures that even in case of sudden injury or loss of income, you have the funds to manage treatment, daily expenses, or recovery. “ Dipen Sheth My claim was delayed due to a change of address which needed to be updated in the insurance policy. I remember putting in a request but it was never granted. “ Hitesh Kakkad I want to check if my insurance policy is correct or not. Is there a way to do it? “ Ankit Tiwari I made a few changes to my car’s engine and braking system. I do not know how to update it in my insurance policy. FAQs How does know your policy feature work ? All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. What is the benefit of a quality check ? Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. How do i get my records rectified after the quality check ? We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes
critical-illness-insurance
Critical Illness Insurance Critical Illness Insurance is a special type of health insurance that gives you a lump-sum payout if you are diagnosed with a serious illness listed in the policy. These illnesses usually include cancer, heart attack, stroke, kidney failure, and major surgeries. Unlike regular health insurance, which reimburses hospital bills, this plan gives you a fixed amount of money that you can use however you need—medical treatment, travel, or even daily expenses. Register Complaint 45754 – 23423 Why is it Important? A critical illness can lead to expensive treatments and a long recovery time, sometimes forcing you to stop working. This can put a lot of financial stress on you and your family. Critical Illness Insurance helps ease that burden by providing immediate financial support. It acts as a safety net so you can focus on recovery without worrying about money. “ Dipen Sheth My claim was delayed due to a change of address which needed to be updated in the insurance policy. I remember putting in a request but it was never granted. “ Hitesh Kakkad I want to check if my insurance policy is correct or not. Is there a way to do it? “ Ankit Tiwari I made a few changes to my car’s engine and braking system. I do not know how to update it in my insurance policy. FAQs How does know your policy feature work ? All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. What is the benefit of a quality check ? Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. How do i get my records rectified after the quality check ? We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes
top-up-insurance
Top-Up Insurance Top-Up Insurance is an additional health insurance plan that provides extra coverage beyond a certain limit (called the deductible). It works like a backup to your main health policy. For example, if you have a basic health plan of ₹3 lakhs and a top-up plan of ₹5 lakhs with a ₹3 lakh deductible, the top-up will pay only if your medical bills go beyond ₹3 lakhs. Register Complaint 45754 – 23423 Why is it Important? Top-Up Insurance is useful when you want higher coverage without paying high premiums. Instead of buying a bigger base policy, you can keep your existing one and add a top-up to handle large or unexpected medical expenses. It gives peace of mind and financial protection during serious illnesses or surgeries while keeping your insurance costs low. “ Dipen Sheth My claim was delayed due to a change of address which needed to be updated in the insurance policy. I remember putting in a request but it was never granted. “ Hitesh Kakkad I want to check if my insurance policy is correct or not. Is there a way to do it? “ Ankit Tiwari I made a few changes to my car’s engine and braking system. I do not know how to update it in my insurance policy. FAQs How does know your policy feature work ? All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. What is the benefit of a quality check ? Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. How do i get my records rectified after the quality check ? We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes
floater-individual-health-insurance
Individual Health Insurance Individual Health Insurance is a medical policy that covers the healthcare expenses of a single person. The sum insured is dedicated only to that individual. It pays for hospitalization, surgeries, doctor consultations, and other medical costs. If you have separate policies for each family member, each person gets their own coverage limit. Register Complaint 45754 – 23423 Floater Health Insurance Floater Health Insurance is a single policy that covers multiple family members under one sum insured. For example, a family floater plan can include you, your spouse, and children. If anyone in the family gets hospitalized, the entire sum insured can be used by that person. It’s more affordable than buying separate policies and is ideal for young, healthy families. “ Dipen Sheth My claim was delayed due to a change of address which needed to be updated in the insurance policy. I remember putting in a request but it was never granted. “ Hitesh Kakkad I want to check if my insurance policy is correct or not. Is there a way to do it? “ Ankit Tiwari I made a few changes to my car’s engine and braking system. I do not know how to update it in my insurance policy. FAQs How does know your policy feature work ? All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. What is the benefit of a quality check ? Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. How do i get my records rectified after the quality check ? We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes
individual-term-life-insurance
Individual Term/Life Insurance Individual Term or Life Insurance is a policy that you buy for yourself to provide financial protection for your family in case of your untimely death. In term insurance, you are covered for a specific period (like 10, 20, or 30 years), and if you pass away during that time, your nominee receives a fixed sum of money. In life insurance (also called whole life or endowment), the policy may also include savings or maturity benefits if you survive the policy term. Register Complaint 45754 – 23423 Why is it Important? Individual life insurance is important because it gives peace of mind that your loved ones will be financially secure if something happens to you. It helps cover major expenses like loans, children’s education, or day-to-day living costs. Term plans are especially affordable and offer high coverage at low premiums, making them ideal for anyone with financial responsibilities. “ Dipen Sheth My claim was delayed due to a change of address which needed to be updated in the insurance policy. I remember putting in a request but it was never granted. “ Hitesh Kakkad I want to check if my insurance policy is correct or not. Is there a way to do it? “ Ankit Tiwari I made a few changes to my car’s engine and braking system. I do not know how to update it in my insurance policy. FAQs How does know your policy feature work ? All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. What is the benefit of a quality check ? Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. How do i get my records rectified after the quality check ? We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes
group-gratuity-insurance
Group Gratuity Insurance Group Gratuity Insurance is a policy taken by employers to manage and fund the statutory gratuity benefits payable to employees. As per Indian law, employers must pay gratuity to employees who complete at least five years of service. This insurance helps the employer build a fund over time to meet these future obligations. It also provides life cover for employees under the same policy, depending on the plan. Register Complaint 45754 – 23423 Why is it Important? Group Gratuity Insurance helps employers manage gratuity payments smoothly without facing sudden financial pressure when employees retire or resign. It also ensures that employees receive their rightful benefits without delay. For employers, it brings tax advantages and better financial planning. For employees, it guarantees financial support after years of service, making it a valuable part of their retirement benefits. “ Dipen Sheth My claim was delayed due to a change of address which needed to be updated in the insurance policy. I remember putting in a request but it was never granted. “ Hitesh Kakkad I want to check if my insurance policy is correct or not. Is there a way to do it? “ Ankit Tiwari I made a few changes to my car’s engine and braking system. I do not know how to update it in my insurance policy. FAQs How does know your policy feature work ? All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. What is the benefit of a quality check ? Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. How do i get my records rectified after the quality check ? We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes All you need to do is to fill in a few details and upload your policy. Our AI-enabled platform scans through your policy document, which will help you find missing information, errors, and inconsistencies in your policy. Quality check will help you understand the problems associated with your insurance policy and give you a drafted email that you can send within seconds. We enable you to send pre-drafted email to your insurance company to get your details updated & rectify the mistakes