Health insurance
Ensure you and your family are financially protected when the unexpected happens. No matter what happens we have a range of plans to suit your needs. Get started today and feel stress free.
Types of
health insurance plans
We provide everything you need! Select the options that suit your specific requirements.
Various benefits of health insurance
Overcome Medical Inflation
Covers current and future medical expenses, such as pre and post-hospitalization costs, in the face of increasing healthcare expenses.
Combat Lifestyle Ailments
Covers long-term treatment costs for illnesses such as cancer and heart disease, that have increased due to changing lifestyles.
Protect Your Savings
Safeguard your earnings and avoid financial concerns by covering your medical expenses and receiving the necessary treatment.
Get Cashless Hospitalization
Avail medical treatment at any network hospital of your insurance provider without making any cash payments.
Save on Taxes
Section 80D of the Income Tax Act offers tax benefits on health insurance premium paid, allowing for better financial planning.
Peace of Mind
With a health insurance policy, you can undergo medical treatment without worrying about the high hospital bills and enjoy peace of mind.
Frequently asked questions
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What is health insurance?
Health insurance is an insurance product that provides cover for medical and surgical expenses of an insured person, in case of a medical emergency.
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Why should I buy health insurance?
You should purchase health insurance so that you don’t lose your lifelong savings while paying for medical bills in a critical situation.
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How will health insurance pay for my emergency medical expenses?
Your health insurance will either pay your hospital bills directly if opted for the cashless facility or it will reimburse any payment made by you towards medical expenses incurred due to an illness or injury.
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What is the eligible age to buy health insurance?
While the eligibility age for health insurance policies differs, the general eligibility age for adults ranges between 18 years up to 65 years. The eligibility age for children lies between 90 days up to 18 years.
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Will I be allowed to cover my family under my health insurance?
Yes, you can gain coverage for self, spouse, children, dependent parents, and multiple other relationships such as parents-in-law, siblings, and others if your plan allows.
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Will I be allowed to buy more than one health insurance plan?
Yes, you are free to buy another plan based on your specific medical needs.
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What are the common coverage benefits under my health insurance?
Health insurance benefits differ from policy to policy. However, basic health insurance benefits include cover for an inpatient hospitalization, pre & post hospitalization, daycare procedures, emergency ambulance expenses, organ donor expenses, domiciliary hospitalization, OPD expenses, and more.
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Will I be eligible for tax benefits if I buy health insurance?
Yes, buying health insurance will earn you the eligibility to claim tax benefits under Section 80D of the Income Tax Act, 1961
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What if I already have a health insurance policy, but I just want to increase my sum insured?
If you already have an insurance policy but want to extend your cover, you can do so at the time of policy renewal.
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What is a pre-existing disease?
The pre-existing disease is an ailment, injury, or disease that the insured individual is already affected by when purchasing a health insurance policy. Conditions like depression, anxiety, sleep apnea, diabetes, etc. are considered as pre-existing diseases in health insurance.
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Will my health insurance cover begin from day one?
You will have to wait for a period of 30 days (waiting period) before your policy starts covering you. If you have a health insurance policy for accident cover, there will be no waiting period. Furthermore, in the case of a pre-existing disease or specific diseases, you will have to serve the waiting period (depending on the plan) before enjoying the coverage.
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I have been recently diagnosed with a medical condition. Will I be allowed health insurance?
If you have already been diagnosed with a medical condition, it will be considered a pre-existing disease. In this case, you may have to wait for a specific period (waiting period) until allowed coverage. Based on your insurer, you may be required to pay a higher premium or face policy denial.
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What if I miss the premium renewal date?
In case of missed due date, your insurance company will give you a grace period of 15-30 days. If you again miss making the premium payment during the grace period, you may be denied coverage, denied policy renewal, lose out on no claim bonus, or asked to serve with waiting periods from the start.
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Will I gain more benefits by buying health insurance at an early age?
Yes, buying health insurance in the early years of life comes with many benefits. Upon doing so, you may gain a lower premium amount, no waiting period, better options, accumulate bonus, lower rejection rates, and others.
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Is there a limit on the number of claims that I can avail in one year?
No, there is no limit to the number of claims in a year. However, it should be ensured from your end that your policy sum insured amount does not get exceeded.
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What documents do I need if I want to buy health insurance?
If you want to buy health insurance, you need to submit the documents like aadhaar card, voter ID, driving license, and pre-medical check-up report (in some cases). The documents are required for age proof, identity proof, address proof, and medical check-up.
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Can I transfer my health insurance policy from one health insurance company to another?
Yes, you can transfer my health insurance policy from one health insurance company to another due to various reasons. Some include better quotes with another insurance company, better services, coverage for more healthcare expenses with a different insurer, etc.
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What are some common exclusions under health insurance plans?
Common exclusions under health insurance plans include cosmetic surgeries, dental treatments, treatments required due to participation in adventure sports like mountain climbing, paragliding, etc., treatments required due to self-harm like a suicide attempt, etc.
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