Buying health insurance is one of the most important financial decisions you can make. It not only protects your health but also shields your finances from unexpected medical bills. With CIC Group, the right medical cover gives you peace of mind and long-term financial resilience – but only if you ask the right questions before choosing a plan. Here are some essential questions to guide you as you evaluate health insurance options with CIC.
- What exactly does the policy cover?
Understand the specific services included in the plan – such as inpatient hospitalization, outpatient care, prescription medications, preventive checkups and maternity benefits. Knowing what is covered helps you choose a plan that matches your health needs. - How much will I pay?
Your premium will depend on the specific CIC health plan you choose, your age bracket, and the level of benefits you select. CIC offers a range of affordable options, each designed to meet different medical and budget needs. We can share a detailed quotation once we know your preferred cover limits and family composition. This ensures you only pay for a plan that truly fits your needs. - Which hospitals or healthcare providers are in the network?
CIC has an extensive nationwide network of over 1,600 healthcare providers, including major hospitals, specialists, and clinics across all 47 counties. You may access the full provider panel list through our website https://www.cicinsurancegroup.com/. If you visit a hospital or doctor who is not on the CIC approved provider panel, the cost of treatment may not be covered directly. In most cases, you would be required to pay out of pocket and then seek reimbursement, which is subject to policy limits, eligibility and CIC approval guidelines. - Is there a cover limit?
Yes. Each CIC medical plan comes with a defined annual cover limit, which represents the maximum amount the policy will pay for your treatment within the year. The limit you choose ranging from basic to high-value options will determine the scope of benefits available to you and your family. We will help you select a limit that matches both your healthcare needs and your budget. - Are pre-existing or chronic conditions covered?
Yes, CIC medical plans provide coverage for pre-existing and chronic conditions. For individual health insurance, a waiting period typically applies when purchasing a plan for the first time. However, this waiting period is waived for members transitioning from another insurer or a corporate scheme within 30days. For corporate covers, there are no waiting periods. The exact duration of the waiting period depends on the specific plan you select. - How do I make a claim?
CIC offers cashless claim options, allowing all insured members to receive treatment at network hospitals across all 47 counties and overseas without paying upfront, as CIC settles the bill directly with the provider. For reimbursement claims, simply submit your medical bills and required documents and CIC will reimburse you according to your policy terms. Documentation requirements and may vary by plan and service type, but our team is always ready to guide you through a fast and hassle-free claims process. - Are there extra benefits?
Yes. Beyond the core medical coverage, CIC offers a range of optional add-ons such as dental care, optical services, and maternity benefits. These extras enhance your policy, giving you more comprehensive protection and greater value for you and your family. - What are the policy’s exclusions?
Like all insurance plans, CIC medical covers have certain exclusions. These may include elective surgeries, experimental treatments, or specific high-risk procedures. Our team can provide a detailed list of exclusions for your chosen plan. CIC can offer flexibility on these exclusions at an additional premium.
Bonus advice:
- Compare before you decide: Explore multiple CIC health plans rather than choosing the first one you see.
- Think long term: Your health needs may change over time, so select a policy that is flexible enough to grow with you.
By taking the time to ask these questions, you will be in a much better position to choose a CIC health insurance cover that best fits your needs.
