Frequently Asked Questions (FAQ s) Health Wallet

Transcription

1 Frequently Asked Questions (FAQ s) Health Wallet Suitability 1. What is the maximum entry age for the adults? Age 65 years 2. What is the maximum entry age for the Child? Age 25 years 3. What is the minimum entry age for the adult? Age 18 years 4. What is the minimum entry age for the child? Age 91 days (provided either of the parents are covered) 5. What are the relationships covered in the policy? Self, Spouse, Dependent Children & Dependent Parents or parents in law 6. How many members can be covered under individual sum insured policy? A maximum of 6 members can be added in a single individual policy. In an individual policy, a maximum of 4 adults and a maximum of 5 children can be included in a single policy. The 4 adults can be a combination of Self, Spouse, Father, Father in law, Mother or Mother in law. 7. What are the relationships that can be covered in individual policy? A maximum of 6 members can be added in a single family floater policy. A maximum 2 adults and a maximum of 5 children can be included in a single policy. The 2 adults can be a combination of Self, Spouse, Father, Father in law, Mother or Mother in law. In a family floater the age of the eldest member will be considered while computing premium for the family. 8. What policy duration options are available? One year 9. How long can the customer renew the policy? Lifelong renewals/no cover ceasing age 10. What are the sum insured options available under this policy for both individual and floater policy? _Health Wallet_FAQ Page 1 of 21

2 300,000 50,00, ,000 25,00,000 Sum Insured 10,00,000 20,00,000 15,00, Does plan offer any choice of deductible? Yes, product offers optional deductible which can be opted No Deductib le 1000, ,000 Sum Insured 500, , What are the benefits available under this policy? The benefits available under this plan are In-patient treatment Pre-hospitalisation Post-hospitalisation Day care procedures Organ Donor _Health Wallet_FAQ Page 2 of 21

3 Ayush Treatment Emergency Ambulance Domiciliary Treatment Recovery Benefit Worldwide Emergency care Preventive health Check-up Restore Benefit Multiplier Benefit 13. What is Inpatient treatment? If the insured is admitted in the hospitals for more than 24 hours for treatment, this policy will pay for medical expenses. 14. What does inpatient treatment cover? It covers medical expenses like Room rent, boarding expenses, Nursing, Intensive care unit, Medical Practitioner(s), Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, Medicines, drugs and consumables, Diagnostic procedures The Cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure. 15. What is pre-hospitalisation and how many days will it cover? The medical expenses incurred before admitting to the hospital is called pre-hospitalisation. It will cover upto 60 days, prior to admission. 16. What is post-hospitalisation and how many days will it cover? The medical expenses incurred after discharge from the hospital is called post-hospitalisation. It will cover upto 90 days, after discharge from the hospital. 17. What are medical expenses that can be claimed from Pre and post hospitalization? Medical expenses like Doctor s consultation Fee Diagnostic Charges Medicine Bills 18. What are day care procedures? How many are covered? It is not outpatient treatment. It is medical expenses for admission less than 24 hours for treatment in a hospital or day care center due to technology advancement is called day care procedures. We cover all day care procedures. Example, dialysis, cataract, chemotherapy for cancer, etc. 19. What is organ donor? _Health Wallet_FAQ Page 3 of 21

4 For donor, the surgical/harvesting charges for the organ are paid through this benefit. Organ cost is not paid. 20. How much is paid through emergency ambulance? For emergency ambulance is paid upto Rs per hospitalization. 21. What is domiciliary treatment? Treatment in home is covered, provided if there is no bed available in the hospital or the person cannot be transferred to the hospital. It is not outpatient. 22. What is AYUSH Benefit? Medical Expenses incurred for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy upto 100% of in-patient sum insured. 23. What is Recovery Benefit? A lumpsum payment of Rs 10,000 would be provided in case hospitalisation exceeds 10 consecutive days. This benefit is payable only once per Illness/Accident per Policy Year 24. What is Worldwide emergency care benefits? Covers expense on treatment of illness or conditions first manifested during the Policy Period while travelling overseas upto a maximum of 20 L, provided Hospitalisation or Day Care Procedure was necessary and was done. 25. We are offering Worldwide Emergency Care, then why customer will opt CAR? Emergency Worldwide care benefit covers emergency treatment for illnesses contracted or accidents sustained while insured is travelling overseas, where as Critical advantage covers 8 listed CI s for a planned overseas treatment. 26. Does Health Wallet offer any Cumulative Bonus? Yes, product offers Multiplier Benefit of 50% for each claim free year subject to maximum of 100% of sum insured. In case of a claim it is reduced by same percentage. 27. Does Health Wallet offer and Check-up benefit? Yes, Preventive Health Check-up is offered under the plan, the eligibility is based on reserve benefit sum insured applicable as per grid below Reserve Benefit Sum Insured (Rs) Plan For Non Deductible plans Individual 1500, per individual 2500, per individual 3000, per individual 3500, per individual _Health Wallet_FAQ Page 4 of 21

5 Family Floater 3000, per policy 5000, per policy 6000, per policy 7000, per policy For Deductible plans Individual Family Floater 1000, per individual 2000, per policy 2000 per individual 4000, per policy 2500 per individual 5000, per policy 3000 per individual 6000 per policy Any member who was NOT insured under the previous policy year would not be entitled for this benefit. This benefit is not available for expenses incurred on a preventive health check-up in the first policy year. Benefit will NOT be carried forward if it is not claimed and would not be provided if the Health Wallet is not renewed further. Reserve Benefit (RB) 28. What is Reserve Benefit and how do I select the sum insured? Reserve benefit is an additional sum insured available under the plan, sum insured for reserve benefit is dependent of combination of sum insured and deductible opted. Base Sum Insured/D eductible 300, ,000 1,000,000 1,500,000 2,000, , ,000 No Deductible 5,000 5,000 10,000 10,000 15,000 20,000 25,000 Reserve Benefit Sum Insured 200,000 Deductible 300,000 Deductible 500,000 Deductible 10,00,000 Deductible 5,000 5,000 10,000 10,000 15,000 20,000 25,000 Combination Combination Combination 5,000 5,000 10,000 10,000 15,000 15,000 Combination Combination 5,000 10,000 10,000 15,000 15,000 Combination Combination 10,000 15,000 15, What is covered under Reserve Benefit? _Health Wallet_FAQ Page 5 of 21

6 Reserve benefit is an additional sum insured available under the plan, sum insured for reserve benefit is dependent of combination of sum insured and deductible opted. i. Out-patient expenses. This includes - Diagnostic Tests - Vaccinations - Pharmacy - Consultations with a Medical Practioner, Physiotherapist,Dietician, Speech therapist, Psychologist - Dental expenses - Spectacles, contact lenses, - Hearing aids - Medical devices like C-PAP, Bi-PAP, Blood Pressure monitors, Blood sugar monitors and supplies, Heart rate monitors, Portable ECG s, Pulse Oxymeters, Prosthetics etc. - Special health foods and supplements (food for diabetics/hypertensive and special health conditions, proteins and supplements etc) ii. Incidental medical expenses. This includes - Co-payment and / or Deductible for any health insurance claim - Standard non-payable items under any health insurance claim - Other Medical Expenses not covered under any medical insurance (For example cosmetic treatment, Alzheimer s etc.) 30. What happens if I do not fully utilize RB limit during the policy year? Residual RB sum insured amount would be rolled over to next policy year with addition of 6% bonus. 31. If basic claim is not settled can we use Reserve Benefit? Yes, Reserve Benefit sum insured can be utilized irrespective of claims made under base sum insured 32. Once the 4 yrs completed the slide says we can claim even bills we have in year 2 in reserve benefit. Is this only limited year 2 or even year 1 or 2 or 3 also? Please clarify. Reserve benefit amount can be reimbursed for previous years at any given time provided that there was sufficient sum insured at the time those expenses were incurred. 33. How does Reserve Benefit What happens if I do not fully utilize RB limit during the policy year? 1. Migration from Health Wallet Individual Plan to Family Floater plan _Health Wallet_FAQ Page 6 of 21

7 1 30, , , , , Reserve Benefit (RB) amount available for each member at renewal including bonus amount would be added and carried forward. 2. Migration from Health Wallet Family Floater plan to Individual Plan 1 90, , , , ,500 Reserve Benefit (RB) amount available at renewal including bonus amount would be divided equally between the insured members who were insured in the previous policy year. 90,000/ 4 = (Total amount/no. of members). 3. Migration from Health Wallet Family Floater plan to Individual Plan with member addition 1 90, _Health Wallet_FAQ Page 7 of 21

8 , , , , Reserve Benefit (RB) amount available at renewal including bonus amount would be divided equally between the insured members who were insured in the previous policy year. 90,000/ 4 = (Total amount/no. of members). New sum insured for Reserve Benefit will be available for new member added at renewal as per SI opted 4. addition at renewal in an Individual Plan 1 300, , , , , , added at renewal start accumulating reserve benefit afresh. 5. addition at renewal in an Family Floater Plan _Health Wallet_FAQ Page 8 of 21

9 Full Reserve benefit SI including the bonus shall be available to the added member at renewal 6. deletion at renewal in a Family Floater Plan Reserve Benefit amount would be available for deleted member for next 12 months from date deletion for utilization. 7. deletion at renewal in an Individual Plan 1 300, , , , _Health Wallet_FAQ Page 9 of 21

10 1 300, , ,000 Reserve Benefit amount would be available for deleted member for next 12 months from date deletion for utilization. 8. Midterm member deletion Individual Plan 1 300, , , , , , ,000 Reserve Benefit amount would be available for deleted member for next 12 months from date deletion for utilization. 9. Midterm ember deletion a Family Floater Plan _Health Wallet_FAQ Page 10 of 21

11 Reserve Benefit amount would be available for deleted member for next 12 months from date deletion for utilization. 10. deletion due to CD age greater than 25 renewal in Individual Plan 1 300, , , , ,000 Similar amount of benefits provided in the new policy with continuity benefits 11. deletion due to CD age greater than 25 in Family Floater Plan ,000 Similar amount of benefits provided in the new policy with continuity benefits Individual SI policies merging into a single Family Floater plan with new member addition at renewal Individual SI Policy , ,000 Individual SI Policy _Health Wallet_FAQ Page 11 of 21

12 1 50, , ,25, Reserve benefit sum insured available under both policies would be added ad would be available for all members in the floater including the newly added member Family SI policies merging into a single Family Floater plan at renewal with member addition Floater Policy 1 (1A + 1C) 1 50,000 2 Floater Policy 2 (1A + 1C) 1 40,000 2 Merged policy ( 2A + 2C) 1 90, Reserve benefit sum insured available under both policies would be added and will available for all members in the merged floater including newly added members _Health Wallet_FAQ Page 12 of 21

13 14. 2 Family SI policies merging into a single individual sum insured plan at renewal Floater Policy 1 (1A + 1C) 1 50,000 2 Floater Policy 2 (1A + 1C) 1 50,000 2 Merged individual sum insured policy 1 25, , , ,000 Reserve Benefit (RB) amount available at renewal including bonus amount would be divided equally between the insured members are also insured under both previous policy year. 100,000/ 4 = (Total amount/no. of members). New sum insured for Reserve Benefit will be available for new member added at renewal as per SI opted 15. Family floater ( 2A + 2C) policy splitting into 2 individual sum insured policies at renewal 1 100, Policy , , _Health Wallet_FAQ Page 13 of 21

14 Policy , ,000 Reserve Benefit (RB) amount available at renewal including bonus amount would be divided equally between the insured members who were insured in the previous policy year. 100,000/ 4 = (Total amount/no. of members). 16. Family floater ( 2A + 2C) policy splitting into 2 Family floater sum insured policies at renewal 1 100, Policy ,000 2 Policy ,000 2 Reserve Benefit (RB) amount available at renewal including bonus amount would be divided equally between the two family floater policies 100,000/ 2 = (Total amount/no. of members). 34. If Customer A buys Floater policy of Rs.10 lacs than he is eligible for Rs as RB, later on he buys additional Individual new policy for Rs.10 lacs?what would be his RB benefit as his total SI is now Rs.20 lacs. As under our other plans and company philosophy in such cases insured should opted for a higher sum insured rather than opting to buy additional policies _Health Wallet_FAQ Page 14 of 21

15 35. Does product offer any family discount? No 36. What are the medical conditions for whom the policy is not issued? The declined conditions at the entry level are I. Cancer or Tumor II. Type 1 & 2 Diabetes III. Heart attack, Bypass, Stroke IV. Renal/Kidney failure V. Epilepsy, Paralysis 37. Are cosmetic treatments or medical attention for cosmetic purposes covered? Plastic surgery or cosmetic surgery is excluded unless necessary as a part of medically necessary treatment certified by the attending medical practitioner for reconstruction following an accident, cancer or burns. Exclusions and waiting periods 38. Are there any waiting periods for in the plan? Yes, waiting period applicable under the plan are as below a) 30 Days waiting period, except for hospitalisations resulting from an accident b) 2 year waiting period for specified illness Organ / Organ System Illness / diagnoses (irrespective of treatments medical or surgical) Surgeries / procedure (irrespective of any illness / diagnosis other than cancers) Ear, Nose & Throat (ENT) Sinusitis Rhinitis Tonsillitis Gynaecological Cysts, polyps including breast lumps Polycystic ovarian diseases Fibromyoma Adenomyosis Endometriosis Adenoidectomy Mastoidectomy Tonsillectomy Tympanoplasty Surgery for Nasal septum deviation Surgery for Turbinate hypertrophy Nasal concha resection Nasal polypectomy Hysterectomy _Health Wallet_FAQ Page 15 of 21

16 Prolapsed Uterus Orthopaedic Non infective arthritis Joint replacement surgeries Gout and Rheumatism Osteoporosis Ligament, Tendon and Meniscal tear Prolapsed inter vertebral disk Gastrointestinal Cholelithiasis Cholecystectomy Cholecystitis Surgery of hernia Pancreatitis Fissure/fistula in anus, Hemorrhoids, Pilonidal sinus Gastro Esophageal Reflux Disorder (GERD), Ulcer and erosion of stomach and duodenum Cirrhosis (However Alcoholic cirrhosis is permanently excluded) Perineal and Perianal Abscess Rectal Prolapse Urogenital Calculus diseases of Urogenital Surgery on prostate system including Kidney, ureter, bladder stones Surgery for Hydrocele/ Rectocele Benign Hyperplasia of prostate Varicocele Eye Cataract Nil Retinal detachment Glaucoma Others NIL Surgery of varicose veins and varicose ulcers General ( Applicable to all organ systems/organs Benign tumors of Non infectious etiologye.eg. cysts, nodules, polyps, lump, growth, Nil whether or not etc described above) c) 36 months waiting period for any pre-existing conditions Pl Note: Waiting periods as specified in the terms and conditions will be reduced by the number of continuous preceding years of coverage of the Insured Person under Health Wallet policy, for any enhanced sum insured waiting periods shall start afresh. Portability 39. Does product support portability? Yes, product support both inward and outward portability. Portability would be limited to the extent of previous sum insured + CB (if any), due wavier of 30, days, 2 years and PED waiting _Health Wallet_FAQ Page 16 of 21

17 period would be waived as per coverage with previous insurer. Each proposal would be underwritten based on age and SI opted. Claims 40. What is a cashless claim? In cashless claim the insured is required to intimate Apollo Munich to avail cashless facility. On authorisation by the Apollo Munich, the company directly settles the claim to the network hospital and insured is not required to pay any charges except non-medical and expenses not covered under the policy. Insured person is entitled for cashless only in our network hospitals. 41. What is a reimbursement claim? In a reimbursement claim the insured has to pay upfront for the services of the provider and seek reimbursement from the Insurer for the covered services. 42. What is Pre-Authorization? In a pre-authorization process, the insured or the service provider seeks an approval and guarantee of payment from the insurer for the covered services before the Hospitalization / service for planned treatment and during the course of Hospitalization / service for emergency treatment 43. Does this policy offer benefits if one suffers illness/disease or contract injury through accident either in India or outside India? This policy only covers medical treatment taken within India except for hospitalisation under Worldwide Emergency Care benefit and payments under this policy shall only be made in Indian Rupees within India. 44. How does one get reimbursement for pre- and post-hospitalization expenses under this scheme? Your policy allows reimbursement of medical expenses incurred 60 days before and 90 days after discharge from hospitalisation towards pre and post hospitalisation expenses. The Insured is required to send all invoices in original with supporting documents/prescriptions along with a copy of the discharge summary to Apollo Munich. Apollo Munich will scrutinize the claim and settle the invoices subject to the overall limit of the policy. The invoices must be sent to the company within 15 days from the date of completion of treatment. Medical documents with all details about the Illness; and the date and the place of the proposed Hospitalisation. 45. What is the reimbursement process for preventive health check-up cover? Step 1: Submit original bills/receipt and the duly filled and signed reimbursement form (annexure) at any of Apollo Munich Branch Office or courier to Claims Department, - For Canara Bank Health checkup reimbursement) Apollo Munich Health insurance Co. Ltd Ground floor, Srinilaya Cyber Spazio, Suite # 101,102,109 & 110, Ground Floor, Road No. 2, Banjara Hills, _Health Wallet_FAQ Page 17 of 21

18 Hyderabad Step 2: If there is any deficiency in the documents/information submitted by you, Apollo Munich will send the deficiency letter within 7 days of receipt of the documents. Step 3: On receipt of the complete set of documents, Apollo Munich will process the admissible amount within 15 days. 46. What is the reimbursement process for Reserve Benefit? Step 1: Submit original bills/receipt and the duly filled and signed reimbursement form (annexure) at any of Apollo Munich Branch Office or courier to Claims Department, - For Canara Bank Health checkup reimbursement) Apollo Munich Health insurance Co. Ltd Ground floor, Srinilaya Cyber Spazio, Suite # 101,102,109 & 110, Ground Floor, Road No. 2, Banjara Hills, Hyderabad Step 2: If there is any deficiency in the documents/information submitted by you, Apollo Munich will send the deficiency letter within 7 days of receipt of the documents. Step 3: On receipt of the complete set of documents, Apollo Munich will process the admissible amount within 15 days. Pre Policy Check 47. Is there any pre policy check while proposing for cover under Health Wallet? Yes, basis age, sum insured and deductible opted pre policy check would be applicable as per table below. Health Wallet without Critical Advantage rider (Sum at risk) AGE(yrs) SUM INSURED < = 3 Lac > 3 to < = >10 to < = >15 to < > 20 to < > 25 to < 10 Lac 15 Lac =20 Lac =25Lac 50 Lac >=50 Lac < 18 STP STP STP STP STP STP Tele MUW STP STP STP STP Tele MUW Tele MUW Tele MUW STP STP STP STP Tele MUW Tele MUW Tele MUW _Health Wallet_FAQ Page 18 of 21

19 56-60 Tele MUW Tele MUW Tele MUW >60 (CAT 7) (CAT 7) (CAT 7) (CAT 6) (CAT 7) (CAT 6) (CAT 7) (CAT 6) (CAT 7) (CAT 6) (CAT 7) Cat 6 Cat 7 MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd MER, FBS, ECG, 2D ECHO, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd Health Wallet with CA rider (Sum at risk) Rest of India Age\Sum at <=3 lacs >3lacs and <=5 lacs >5 lacs and <=10 lacs >10 lacs risk (SAR) <18 Nil Nil Nil Nil Nil Nil Nil Cat 6 (MER, FBS, TMT, Lipids, Sr Creatinine, LFT, Sr uric acid,usg Abd) Cat 2 (MER, FBS, ECG, TC, Sr Creatinine) Cat 2 (MER, FBS, ECG, TC, Sr Creatinine) Cat 3 (MER, FBS, ECG, Lipids, Sr Creatinine) Cat 7 (MER, FBS, ECG, 2D ECHO, Lipids, Sr Creatinine, LFT, Sr uric acid, USG Abd) Cat 6 (MER, FBS, TMT, Lipids, Sr Creatinine, LFT, Sr uric acid,usg Abd) Cat 7 (MER, FBS, ECG, 2D ECHO, Lipids, Sr Creatinine, LFT, Sr uric acid, USG Abd) Cat 6 (MER, FBS, TMT, Lipids, Sr Creatinine, LFT, Sr uric acid,usg Abd) Cat 6 (MER, FBS, TMT, Lipids, Sr Creatinine, LFT, Sr uric acid,usg Abd) Cat 7 (MER, FBS, ECG, 2D ECHO, Lipids, Sr Creatinine, LFT, Sr uric acid, USG Abd) Cat 6 (MER, FBS, TMT, Lipids, Sr Creatinine, LFT, Sr uric acid,usg Abd) Cat 6 (MER, FBS, TMT, Lipids, Sr Creatinine, LFT, Sr uric acid,usg Abd) Cat 7 (MER, FBS, ECG, 2D ECHO, Lipids, Sr Creatinine, LFT, Sr uric acid, USG Abd) Health Wallet with CA rider (Sum at risk) South India Age\Sum at risk <=3 lacs >3lacs and <=5 lacs >5 lacs and <=10 lacs >10 lacs (SAR) <18 Nil Nil Nil Nil Nil Nil Cat 6 (MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd) years Nil Nil Cat 6 (MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd) years Cat 2 (MER, FBS, ECG, TC, Sr creatinine) Cat 3 (MER, FBS, ECG, Lipids, Sr creatinine) Cat 7 (MER, FBS, ECG, 2D ECHO, Lipids, Sr Cat 2 (MER, FBS, ECG, TC, Sr creatinine) Cat 6 (MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd) Cat 7 (MER, FBS, ECG, 2D ECHO, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd) Cat 6 (MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd) Cat 6 (MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd) Cat 7 (MER, FBS, ECG, 2D ECHO, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd) Cat 6 (MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd) Cat 6 (MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd) Cat 6 (MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd) Cat 6 (MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd) Cat 7 (MER, FBS, ECG, 2D ECHO, Lipids, Sr _Health Wallet_FAQ Page 19 of 21

20 creatinine, LFT, Sr uric acid, USG Abd) creatinine, LFT, Sr uric acid, USG Abd) 48. Where will be PPC conducted and who would pay for it? PPC would be conducted at our authorized network DC only on cashless basis. In case the proposal is rejected posy underwriting the PPC cost would be deducted from premium deposited before refunding. Others 49. What is the Optional Critical Advantage Cover? Critical Advantage is an optional rider which can be opted where base sum insured opted is 10 L or greater. Rider covers overseas hospitalisation due to listed 8 critical conditions on cashless basis. 1. Cancer Treatment 2. Coronary Artery by-pass surgery: 3. Heart Valve replacement or repair: 4. Neurosurgery: 5. Live-donor organ transplant: 6. Bone Marrow Transplant: 7. Aorta Graft Surgery 8. Pulmonary artery graft surgery 50. What sum insureds are available under the plan? $ 25,000 & $ 50, What are the benefits offered under the plan? Benefit Sum Insured a. Inpatient Treatment b. Post Hospitalisation Upto Sum Insured c. Accommodation expenses d. Travelling expenses e. Repatriation Expenses f. Second opinion for major illness Covered 52. Any tax benefit available to the customer for availing this policy? Premium paid towards only Health Insurance coverage is eligible for rebate under Section 80 D, below are details of rebate offered under Section 80 D _Health Wallet_FAQ Page 20 of 21

21 Description Self, Spouse & Dependent Children Parents (whether dependent or not) Total Deduction u/s 80D No one has attained the age of 60 years Rs. 25,000 Rs. 25,000 Rs. 50,000 Assesse and his family is less than 60 years & Parents are above 60 years of age Rs. 25,000 Rs. 30,000 Rs. 55,000 AMPower 53. Manual selection of CAR amount for each member. Ex. If 5L CAR is selected for primary insured, then AMPower will show CAR of 5L as default value for other members as well. If user wants to select a different amount (either 2.5L or NIL) for other members then he can do by sliding the bar _Health Wallet_FAQ Page 21 of 21