Health Insurance
Up to
₹ 1 Crore

Avail Cashless Hospitalization Facility - It allows you to obtain a cashless hospitalisation facility at any of the network hospitals of your insurance provider by raising a cashless claim.

Protect Your Savings - By covering your medical expenses, you can get the treatment you need without worrying about your savings.

Afford Quality Medical Treatment - It allows you to afford the best medical treatment and care so that you can focus on getting better.

Fight Lifestyle Diseases - Many lifestyle diseases have been on the rise as a result of the changing lifestyle, such as cancer and heart ailments.

Ensure Peace of Mind - No worry about hefty hospital bills when receiving medical treatment with this plan.

Beat Medical Inflation - There is no doubt that health insurance plays an important role in helping you pay your medical bills, including pre and post-hospitalisation expenses, both today and in the future.

Get Tax Benefits - Section 80D of the Income Tax Act allows you to save tax on the health insurance premiums you've paid.

Easier to Compare Plans - To make an informed decision, it is easier to compare health insurance plans from different insurers online.

More Convenient - Buying policy online is more easy than visiting a branch, as you get direct information from the insurance company with no hidden charges.

No Agent Involved - Buy directly online and save on extra costs or commissions.

Online Discounts - It allows you to avail a discount on premiums for buying the policy online.

Lower Premiums - Insurance companies save a lot of money by offering health plans online.

Minimal Paperwork - The process of buying a health insurance policy online involves minimal to zero paperwork.

Policy Available 24x7 - You can buy a health insurance policy online at any time, even on public holidays.

Digital Payment Options - You can avoid cash payments and pay the premium online safely using digital payment methods.

Time-saving - The policy is issued within minutes of purchasing it, so you save a lot of time.

In-patient Hospitalisation Expenses - Hospitalisation expenses incurred during the treatment of an illness or injury are covered if the stay is longer than 24 hours.

Pre-existing Illnesses or Diseases - Following the waiting period, you can submit a claim for the treatment of pre-existing conditions.

Pre and Post Hospitalisation Expenses - Medical expenses incurred on blood tests, x-rays, and other medical check-ups required before hospitalisation are covered by the insurance company. Most health insurance plans also cover the cost of medicines and preventive health checks after you leave the hospital to ensure your recovery.

Ambulance Charges - Most medical insurance plans cover ambulance charges, although the amount varies.

Maternity Cover - This plan covers the medical expenses incurred during pregnancy, delivery, and the birth of a child.

Preventive Health Check-ups - Most Indian health insurance plans offer regular health check-ups.

Day-Care Procedures - Day care treatments are covered by health plans where hospitalisation of more than 24 hours is not required. The coverage includes eye surgery, dialysis, and other common day care surgeries, as indicated in your policy document.

Home Treatment Cover - It also covers the expenses incurred on getting medical treatment at home on the advice of a medical practitioner.

AYUSH Benefit - Ayurvedic, Unani, Siddha, Yoga, and Homoeopathic treatments are also covered by some health insurance plans.

Mental Healthcare Cover - All health plans in India cover mental illnesses as per the Mental Healthcare Act, 2017. IRDAI had directed all insurers to amend health policies to cover the in-patient treatment of mental illnesses, like acute depression, bipolar affective disorder, schizophrenia, etc., by 31st October 2022.

The first 30 days after buying a health insurance plan are not covered unless there is an accident

Pre-existing diseases are subject to a waiting period of two to four years

A 90-day waiting period is usually required for critical illness coverage

Injuries caused by war/terrorism/ nuclear activity

Self-inflicted injuries or suicide attempts

Terminal illnesses and other diseases of a similar nature

Cosmetic/plastic surgery and replacement of hormone surgery

Non-accidental dental treatments

Bed rest and rehabilitation

Diagnostic tests

Claims arising out of adventure sports injuries

Sum Insured - Your health insurance company must pay a maximum amount for medical expenses during the policy term when you purchase a mediclaim policy. In order to choose a sum insured that matches your potential medical costs and lifestyle, it is crucial to assess your needs. When living in a city with high healthcare costs, it is advisable to opt for a higher sum insured.

Waiting Period Clause - It is important to always check the waiting period when purchasing a health insurance plan for yourself or your family. Non-accidental claims, especially those pertaining to specific illnesses, won't be accepted during this period. After the waiting period is over, pre-existing diseases (PED), such as blood pressure, diabetes, thyroid, etc., are covered.

Pre and Post-Hospitalisation Cover - Medical expenses can increase your medical bills even before and after a hospital stay. Hospitalisation costs aren't just limited to staying in the hospital. To determine whether your mediclaim policy covers pre-hospitalisation and post-hospitalisation expenses, it is vital to check this before purchasing a mediclaim policy.

Restoration Benefit - When you have a claim, the insurance company will restore your entire insured amount if the amount has been used up. As an example, if your parents' health insurance policy covers five lakh rupees and you use all of it for one treatment, the insurer will refill the amount, allowing you to claim again before the policy expires. A family or elderly person who has several health issues or accidents a year may benefit from this, especially if they have more than one.

Co-payment Clause - The co-payment clause in a mediclaim policy must be checked before you invest. During claim settlement, the policyholder must pay a fixed percentage of the hospital bill. Despite being cheaper, health policies with a co-payment clause increase out-of-pocket expenses since you have to pay a part of the bill.

Day Care Procedures - You should check the number of daycare treatments covered under your health plan before buying. These procedures/treatments require hospitalisation for less than 24 hours. Radiotherapy for cancer, cataract surgery, and dialysis are some of the most common day care procedures. A mediclaim policy that covers all or some daycare treatments depends on your current health condition.

Specific Treatments & Diseases - The coverage for specific treatments and diseases is another important factor to consider when buying a mediclaim policy. This is particularly important if you have pre-existing conditions or anticipate needing specialised care. For certain procedures like joint replacements and cataract surgeries, most health insurance companies in India impose a waiting period of up to three years or impose a limit on the coverage. Before purchasing a plan, it is important to understand coverage and terms and conditions.

Room Rent Capping - When you have health insurance, you pay for your room rent, including ICU and single rooms, during hospitalisation. Depending on the type of room you choose, your insurance provider may set a limit on the room rent or specify a category for hospital rooms. For a better experience, you should always opt for medical insurance plans with no room rent caps.

Sub-limits - A sub-limit is a cap or maximum limit on expenses, such as room rent, ICU charges, specific treatments, etc., which you must always check before purchasing a health policy. If your in-patient hospitalisation costs exceed the limit, you might have to pay out-of-pocket expenses, so it is important to find a plan with minimal or no sublimits. For example, your policy might only cover 1% of the sum insured for inpatient hospitalisation.

No Claim Bonus/ Cumulative Bonus - If you are considering purchasing a Mediclaim policy, check for the No Claim Bonus or cumulative bonus. The No Claim Bonus (NCB) is a discount on renewal premium offered to you for every claim-free year by your insurer. However, a cumulative bonus increases your coverage amount for each claim-free year without increasing your premium. You can benefit more from a policy with a higher percentage of NCB/cumulative bonus.