No fee is required to be carried out by the insured because the clause involves a mutual agreement between both the events, i.e. the insurer and the network hospital. Despite taking excellent care of your health, there are quite a few unexpected circumstances like seasonal diseases, dengue, malaria, or an accident that may hit anyone anytime. Even 2-days of hospitalization expenses would value you someplace between INR 60,000 to INR 1 lakh and much more . You don’t have to stay to your current insurer any longer if you do not want to since IRDA now allows you to change your current insurer without losing any of the existing benefits. Previously, if you changed your insurer, then you definitely needed to compromise on the benefits, viz.