Policy check
Know what your policy says before you need it.
Ask about a policy you hold or one you are considering. Understand the clauses that could change what is covered, what you may pay and what an insurer may ask for.
Questions worth asking
The six clauses that change a claim most often.
- What is covered — and under which conditions?
- Which exclusions and waiting periods apply?
- Are there room, treatment or benefit sub-limits?
- Does co-payment or proportionate deduction apply?
- How does restoration work?
- What documents may be required at claim time?
The policy wording governs
AVYA explains. The wording decides.
AVYA helps explain the document and identify relevant clauses. The final insurer-issued policy wording and the insurer’s interpretation govern actual coverage and claims.
Related reading
Clauses, explained.
Your question is the starting point
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