How does a claim work in a monthly premium?

The overall process to claim your health insurance during a medical emergency is the same as annual premium plans. 
Most insurers adjust your pending premiums with the settlement amount. For example, if you've paid premiums for three out of twelve months, the eligible coverage will be adjusted to the total coverage minus the pending premium amount for the remaining nine months.
However, some insurers settle the complete claim amount, whereas your subsequent premiums continue as before for others. Please read the policy details to understand the claim process.