Faq's
     NEWS AND EVENTS

Frequently Asked Questions

Questions
 
How is ARC better than any other insurance policy?
Why does it score higher than any other product in the market?
What are the major differences between ARC and other policies?
What is so great about ARC?
 

Answer

 
  Our USP The ARC Advantage Other insurance policies
1 Any Number of Accidents We cover any number of accidents in a year upto Rupees One Lakh for each accident With every claim, the total sum insured keeps reducing to zero
2 Any Kind of Accident All nature of accidents are covered –slip and fall injury, animal bite; insects, snake, dog, electric shock, burns, drowning etc. Only road and factory accidents are covered under any other insurance policy
3 Out Patient Cover

We cover your expenses even if you are an out patient upto Rs.10,000/- any number of times you meet with an accident

Out patient coverage is not provided
4 Free Ambulance Free ambulance services for any accident occurred anywhere – Road, Home or Office Ambulance is never a part of the total cover. It is separately chargeable.
5 Death Benefit We provide One Lakh additionally for any accidental death Mediclaim policies do not cover death. Only 24hrs  hospitalisation.
6 Cashless Treatment We have cashless treatment facility with over 100 hospitals in Bangalore Provided
7 Blood Arrangement We also provide operational support in organising blood for no extra charge No one provides
8 Anywhere in India We cover for accidents occurred anywhere in India No one provides for accident
9 100 % Settlement ARC settles 100% of the claim/expenses as the nature be Various companies settle 10%, 20% etc and not the full amount
10 Lab Investigation 25% discount Our members can avail 25% discount in lab investigation expense from any of our 30 tie up diagnostic centres. No one provides
11 Service @ Doorstep Our PRO meets you at your doorstep to guide you for claims and collect your bills whenever required. No one provides
 

Questions

Why should I take it?
How is it useful?
How does it help?
 

Answer

The most important thing about accidents is that, they are Always Unpredictable.
Hence, nobody knows when, how and under what circumstances, he may meet with an accident.
Despite all our precautionary measures, there is every possibility for any person to face an accident.
Moreover, nobody can predict the extent of damage an accident can cause.
Hence, we strongly believe that if have a mechanism/system where we get Immediate Attention, then the chances of reducing the damage is very very high.
Providing urgent medical attention to any kind of accident is our philosophy.
If we do so, we can actually prevent the accident from Turning Fatal.
 

Questions

Why should I pay Rs699/-?
Isn’t the premium is too high?
Is it worth while spending this amount?
I am not convinced.
I am not interested.
 
Answer
When we can cover our motorcycles worth Rs.50,000/- against accidents by spending Rs.1000/- every year, Rs.699/- is too small an amount for our own safety and well being.
You actually will be spending as less as Rs.2/- per day for your protection.
We need to pay at least Rs.5/- for a cup of coffee or tea, which many of us have many times a day
 

Questions

If I do not meet with an accident, will you refund my money?
Is there any maturity benefit?
To get benefits, I should meet with an accident?
 
Answer
This premium is towards a cover which can be much much higher than the premium itself.
While one pays only Rs699/-, he enjoys a cover of One Lakh any number of times in a year!
Hence, I am afraid that our premiums are not refundable as this is a pure insurance cover.
Like for example, when we take a vehicle insurance we do not get any refund at the end of the year.
For your life, a coverage for the whole year for any number of times you meet with an accident, this amount of 699 is extremely small.
 
Questions
What is OPD cover?
What is Out Patient Treatment?
How do I claim?
 
Answer
When a patient undergoes all/any kind of treatment in a hospital without getting admitted, he qualifies to be an out patient.
This can happen whenever, one meets with minor injuries and accidents, where treatment can be taken without getting hospitalized/admitted in a hospital/nursing home.
At ARC, we cover upto Rs.10,000/- for an out patient treatment.
 
Claim Procedure
Intimate ARC within 24 Hrs of the incident/accident if it has occurred in Bangalore and 48 hrs if outside Bangalore
Register a complaint & ask for a complaint number
The PRO (Public Relation Officer) shall pay you a visit at the earliest and guide you about making the claim
The medical expense as an out patient has to be borne by the patient and later claimed from ARC
The claim has to be made within 30 days of the treatment getting over.
Call ARC and intimate the claims department
The PRO shall pick up your bills from your doorstep and your claim shall be settled within 20 working days
 
Questions
What is in patient treatment?
What is cashless facility?
Is every thing cashless?
What is the claim procedure?
 
Answer
When a patient has to get admitted in a hospital for receiving any type/kind of medical treatment, he qualifies to be an in-patient.
We have cashless treatment facility for our in patients.
This means they can get admitted and start the treatment without paying any deposit or advance.
Also, while getting discharged, if the expenses are within one Lakh, the patients can get discharged without paying a single rupee to the hospital
The hospitalisation should be for a minimum duration of 24 hours to avail the claim
 
Claim Procedure
Intimate ARC within 24 Hrs of the incident/accident if it has occurred in Bangalore and 48 hrs if outside Bangalore
Register a complaint & ask for a complaint number
Our PRO visits the hospital
He facilitates cashless treatment if it is a network hospital of ARC
If it is not a network hospital, our PRO guides you for making the claims after the expenses are borne by you
 
Questions
I already have a Mediclaim policy.
My company covers my medical expenses.
I am already covered.
This is not required.
 
Answer
It is very good to know that you are covered under Mediclaim; however, ARC offers unique feature that no other policy covers.
It is wonderful to know that. But however, our features are unparalleled. You will not get these features anywhere else.
 
Questions
How much tax do you charge?
What is the tax applicable?
What all taxes do you deduct?
Do I get income tax benefit?
Do I get 80 C benefits?
Answer
As per Government of India regulations, we deduct a service tax of 10.36%.
This money goes to the Government and it is mandatory for us to collect.
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