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AVYA - Her Plan B Know what could reach your money. Understand what protection actually fits, without the sales pitch.

29/10/2026

**Co-pay in health insurance: What do you actually pay?**

Your health insurance policy covers hospitalisation. But what if it says you must pay 20% of the eligible claim yourself?

That’s a co-payment, or co-pay.

For example, if your eligible claim is ₹2 lakh and your policy has a 20% co-pay, you would pay ₹40,000, while the insurer pays the remaining ₹1.6 lakh, subject to the policy’s terms and limits.

Before choosing a policy, check:
- Whether co-pay applies
- The percentage you must pay
- Whether it applies to every claim or only in specific situations

A policy’s sum insured tells you how much cover you have. The co-pay clause helps determine how much you may have to pay yourself.

**Understand your policy before you need to use it.**

AVYA | Your Plan B
Free to start. No sales pitch.

27/10/2026

Hospital admission deposit: Can you claim it back?

You pay a deposit when you're admitted to a hospital. But what happens to that money when your health insurance claim is settled?

The answer depends on your final hospital bill, the insurer's settlement and the hospital's billing process.

Before you assume the entire deposit will be refunded, remember to check:

- How much of the final bill is settled by the insurer?
- Are any expenses payable by you?
- Has the hospital adjusted the deposit against the final bill?

Understanding how the deposit, hospital bill and insurance settlement fit together can help you avoid surprises at discharge.

Watch this Reel to understand what to check.

**AVYA | Your Plan B**
Free to start. No sales pitch.

24/10/2026

A new baby brings new responsibilities. But adding your baby to your health insurance policy doesn’t automatically answer every coverage question.

Before assuming your newborn is covered, check:

- **When does coverage begin?**
- **Are newborn care and hospitalisation expenses covered?**
- **What waiting periods, conditions or limits apply?**

The details can vary by policy. A quick review now can help you understand what your cover actually provides.

Just welcomed a baby? Upload your policy and ask AVYA to help you understand your newborn’s coverage.

**AVYA | Your Plan B**
Free to start. No sales pitch.

22/10/2026

Disclosed an existing health condition when buying your policy? That’s an important first step. But does it mean the condition is automatically covered?

Not necessarily.

Coverage may depend on the insurer’s acceptance terms, applicable waiting periods, exclusions and the specific wording of your policy.

**Disclosure is important. Understanding your coverage is equally important.**

Check your policy. Know what applies to you.

**AVYA | Your Plan B**
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20/10/2026

This Dussehra, let’s celebrate new beginnings, inner strength and the courage to face what lies ahead.

सिर्फ़ रावण नहीं जलाइए, अपनी चिंताओं को भी मिटाइए। अपने protection gaps पहचानिए और उन्हें दूर करने की दिशा में कदम बढ़ाइए।

Because peace of mind begins with knowing you’re prepared.

Wishing you and your family strength, happiness and a protected future.

Happy Dussehra from AVYA | Your Plan B.

17/10/2026

Your health policy has a restoration benefit. But do you know when that restored cover becomes available?

Does it work for the same illness? Can another family member use it? Does it activate automatically, or only under specific conditions?

**The answer depends on your policy's wording.**

Don't just check whether restoration is included. Understand when and how it can be used.

Upload your policy and ask AVYA.

**AVYA | Your Plan B**

15/10/2026

Your health insurance covers ₹10 lakh. But does that mean you can choose any hospital room?

Not necessarily.

If your policy has a 1% room-rent limit, your eligible room rent may be capped at ₹10,000 per day on a ₹10 lakh sum insured.

What if you choose a room costing ₹15,000 per day?

Depending on your policy wording, the impact may go beyond the room-rent difference. Proportionate deductions on certain associated expenses may also apply.

Before choosing a room, check three things:

Your room-rent eligibility

Whether proportionate deductions apply

Any relevant exceptions in your policy

Your sum insured is only part of the picture. The terms attached to it matter too.

Upload your policy to Ask AVYA to understand what your room-rent clause means for you.

13/10/2026

I have health insurance. Why should I still keep an emergency fund?

Because health insurance and an emergency fund solve different problems.

Your health insurance can help cover eligible medical expenses. But you may still have:

• Deductibles or co-pay
• Non-payable or uncovered expenses
• Expenses outside your policy coverage
• Travel, caregiving or other urgent household costs
• Temporary income disruption

Think of it this way:

Health Insurance → Eligible healthcare costs
Emergency Fund → Unexpected expenses + liquidity

You don’t necessarily choose one over the other. They work together.

The real question is not just “Do I have health insurance?”

It’s “If something unexpected happens, do I have enough protection and liquidity to handle it?”

10/10/2026

“Cashless” doesn’t always mean ₹0 out of pocket.

Cashless treatment means the insurer may settle admissible expenses directly with the network hospital, subject to policy terms and approval.

You may still have to pay for:

Deductibles or co-pay
Non-payable expenses
Sub-limits
Expenses not covered under your policy

So before admission, don’t just ask:

“Is this hospital cashless?”

Ask:

“What will my policy actually pay?”

Upload your policy to Ask AVYA and understand what your cover actually includes.

General education only. Actual coverage and claim admissibility depend on the policy wording and facts of the case.

08/10/2026

A renewal is not just a payment date. It’s a good time to ask two questions:

Has my policy changed?
And has my life changed?

Over the past year, your family or financial situation may have changed. You may have a new family member, different dependants, changing healthcare needs, or simply a different level of financial responsibility.

At the same time, your policy may have changed too.

Before you simply renew and forget about it, check:

• Premium
• Sum Insured
• Deductibles / Co-pay
• Exclusions
• Benefits
• Policy details
• Whether the cover still fits your current needs

Because a policy that made sense last year may need a fresh look this year.

RENEWED ≠ REVIEWED.

Renewed your policy? Upload your old and new documents to Ask AVYA and check what changed — and whether your current cover still fits your needs.

General education only. Actual coverage depends on your policy documents and personal circumstances.

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