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PAYOUT METHOD Generally the customer is not asked to pay if the tests are done at an empanelled centre.

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They may, however, vary from insurer to insurer and product to product.

For instance, many companies offer a comprehensive package for polices with high sum insured.

COST OF TESTS As various diagnostic centres have different charges, the policyholder must check the amount he will be reimbursed under his policy.

Then we send them an authorisation letter, which they need to carry to the diagnostic centre along with the health card," says Gulati.

"The insured has to send a request on the toll-free number or visit the nearby branch.

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