The correct answer is A. In emergencies insurer may waive preauthorisation for entering into a hospital for treatment.
Pre-authorization is a process that requires the insured to obtain approval from the insurer or third-party administrator (TPA) before receiving medical treatment. This is usually done by submitting a claim form and supporting documentation, such as a doctor’s referral or a hospital admission letter.
In some cases, pre-authorization may be waived. This is usually done in cases of emergency, when the insured does not have time to obtain approval from the insurer or TPA. In these cases, the insured should still submit a claim form and supporting documentation as soon as possible after receiving treatment.
Option B is incorrect because pre-authorization is not always required. In cases of emergency, pre-authorization may be waived.
Option C is incorrect because there is a provision for nomination in a health insurance cover. The nominee is the person who will receive the benefits of the health insurance policy in the event of the insured’s death.
Option D is incorrect because the summary of benefits, terms and conditions for each product in a health cover is mandatory. This information must be provided to the insured before they purchase the policy.