Health Insurance
Health insurance covers medical expenses that arise due to an illness/ accident. These expenses could be related to hospitalization costs, cost of medicines or doctor consultation fees.
It is advisable to invest in medical insurance at the right time. We assure you – God forbid – if you face any medical problem, this medical insurance acts as a saviour. It feels good when you realize that a small investment done previously comes to rescue when you need a large amount for health care.
Cover your health related expenses by picking a comprehensive health plan. Try our easy to use platform to understand, compare and finalize a policy that best suits your needs
Features Of Health Insurance
- Tax benefits: Health insurance policies in India are eligible for tax benefits under Section 80D of the Income Tax Act. This means that policyholders can claim a deduction for the premium paid for their health insurance policy.
- Coverage for pre-existing conditions: Some health insurance policies in India offer coverage for pre-existing conditions, although this may be subject to certain conditions and exclusions.
- Coverage for critical illnesses: Many health insurance policies in India offer coverage for critical illnesses, such as cancer, heart disease, and stroke.
- Family coverage: Many health insurance policies in India offer family coverage, which means that the policy can cover the policyholder and their dependents, such as their spouse, children, and parents.
- Renewability: Most health insurance policies in India are renewable, which means that policyholders can continue their coverage even after the policy term has ended.
Benefits Of Health Insurance
- Coverage for medical expenses: The primary benefit of health insurance is that it provides coverage for a range of medical expenses, including hospitalization, surgeries, and other medical treatments. Some health insurance policies also offer coverage for pre-existing conditions, although this may be subject to certain conditions and exclusions.
- Cashless hospitalization: Many health insurance policies in India offer cashless hospitalization, which means that policyholders do not have to pay for their medical expenses out of pocket. Instead, the insurance company pays the hospital directly for the treatment.
- No-claim bonus: Some health insurance policies offer a no-claim bonus, which is a discount on the premium that is applied if the policyholder does not make a claim during the policy term.
- Tax benefits: Health insurance policies in India are eligible for tax benefits under Section 80D of the Income Tax Act. This means that policyholders can claim a deduction for the premium paid for their health insurance policy.
- Coverage for pre-existing conditions: Some health insurance policies in India offer coverage for pre-existing conditions, although this may be subject to certain conditions and exclusions.
- Coverage for critical illnesses: Many health insurance policies in India offer coverage for critical illnesses, such as cancer, heart disease, and stroke.
- Family coverage: Many health insurance policies in India offer family coverage, which means that the policy can cover the policyholder and their dependents, such as their spouse, children, and parents.
- Renewability: Most health insurance policies in India are renewable, which means that policyholders can continue their coverage even after the policy term has ended.
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Popular Health Insurance Plans
Popular Health Insurance Plans
| Health Insurance Plan | Min / Max Entry Age | Sum Assured | Benefits | Pre-existing Disease waiting period | Action |
|---|---|---|---|---|---|
| HDFC Ergo Optima Secure | Min – 18 years (Dependent child -91 Days) / Max – 65 Years | Rs. 5 Lakh – Rs. 2 crores |
• You will be provided preventive Health check-ups benefits after completion every policy year. • Optima Secure covers even alternate treatment methods ayurvedha, yoga, naturopathy, unani, siddha and Homeopathy. • 2X coverage with no additional cost • Policy tenure 1 to 3 years according to your convenience. |
36 Months | Apply Now |
Yes, you can include your family members in your Health Insurance policy.
Yes, you can use your Health Insurance policy with network hospitals all over in India.
Yes, you can avail Tax benefit under section 80D towards premium paid upto Rs. 25000/- in a financial year for you, your spouse and dependent.
Third Party Administrator (TPA) act as an intermediary between insurer and claimant to support the process of claims and settlement.
Insurance companies have grace period 15 days from the due date of payment. To continue the Health Insurance policy benefits. Customer has to make payment within grace period of 15 days. I have Health Insurance cover from my employer.
There two benefits of Individual Health Insurance policy. Your Health Insurance policy can work as an additional cover for you and the second benefit is one you are retiring from your service you will still have health insurance cover from your existing individual policy.
Health Insurance policy protect you and your family from financial risk or uncertainties due to medical emergencies.
There two benefits of Individual Health Insurance policy. Your Health Insurance policy can work as an additional cover for you and the second benefit is one you are retiring from your service you will still have health insurance cover from your existing individual policy.
Insured person gives the prior information about the medical treatment and pay the expenses by his own to the hospital and then claims for reimbursement the same within 15 days of discharge from the hospital.
During Hospitalisation Insured person needs to inform Third party administrator (TPA) of Insurance company to avail cashless facility.
Yes, Minimum 24 hours of hospitalisation to claim Health Insurance benefit.
