Hi Asad

Thanks fr the reply... I hv already gone through this article but this article is more bout how to cope up with this clause but i want to ask wether i shd consider this criteria in choosing a policy.. Whether it should be a deal breaker when every thing else is top notch in the policy, the names of which i have already mentioned in my question... Given a choice should i opt for a policy without this clause or shd i make an exception for this as everything else is otherwise good

Hi Brij,

To the best of my understanding, every Insurer considers reasonable and customary charges at the time of claim settlement. So, let this not compel your choice of policy. Try and take treatment at a network hospital wherever possible & you'll be fine.

Asad

Hi Asad

Thanks for the guidance... I was giving too much importance to this clause but after your suggestion i will give a leeway... However the only policy i didnt find this clause was hdfc optima secure... Ll give importance to the claim settlement nd general reputation of the company cos more than features claims are important... Features are useless if i don't get the claim