General
What is AYUSH Treatment in my policy?
AYUSH stands for the different alternative treatments to modern medical procedures that are covered under health insurance policies that include Ayurveda, Yoga, Unani, Siddha and Homoeopathy. As the name suggests, these treatments rely on enhancing ...
It is written in my policy- "newborn coverage from day 1". How should I raise a claim for a newborn then?
In order to avail newborn baby coverage, the primary insured has to share their baby's details with the HR. In case you haven't decided on a name for the baby, you can share the following name with your company's HR, "baby of (name of parent)". The ...
I want to add or remove a dependent beneficiary from my insurance policy
To add or delete any dependent beneficiary from your insurance policy, kindly contact your HR. It is important to note that no GMC policy allows mid-term addition or deletion of the dependent beneficiary. Please refer to this article for a better ...
I want to make corrections to my dependent(s) details on my insurance policy
In case any detail regarding your dependent beneficiaries is incorrect/missing, kindly communicate the same to your HR. Alongside, you are required to send us a soft copy of your that dependent’s ID proof (Govt. issued) to care@nova-benefits.com. ...
Does my policy cover OPD expenses?
Not every sickness necessitates being hospitalised. OPD (Outpatient Department) expenditures are similar to dental expenses in which it arises when you attend a clinic or hospital for treatment, receive care and medication, and recover from your ...
What is my Company/ TPA ID/Member ID in the claim form?
There are certain components in the claim form which might be confusing to fill up without proper knowledge in the subject. That's why, it's important to fill up the form correctly to avoid any delay in the initiation of your claim process. To find ...
What is not covered under my policy?
An Health Insurance's terms & conditions varies from employee-to-employee. While raising a claim, it's crucial to understand what is covered under one's policy to avoid unnecessary expenses from the insured's end. To find out what is not covered ...
What is Co-payment?
Many group health insurance policies include co-payments as a basic feature. In essence, it refers to the portion of the claim cost that the insured is responsible for paying out of pocket. It is determined on a percentage-sharing basis because both ...
I want to know the beneficiary details under my Insurance Policy
The details of the persons covered by your Insurance Policy will be available in the Nova Portal: You will find your Health Insurance Tab on your profile home page right when you log in. Click on the tab to view in detail. The page will give you the ...
What is covered under a GMC policy?
A Group Mediclaim policy may cover all or few of the following costs: Hospitalization Costs - If an individual is admitted for a stay of more than 24 hours, hospitalization costs are reimbursed. Pre and Post-Hospitalization Charges - This category ...
Can I add my parents/spouse/child to the GMC policy after inception?
A dependent can be added to a Group Mediclaim policy only if the following conditions are met: The request to add/remove dependents - parents/spouse/in-laws/child is shared at the time of policy booking. Once the policy is booked, only a newborn ...
I want to download my E-Card.
Your E-card, also known as your insurance card is downloadable from here Alternatively, 1. Login using your corporate e-mail ID and password 2. On the homepage itself, you can see the option for "Download E-Card". 3. You'll be able to download your ...
Frequently asked questions (Maternity)
Are pre and post-natal expenses covered under my policy? Pre and post-natal expenses for 60 days prior to hospitalization and 90 days post-hospitalization are usually covered in the GMC policy. However, it is best to check the specific terms and ...
What is Maternity Coverage?
Maternity benefits in a Group Mediclaim policy typically cover the medical expenses incurred for the pregnancy and delivery of a child. This can include expenses for pre-natal and post-natal care, as well as the cost of delivery (normal or cesarean ...
How can I find my policy document?
To find out what is covered under your insurance policy, click on "view details" under the health insurance tab on the homepage. After opening the health insurance tab, scroll the page a bit and in the end, you can see a "view policy document" ...
How can I go for top-up or super top-up?
When an insured wants to increase the sum-insured of their policy by paying a higher insurance premium, the process is known as top-up of the insurance policy. To opt for top-up of an insurance policy, the employee would have to share this ...
How do I login to the Nova Portal?
To Log in to your Nova Benefits portal, please use your Corporate e-mail id as your user id and the date of birth in DDMMYYYY format as the password. Alternatively, you can also login to the portal using the "magic link". We will send a link to your ...
What is my sum insured amount?
Your sum insured varies depending on the policy you are a beneficiary of. To check your sum insured on the Nova-benefits portal, the steps are as follows: You will find your Health Insurance tab in your homepage which will give you the information ...