5 Lac Health Coverage starting from only ₹257/month*5 Lac Health Coverage starting from only ₹257/month*

What is Health Insurance?

Health insurance is an agreement wherein an insurance company agrees to compensate the insured for the medical and surgical expenses incurred during the policy tenure. The medical expenses may incur if the insured falls ill, or meets an accident that leads to hospitalisation of the insured. To be eligible to avail coverage benefits under the policy, the policyholder is required to pay a specific amount periodically, known as premium. Health insurance premium is decided by an insurance company and policyholders are required to pay the same on a monthly, quarterly, half-yearly, or yearly basis, without any lapse, to avoid losing the renewal benefits.

What is Health Insurance?

Importance of Health Insurance Plans in India

With rising healthcare expenses, access to the required and quality medical treatment can be financially draining. So, to protect yourself and your family against these expenses, you must get everyone insured under a reliable health insurance plan in time. Here are top reasons why you should consider buying health insurance today:
  • To Protect Your Savings

    To Protect Your Savings

    One hospitalisation has the potential to drain entire savings of lifetime. But if you get hospitalised with a comprehensive health insurance plan, you can save this hard earned money. There are different health insurance plans in the market to cater to different requirements of individuals. But most commonly, they cover the insured for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, health check-up, ambulance expenses, domiciliary expenses, organ donor expenses, and so on
  • To Deal With Medical Inflation

    To Deal With Medical Inflation

    An unforeseen illness can put anyone in stress. And the rising cost of medical treatment in such times only makes the situation worse. And the healthcare expenses are not only limited to hospitalisation expenses, but also include pre-hospitalisation and post-hospitalisation expenses. These include ambulance expenses, expenses related to medicines, diagnostic tests, doctor’s consultation, room rent, etc. All these expenses can be saved by purchasing an affordable health insurance policy timely.
  • Lifestyle Changes

    Lifestyle Changes

    Another reason to get health insurance cover is that it helps you fight lifestyle diseases such as cancer, kidney failure, stroke, paralysis, heart diseases, etc. These diseases are most common in people above 45 years of age but due to sedentary lifestyles, stress, pollution, etc. these are now affecting youngsters as well. A comprehensive health insurance plan that covers you for regular medical check-up not only helps you identify the diseases, but also offers financial protection in case of their treatments.
  • To Secure the Health of Your Family Members

    To Secure the Health of Your Family Members

    A single health insurance policy can cover your entire family. Many insurance companies offer health insurance plans that allow you to cover oneself, legally wedded spouse, dependent parents, dependent children, dependent parents-in-law, brother, sister, aunt, uncle, brother-in-law, sister-in law, etc. It reduces the hassle of maintaining multiple health insurance plans and keeps you stress free by keeping your entire family protected at all times. Also, purchasing health insurance plans on a family floater basis prove to be more affordable.
  • Timely and Good Quality Medical Treatment

    Timely and Good Quality Medical Treatment

    With a reliable health insurance plan, one can avail of timely and good quality treatment without draining their entire life savings. To avail the treatment, all the insured has to do is visit the nearest network hospital and avail the required treatment as per the terms and conditions mentioned in the policy document. The insured can avail treatment for up to the sum insured, at these hospitals, without paying anything from his/her own pocket. The facility can be availed in case of planned hospitalisation as well as emergency hospitalisation.

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Why Should You Buy Health Insurance Online?

Convenience in buying as well as a wide variety of health insurance plans online are major reasons why most people prefer buying health insurance plans online. Explained below are some more reasons why you should buy health insurance online:

Time-Saving - Buying health insurance plans online helps you save time as it does not involve any insurance agent whom you need to explain your requirements too, or ask for suggestions. All you need to do is fill a quote and shortlist the most relevant health insurance policy from the ones displayed on your screen.

Easy to Compare Different Health Insurance Plans - With a health insurance premium calculator, it becomes easy to calculate premiums as well as compare different health insurance plans. Also, it is easy to compare policies online as it offers a simplified way to do so instead of doing it on paper.

Right Decision - When buying health insurance plans online, you have complete flexibility to choose the most suitable one for yourself and your family. You have access to all the information like policy quotes, coverage benefits, exclusions, and other terms and conditions. All you have to do is a comparative study of the most suitable plans.

Information Available 24x7 - You can buy a health insurance policy anytime. There is no time limit to buy insurance plans online on portals like InsuranceDekho.

Discounts - Many health insurance companies offer you discounts if you buy their health insurance plans online. This helps you avail of similar or better benefits at comparatively affordable premiums.

Instant Coverage - Online purchase of health insurance plans provides you with instant investment proof, which makes your coverage active from immediate effect. Also, flexible modes of premium payment are available when buying health insurance plans online. You can choose the mode at your convenience and pay the premium via a secured payment gateway.

If you want to ensure a smooth health insurance buying process, then you must pick a reputed insurance company that offers you enough information about the health insurance plan purchased.

How to Buy Health Insurance Plan Online?

Getting a health insurance plan which meets all your requirements while meeting your budget is very simple and quick with InsuranceDekho.

  • Step 1: Enter Your Personal DetailsStep 1
    Step 1: Enter Your Personal Details

    Enter your personal details like Name, Mobile Number, Email ID, Gender, City, etc to see top health insurance plans matching your specific requirements.

  • Compare Health Insurance Plans OnlineStep 2
    Compare Health Insurance Plans Online

    From all the available health insurance quotes, select the plan which meets your budget and requirements in the best manner.

  • Make Payment Online
    Make Payment Online

    Pay the plan premium online via secured payment gateway through a payment mode of your choice and receive the policy document at your registered email ID.

Key Features of Health Insurance Policy

Following are the key features of health insurance plans. It is recommended to compare these features with similar health insurance plans before shortlisting one online.

Sub-Limits on Room Rent - Some insurance companies come with a feature of sub-limits on room rent. This means that there is a maximum amount that an insurance company shall pay in case of a claim. Generally, this limit is up to 1% of the sum insured and a maximum of 2% in case of ICU expenses. But there are several general insurance companies that offer health insurance plans without any sub-limit on room rent. Hence, it is recommended to go for such plans.

Pre-Existing Diseases - Pre-existing diseases are those which you already have been suffering from before buying a health insurance policy. This is why health insurance plans come with a waiting period instead of offering cover since day 1. During this waiting period, no claims are admissible. Hence, you should choose a health insurance policy with a minimum waiting period.

Co-Payment - Co-payment is when the insurance company and policyholder share the cost in case a claim arises. A co-payment can be decided in percentage or in amount. So, to take care of your savings, you must choose a health insurance policy that comes without any co-payment.

Network Hospital - Network hospitals are the hospitals that have tie-ups with health insurance companies where the insured can avail treatment without paying anything at the hospital. The benefit of availing cashless treatment comes with this feature. If a policy does not offer this feature, then you will be required to pay the expenses incurred at the hospital, from your own pocket, and the insurance company will reimburse you for the same later.

So, when choosing a health insurance company, make sure you go with the one that has a high number of network hospitals nearby your place of residence.

Benefits of Comparing Health Insurance Plans Online

Explained below are some benefits of comparing health insurance plans online:

Utmost Ease - It is extremely easy to compare different health insurance plans online. You can compare different plans using InsuranceDekho’s health insurance premium calculator. It is a free tool which makes it easier for you to decide which health insurance policy you must opt for.

Free Quotes - InsuranceDekho’s premium calculator is a free tool that you can use to check quotes and coverage benefits n number of times without having to pay anything.

Convenience - Comparing health insurance plans offline is not as convenient as comparing them online. It would be way too tedious if you have to visit one office to another, get quotes and understand coverage benefits before shortlisting one health insurance policy. Hence, it becomes easier when you compare health insurance plans online.

24*7 Availability - You can compare health insurance plans anytime as per your convenience. Unlike the online process, the offline process has fixed working hours and hence you won’t be able to visit an insurance company’s branch office late at night to compare health insurance plans.

Saves Time - When comparing health insurance plans online, you will not be required to spend so much time filling forms or discussing with agents or executives. All you need to do is fill a quote and several health insurance plans will be displayed on your screen which you can compare easily. This saves you enough time.

Saves Money - Another advantage of comparing health insurance plans online is that it helps you save money as you do not have to visit different offices to compare policies. Also, you get to check even the most low-priced health insurance policies online, which the agents might not recommend you to buy.

Useful Premium Calculator - A health insurance premium not only allows you to calculate premiums of different health insurance plans and customize them as per your budget and requirements but also to compare them. As you change the variables, you will see the premium change. This way, you can choose the most economical health insurance policy for yourself and your loved ones.

Right Coverage - When comparing health insurance plans offline, you may be restricted to a few of them when it comes to understanding the coverage benefits under them. But when comparing them online, you can search for the desired coverage by comparing as many insurance plans as you want.

Power to Choose - You should have the power to make decisions when it comes to your health. Comparing health insurance plans does this job for you as it eliminates any influence from the agents or insurance executives. This way, it also helps you make an informed choice.

Customer Support - You can compare different health insurance plans in a simple manner online. The process is very transparent and you can easily go through the information related to sub-limits, critical illnesses, and sub-limits. If you have any doubts, then you can contact the customer care executives and they will solve your doubts or queries overcall.

Key Factors To Consider Before Buying Health Insurance

In order to make the best buying decision, you must consider the following factors before shortlisting a health insurance policy:

Claim Process - The smoother the claim settlement process of an insurance company is, the better it will be for the insured. This is because if the insurance company is not good at handling the claims of the insured, then it fails the entire purpose of having a health insurance policy. Good customer support is an additional benefit that you must look for.

Family Members to be Covered - You must consider the family members for whom you want coverage. Under family floater health insurance plans, you can seek cover for yourself, your legally wedded spouse, children, parents, and grandparents. You must also keep their age, present ailments, and family medical history in mind. Also, you must be aware of any pre-existing conditions that they have and share with the insurance company, before buying the policy. So, choose a health insurance policy that covers all of them at an affordable premium.

Sum Insured - Sum insured should be chosen wisely as it covers you and your loved ones for medical expenses incurred during the entire policy term. You should look at the income as well as your age to decide the sum insured that you should opt for under your health insurance policy. Make sure to choose a sum insured that is not insufficient as well as the one for which the premium is not too high.

Add-on Benefits - Add-ons are additional benefits that you can include in your health insurance policy, for extensive coverage. You can choose them voluntarily by paying an extra premium at the time of policy purchase.

Network Hospitals - Availing treatment at network hospitals is very convenient as they allow cashless treatment to the insured. This is why you should check the number of network hospitals an insurance company has. It is recommended to choose an insurance company that has a high number of network hospitals. Also, make sure to select the one nearby your place of residence in order to save time in case of an emergency.

Coverage Benefits - One of the most important factors to consider is coverage benefits. Different health insurance plans come with different coverage features which you should choose as per your requirement. Common coverage benefits under health insurance plans include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, daycare expenses, domiciliary expenses, etc.

Lifetime Renewability Benefit - The chances of getting ill in old age are higher and hence if you buy a new health insurance policy at that time, it would cost you comparatively more. Therefore, you must choose a health insurance policy that comes with a lifetime renewability benefit.

Free Medical Check-Up - Many health insurance plans cover you for free medical check-ups. You must check the same before shortlisting a policy.

Waiting Period - The waiting period is the time at which an insurance company does not cover you. This is why you should choose a health insurance policy that comes with the least waiting period. There are different types of waiting periods such as initial waiting period, waiting period for pre-existing illnesses, waiting period for specified illnesses, etc, which you should be informed about, before shortlisting a health insurance policy.

Premium - It is recommended to choose a health insurance policy that comes at an affordable premium so that you are able to continue with the policy for a long period of time without any financial strain. However, choosing a health insurance policy with a low premium is not always advisable as it may not get you enough coverage in case of an emergency.

Type of Policy - To identify which type of health insurance policy you want for yourself or your loved ones, you must evaluate your needs thoroughly. After that, you can choose from different types of health insurance plans available in the market such as individual health insurance plans, family floater health insurance plans, senior citizen health insurance plans, critical illness insurance plans, maternity insurance plans, children health insurance plans, disease-specific health insurance plans, etc.

Exclusions - Exclusions are the conditions for which you cannot make a claim, under your health insurance policy. Hence, when choosing a policy, you must opt for the one with the least number of exclusions. Some common exclusions under health insurance plans are treatment required due to self-harm, treatment required due to participation in adventure sports, etc.

Popular Health Insurance Companies

At present, there are 29 insurance companies which offer health insurance plans in India. Of them, 20 are private general insurance companies, 4 are public general insurance companies, and 5 are standalone health insurance companies.

Top Health Insurance Companies in India 2021

Here is a list of the best health insurance companies compiled on the basis of Claim Settlement Ratio (CSR) registered by them for the financial year 2019-2020.
RankHealth Insurance CompanyHealth Claim Settlement Ratio FY20
1IFFCO Tokio General Insurance96.33%
2Care Health Insurance 95.47%
3Magma HDI Health Insurance95.17%
4The Oriental Insurance Company93.96%
5New India General Insurance92.68%
6Bajaj Allianz General Insurance92.24%
7Max Bupa Health Insurance89.46%
8Navi General Insurance86.98%
9HDFC ERGO General Insurance86.52%
10Manipal Cigna Health Insurance85.72%
11Edelweiss General Insurance85.57%
12National Insurance Company83.78%
13Future Generali General Insurance82.96%
14Royal Sundaram General Insurance81.50%
15Liberty General Insurance81.03%
16ICICI Lombard General Insurance78.67%
17Star Health Insurance78.62%
18United India Insurance Company78.03%
19Reliance General Insurance76.43%
20Tata AIG General Insurance76.04%
21Bharti AXA General Insurance76.01%
22Kotak Mahindra General Insurance75.45%
23Acko General Insurance74.09%
24Aditya Birla Health Insurance70.81%
25Universal Sompo General Insurance70.75%
26SBI General Insurance66.08%
27Go Digit General Insurance63.56%
28Cholamandalam MS General Insurance56.25%
View All

Choose a Health Insurance Plan For

  • Family Health Insurance
  • Senior Citizen Health Insurance
  • Individual Health Insurance
  • Personal Accident Health Insurance
  • Health Insurance for Parents
  • Maternity Health Insurance
  • Children Health Insurance
  • Newborn Baby Health Insurance
  • Self-Employed Health Insurance
  • Women Health Insurance
  • Group Health Insurance

Explore Health Insurance

Read on to explore common health insurance terminologies.
  • COVID-19 Insurance
  • Critical Illness Insurance
  • Health Insurance Renewal
  • Cashless Network Hospital
  • Mediclaim Policy
  • Health Insurance Claim Settlement Ratio
  • Best Health Insurance Plans
  • Health Insurance Companies
  • Health Insurance Calculator
  • Health Insurance Tax Benefit
  • Health Insurance Benefits
  • Grace Period in Health Insurance
  • Arogya Sanjeevani Policy

Benefits of Health Insurance

Health insurance offers a wide array of benefits to the insured. Following are some of the key benefits of a health insurance plan -
  • Comprehensive Coverage

    A health insurance policy keeps you covered for major healthcare expenses incurred in case of medical emergency. Usually, health insurance plans keep you protected for in-patient hospitalisation expenses pre-hospitalisation and post-hospitalisation expenses, ambulance expenses, domiciliary hospitalisation expenses, daycare procedures, organ donor expenses, treatments taken under AYUSH systems of medicines, etc.
  • Lifetime Renewability

    As per the guidelines issued by Insurance Regulatory and Development Authority of India (IRDA), the insurance companies offering health insurance plans are supposed to offer lifetime renewability benefits to the policyholders. It allows you to renew your health insurance policy without any upper restriction on the maximum age limit. The feature is most beneficial for parents and senior citizens as they can renew their insurance plans without any pressure of looking for new health insurance plans in old age.
  • Cashless Treatment

    Insurance companies have tie-ups with certain hospitals, known as network hospitals, where the insured can avail cashless treatment. If you avail treatment at these hospitals, the insurance company will directly settle the bills at the hospital, and you will not be required to pay anything for the treatment availed, except for non-medical expenses incurred.
  • Portability

    Health insurance portability allows the policyholders to switch from their existing health insurance company to another, in case they are not satisfied with their existing health insurance plan, or find a more suitable plan. Portability feature saves the policyholders from being taken for granted and offers them flexibility to switch in case of dissatisfaction.
  • Tax Benefits Under Section 80D of the Income Tax Act, 1961

    The government of India promotes health insurance by offering tax exemptions of up to Rs. 1.5 Lakh on the premium paid for health insurance plans, under Section 80D of the Income Tax Act, 1961. An individual can also claim a deduction of up to Rs. 25,000 for insurance cover for self, spouse, and dependent children. You can also avail a tax deduction of up to Rs. 25,000/Rs. 50,000 for health insurance plans purchased for parents aged 60 years/ more than 60 years.

Why Choose InsuranceDekho For Health Insurance?

We serve as a one-stop platform for all health insurance needs. Following are some of the benefits we offer to our customers.
  • Get Health Insurance Within 5 Minutes
    Get Health Insurance Within 5 Minutes

    InsuranceDekho offers a quick and simple health insurance buying process. At the portal, you can compare and select the best health insurance policy for yourself and your family at best price, within 5 minutes. All you have to do is enter a few personal details and you can be insured in a transparent and hassle-free way.

  • More than 5.5 Lakh Happy Customers
    More than 5.5 Lakh Happy Customers

    InsuranceDekho aims to instill confidence among its customers by putting them at utmost ease when it comes to buying health insurance online. InsuranceDekho, over the years has provided a delightful experience to more than 5.5 Lakh customers who bought health insurance plans offered by popular insurers, from us.

  • Dedicated Customer Support Team
    Dedicated Customer Support Team

    InsuranceDekho has a dedicated team that works 7 days a week to solve all your health insurance related queries and grievances, if any, thereby making the process smooth for you. You can get in touch with us in case of any confusion related to health insurance policy purchase, claim settlement process, health insurance renewal,etc.

Coronavirus Health Insurance

Standard health insurance plans provide coverage for the treatment of coronavirus (COVID-19). However, the treatment of coronavirus involves numerous types of pre-hospitalisation, hospitalisation, post-hospitalisation, and treatment expenses during quarantine. Thus, it is wise to opt for short-term health insurance policies, namely Corona Kavach and Corona Rakash, especially designed to provide coverage only for coronavirus treatment expenses.

Does Your Health Insurance Policy Cover COVID-19 Treatment?

As per the mandate of the Insurance Regulatory and Development Authority of India (IRDAI), all the general insurance companies and health insurance companies offering health insurance plans cover expenses related to COVID-19 treatment, in the existing plans. The regulatory authority issued a circular on March 4 that directed insurance companies offering health insurance plans to include cover for COVID-19, irrespective of which policy the insured is covered for.

If you already have a health insurance policy, then you must note the following:

• An initial waiting period is applied, which is 30 days in most health insurance plans.
• The claim process for COVID-19 is the same in regular health insurance plans like any other medical condition.
• Cover for pre-hospitalisation and post-hospitalisation expenses is offered as per the terms and conditions of the policy selected.

Apart from COVID-19 cover in existing health insurance plans, the IRDAI had also launched COVID-19 health insurance policies namely Corona Kavach and Corona Rakshak policies. Both are short-term health insurance plans that cover families and individuals, wherein the former is an indemnity-based health insurance policy, and the latter is a benefit-based health insurance policy. Both the plans help you feel financially secure in case of a positive diagnosis of COVID-19.

Arogya Sanjeevani Health Insurance Policy

Arogya Sanjeevani Policy is a standard health insurance product which aims to simplify health insurance for people by providing them with a basic and standard plan. An Arogya Sanjeevani Health InsurancePolicy is offered by all health insurance companies with exactly the same benefits. An Arogya Sanjeevani Health Insurance Plan comes with the following features -

  1. No medical check-up up to the age of 45 years
  2. Sum insured between Rs. 1 Lakh to Rs. 5 Lakh
  3. Policy tenure of 1 year with lifetime renewability benefit
  4. No claim bonus of up to 50% of the insurance premium
  5. Waiting period of 30 days for all illnesses except accidents.

What Is The Difference Between Health Insurance And Mediclaim Policy?

In case of medical emergencies, you can avail of insurance coverage benefits by either having a health insurance policy or with a mediclaim policy.

What is Mediclaim?

Mediclaim is a health insurance policy that gives you specified financial protection only for expenses arising due to hospitalisation. It covers you for hospitalisation required due to an accident, in case of sudden illness or surgery, or in case of any surgery during the policy term. Mediclaim is of two types, viz., cashless and reimbursement.

What is Health Insurance?

Health insurance is an insurance cover that provides you complete protection for medical and surgical expenses in case of emergencies. With a health insurance policy, you can avail of cashless treatment or get reimbursement for the amount paid to avail of the treatment covered.

To understand the difference between a health insurance and mediclaim policy, kindly refer to the table below:

Mediclaim Policy

Health Insurance Policy

It covers you only for hospitalisation expenses

It offers a comprehensive cover more than the only hospitalisation. For example, AYUSH treatment expenses, in-patient hospitalisation expenses, pre-hospitalisation, and post-hospitalisation expenses, daycare expenses, etc.

It does not offer an add-on cover

You can choose from different add-on covers as per your requirement, such as hospital cash, critical illness, room rent waiver, etc.

It comes with a limited hospitalisation cover of up to Rs. 5 Lakh

It comes with an extensive hospitalisation cover that may exceed Rs. 5 Lakh, which is decided on the basis of several factors such as age, the number of members covered, pre-existing conditions, etc.

It is not flexible

It is flexible and can be customized as per your budget and requirements

When choosing between a health insurance policy or a mediclaim policy, you must consider the following factors:

  • Your financial condition
  • Your and your family members’ pre-existing conditions if any, age,
  • Add-on covers
  • Sum insured
  • Policy term
  • Members to be covered under a health insurance policy

Health Insurance Coverage

  • What is Covered?
  • What is Not Covered?
  • In-Patient Hospitalisation Expenses

    Expenses incurred due to hospitalisation of 24 hours or more, like nursing and boarding expenses, Nurse’s /Surgeon’s/ Doctor’s/Anaesthetist’s fees, cost of blood, medicines, oxygen, ICU/ICCU expenses, etc.
  • Pre-Hospitalisation And Post-Hospitalisation Expenses

    Expenses arising before and after hospitalisation, for a specific number of days as per the policy terms and conditions. These include expenses related to tests, doctor’s fee, medical reports, etc.
  • Daycare Procedures

    Treatments that do not require hospitalisation of at least 24 hours, are known as daycare treatments. These include cataract, sinusitis, chemotherapy, radiotherapy, etc.
  • Organ Donor Expenses

    Expenses arising due to harvesting the organ from the donor and for the transplant surgery as covered under the policy. The hospitalisation expenses include room rent, doctor’s fee, and other expenses.
  • Domiciliary Hospitalisation Expenses

    Treatment taken at home because of unavailability of hospital beds, or when the insured cannot be shifted to hospital due to health conditions. It covers for treatment that exceeds three days, for any injury or illness
  • Road Ambulance Expenses

    Expenses incurred due to transportation of the insured to the nearest hospital in case of a medical emergency are covered up to a specific limit. The ambulance has all the facilities required to transfer the patient.
  • AYUSH Treatments

    It covers in-patient treatments taken under AYUSH systems of medicines which includes Ayurveda, Yoga, Unani, Siddha, and Homeopathy. The expenses are covered for up to a specific limit.
  • Cosmetic Treatments

    Plastic surgeries, face lifts, nose jobs, cosmetic implants, botox, etc. are not covered under most health insurance plans.
  • HIV/AIDS

    Most health insurance plans do not cover expenses related to treatments for HIV or AIDS.
  • Self-Inflicted Injuries

    Any injury due caused due to self-harm including suicide or attempt of suicide is not covered.
  • Injuries Due to Alcohol or Drug Abuse

    Injuries due to alcohol or drug abuse, or other addictive substances are not covered.
  • Participation in Adventure Sports

    Any treatment required due to participation in adventure sports like mountain climbing, etc. are not covered.
  • Injuries Due to War, Riots

    Injuries due to war, riots, nuclear contamination, and related perils are not covered.
  • Unproven And Experimental Treatments

    Treatments which are unproven, experimental or done solely for the purpose of investigation.
  • Rest Cure, Rehabilitation, And Respite Care

    Expenses related to admission for enforced bedrest and not for treatment.

Health Insurance Riders

Health insurance riders are extra coverages which help you customise your plan and extend its coverage as per your requirements.
  • Critical Illness Cover

    With this add-on, you become eligible to receive a lump sum amount on diagnosis of serious and long-term illnesses such as cancer, stroke, kidney failure, etc. With the amount received, you can make up for the loss of income resulting due to critical illness, pay for debts, if any, or even avail treatment abroad.Some insurance companies provide cover for critical illness as a part of standalone policy, whereas others offer it as an add-on cover, for up to 50 critical illnesses.
  • Maternity Cover

    Maternity add-on cover can be opted under an individual or family floater health insurance policy. If planning a child, then maternity add-on cover works best for you. It provides financial protection against medical expenses arising due to childbirth. Some insurance companies also provide coverage to newborn babies for several healthcare expenses such as vaccination, etc. the add-on cover comes with a waiting period, which may differ from one insurer to another, but generally ranges between 2 years to 4 years.
  • Hospital Cash

    The add-on cover of hospital cash provides you cover all the non-medical and out of pocket expenses arising during hospitalisation, that are not covered under the health insurance plan. The policyholder gets daily cash allowance as per the limit specified in the policy document, for a particular policy year. Different insurance companies offer different coverage amounts for daily hospital cash benefit, but it generally ranges between Rs. 500 to Rs. 5,000 per day.
  • Room Rent Waiver

    The type of room you choose at the time of hospitalisation, reflect majorly in your hospital bills. A standard health insurance plan comes with a limit on the per day charges of the room. This means that the extra charges incurred due to change in the type of room, let’s say from general room to a deluxe room, will have to be borne by the insured. But with the room rent waiver add-on, you can opt for any room of your choice and you will not be charged anything extra, as it provides you for extra cost during your stay.
  • OPD Cover

    OPD (outpatient department) refers to that department of a hospital wherein a patient is required to simply visit it to avail the required treatment and pay the consultation fees to the doctor, instead of getting admitted as a daycare patient. Generally, health insurance plans do not cover you for OPD expenses, but with this add-on cover, you can secure yourself from expenses arising due to the same. The add-on covers you for the cost of medicines, consultation fees, pathological tests, etc
  • Personal Accident Cover

    Considering the rising number of road accidents in India, personal accident add-on cover is a good choice as it offers financial protection in case the insured meets an accident, which results in outcomes such as permanent total disablement, permanent partial disablement, total disablement, or in case of death due to accident. You can opt for this add-on along with a base health insurance policy voluntarily, by paying an extra premium at the time of policy purchase.
  • International Second Opinion Cover

    International second opinion add-on cover provides you the option to consult international doctors before availing the required treatment. You can use this add-on cover in case you are not satisfied with the diagnosis. Choosing this add-on is an empowering method for the insured as they can review the treatment advice and recommendations offered for a particular illness. It will help the insured get insights on additional treatment options and be doubly sure of the treatment they require.
  • Air Ambulance Cover

    This add-on cover helps transfer the sick/injured insured person, to the nearest hospital, in case of domestic as well as international emergency, as per the terms and conditions specified by the insurance company. This add-on cover saves lives in different scenarios like if you require specialised medical treatment during transportation, if you require to be transported in a swift manner on getting injured when visiting a remote area, or require transportation for medical treatment, if cannot be transported via road.
  • Reduction in Pre-Existing Diseases Waiting Period

    Health insurance plans usually come with a waiting period for pre-existing diseases of 48 months. But with add-on cover of reduction in pre-existing waiting period, you can get the waiting period reduced, from let’s say 48 months to 24 months. The period of reduction of waiting period may vary from one insurance company to another. You can get this add-on by paying some extra premium. It does require pre-medical check-up though, to be eligible for this add-on cover.

Which Health Insurance Policy Should You Buy?

There are several health insurance plans in India that you can choose from, at the time of policy purchase. These are individual health insurance plans, family floater health insurance plans, senior citizen health insurance plans, critical illness insurance plans, maternity insurance plans, hospital daily cash etc.

If you have a big family or one with senior parents, then an individual health insurance policy is recommended as a family floater policy might not be sufficient for you. You can also buy a separate senior citizen health insurance policy for parents in this case.

Whereas a family floater health insurance policy is recommended for a young couple or a small family. Kindly note that when going for a family floater health insurance policy, you must choose a higher sum insured so that it is sufficient for all family members.

When choosing which type of health insurance policy you should buy, you must consider a few things other than just the premium. The right approach will be to seek maximum coverage for all the family members at the most affordable premium. It is recommended to do enough research in order to zero down the most suitable health insurance policy for yourself and your family.

Also, once you decide which health insurance policy to buy, you can also add add-on covers to it for extensive coverage. It is not mandatory to buy add-on covers but you can include them in your policy voluntarily at the time of policy purchase, by paying an extra premium. Some popular add-ons offered under health insurance plans are room rent waiver, hospital daily cash, second e-opinion, critical illness cover, air ambulance cover, etc.

Why Buy A Health Insurance Plan at An Early Age?

Following are the reasons why it is recommended to buy health insurance at an early age:

Lower Premium - As you age, you are required to pay higher health insurance premiums. This is because, in old age, you have a higher possibility of getting ill, due to a weaker immune system. For instance, a person aged 20 years will be required to pay a lesser health insurance premium than someone aged 52 years, due to lesser health issues involved.

Lesser Exclusions - Many health insurance plans come with restrictions on coverage offered, due to which you may not be able to avail full-fledged cover on buying a policy in later years of life. But if you buy a health insurance policy at an early stage in life, when you do not have any health condition, then you will be able to enjoy a full-fledged health cover.

No Health Check-Up - Another reason why buying health insurance at an early stage in life is recommended is because you would not be required to undergo a medical check-up then. But if you buy the policy in old age, let us say 50 years, then most health insurance companies will ask you to undergo the same. Also, in case there is a health condition in the medical test results, then you might be required to pay a higher premium due to higher chances of hospitalisation involved.

No Claim Bonus - You will be able to start accumulating No Claim Bonus early on by buying a health insurance policy timely. You can use this NCB in the later years of life when you might be more vulnerable to illnesses and may need to make a claim. But if you buy the policy during later years of life, then you would not be able to enjoy such increased coverage.

Aligned Finances - If you buy a health insurance policy at a young age, then you have time to plan your finances for a long term. But if you buy it in later years of life, then financial planning may go haywire. Hence, it is recommended to buy a health insurance policy when young so that financial planning can be started early, and also that you are prepared for emergencies irrespective of their magnitude.

Waiting Period - Health insurance plans come with waiting periods for specific conditions, cover for some of which you may require in old age. The advantage of buying health insurance plans when young is that you can complete the waiting period early and avail of the coverage benefits when you actually require them.

Rejections - As you will be more prone to illnesses in your old age, therefore there are higher chances of your health insurance application getting rejected then. Therefore, buying health insurance plans when young is recommended so that there are lesser chances of your application getting rejected.

Pre-Existing Conditions - When you buy a health insurance policy in later years of life, then there are chances that you may already be suffering from pre-existing diseases. But then, you will be required to complete a waiting period to get coverage benefits for the same. On the other hand, if you buy the policy when young, then by the time you may need cover for pre-existing illnesses, you would already have completed the waiting period and will be able to avail the required coverage.

Tax Benefits of Health Insurance

Every HUF can claim tax benefits, under Section 80D of the Income Tax Act, 1961, on the premium paid for health insurance plans. You can avail of tax benefits on the premium paid for yourself and your family members including spouse, dependent children, or parents.

The deduction from the total income can also be availed on the premium paid for top-up health insurance plans as well as critical illness plans, apart from regular health insurance plans.

To understand the amount of deduction currently available to an individual taxpayer in different scenarios, refer to the table below:

Situations

Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children

Parents

When the policyholder and parents are aged below 60 years

Rs. 25,000

Rs. 25,000

Rs. 50,000

When the policyholder and family members are aged below 60 years with parents aged above 60 years

Rs. 25,000

Rs. 50,000

Rs. 75,000

When the policyholder, family members, and parents are more than 60 years of age

Rs. 50,000

Rs. 50,000

Rs. 1,00,000

Members of the HUF (Hindu Undivided Family)

Rs. 25,000

Rs. 25,000

Rs. 25,000

Non-Resident Individuals (NRIs)

Rs. 25,000

Rs. 25,000

Rs. 25,000

Understand Terms Included in Your Health Insurance Policies

Explained below are terms that you must know in order to understand your health insurance policy better:

Co-Payment - Health insurance plans reimburse you for the healthcare expenses during a treatment that is covered under the policy. But if the insured, as well as the insurance company, share the expenses at the time of claim, then it is a case of co-payment. Generally, health insurance plans with a co-payment clause come at comparatively lesser premiums. Mostly, this feature can be seen in senior citizen health insurance plans.

No Claim Bonus - It is a reward that an insurance company gives to the insured for not making a claim in a particular year. For instance, an increase in the sum insured by a fixed percentage according to the policy, not more than 50% of the sum insured, if the policy has been renewed continuously.

Deductible - Deductible is similar to co-payment. It is a fixed amount in rupee terms that are shared by the policyholder, and not the insurance company, at the time of claim. It is, however, decided by the insurance company if the insured is required to pay this amount per year, per life, or per event.

Dependents - Dependents are family members of the insured who are financially dependent on him/her. These can be a legally wedded spouse, and unmarried children (natural or adopted).

Exclusions - Every health insurance policy comes with a list of conditions that the insurance company will not cover the insured for, during the policy term. These are known as exclusions. Some common exclusions under health insurance plans are treatments required due to participation in adventure sports, Injuries due to self-harm, insured committing a breach of law, etc.

Grace Period - The grace period is a specific period starting immediately after the expiry of the due date or premium payment, given to the policyholder to pay the premium to continue availing coverage benefits under the policy. If the premium is paid during this period, then you can continue availing of the policy benefits. But if the premium is not paid even during the grace period, then your policy will lapse and you will lose all the accumulated benefits. Hence, it is recommended to keep renewing health insurance plans when the premium is due.

Insurer - The insurance company.

Premium - A fixed amount to be paid periodically in order to keep availing of health insurance policy benefits.

Policy - It is a legal contract between an insurance company and the insured, that contains all the terms and conditions of the insurance.

Pre-Existing Disease - It is any condition, ailment, or injury for which the insured already had symptoms, within 48 months prior to buying a health insurance policy. Generally, pre-existing conditions are covered by the policy after a specific waiting period. Hence, it is recommended to disclose pre-existing diseases, if any, to avoid any hassle at the time of claim settlement.

Network Hospital - Every insurance company has a tie-up with hospitals wherein the insurer can avail cashless treatment. These hospitals are known as network hospitals. It is recommended to choose an insurance company with a high number of network hospitals, for utmost convenience in case of an emergency strike in the future.

Portability - Portability is an individual health insurance policyholder’s right that allows him/her to switch from one insurer to another or from one health insurance policy to another of the same insurer if the policy was maintained without any lapse. Portability allows you to transfer the accumulated benefits as well such as waiting for period benefits, NCB, etc.

Sum Insured - It is the payout amount that an insurance company is liable to pay to the insured in case of a claim. For instance, if the sum insured of a health insurance policy is Rs. 5 Lakh and the hospitalisation expenses incurred are Rs. 2 Lakh, then the insurance company will cover the expenses. But if the expenses exceed the sum insured limit, then the insured will have to bear the remaining expenses.

Waiting Period - This is a fixed time period for which the insurer does not cover you, even after the commencement of the policy term. Waiting periods can be of different types such as initial waiting period, waiting period for specific diseases, waiting period for pre-existing diseases, etc. The waiting period is calculated from the date of commencement of the policy.

Free Look Period - Free look period is the time that an insured gets to understand his/her health insurance policy better. During this period, if not satisfied, the insured can cancel the policy.

How To Calculate Health Insurance Premium Online?

Getting an estimate of your health insurance policy is very easy and convenient with a health insurance premium calculator. The tool evades the tedious task of calculating health insurance premiums by doing it for you within a few minutes. It is a free tool that you can use not only to calculate premiums but to compare different health insurance plans to shortlist the most suitable one as per your requirements and budget.

The tool does the calculation after considering several factors such as BMI, age, income, lifestyle, gender, members to be covered under the policy, etc. You must note that the premium is decided on the basis of these factors and hence you must provide the correct information to avoid any discrepancy in premium calculation.

To use a health insurance premium calculator, you must follow the below-mentioned steps:

• Visit InsuranceDekho and click on ‘Health’.
• Fill in your personal details as required in the form. You will be required to enter your name, Age, Gender, City, Mobile Number, Email ID, Members to be covered, etc. Then click on ‘View Instant Quote’.
• As per the information entered, you will see the most suitable health insurance plans displayed on your screen with their premiums.
• From them, you can select the most suitable one as per the premium and coverage benefits offered.

What Are The Factors That Affects Health Insurance Premium?

There are several factors that decide the health insurance premium for an individual for a particular health insurance policy. These are explained below:

Age - Generally, companies offering health insurance plans follow the rule-higher the age, the higher the premiums. This is because, in old age, people are more vulnerable to illnesses, which increases their chances of making health insurance claims. Hence, the higher the age, the higher the premiums, and vice versa.

Past Medical History - If you have a history of any medical condition, then you will have a higher chance of hospitalisation and hence you will be required to pay a higher health insurance premium. But if there is no history of a medical condition, then you will be charged a comparatively lesser premium.

Lifestyle Habits - Lifestyle habits such as excessive smoking or drinking deteriorate your health and make you more prone to illnesses. If you follow this lifestyle, then you may be at higher health risk and hence will be more likely to make a claim. This is why your health insurance premium will be higher as compared to someone who does not smoke or drink regularly.

Policy Term - Policy term is another crucial factor that decides the premium for a health insurance policy. You can choose from different policy terms such as 1 year, 2 years, or 3 years, according to its terms and conditions. The higher the policy term you opt for, the higher premium you will be required to pay, due to the higher coverage offered.

Add-On Covers - You can include add-on covers to your health insurance policy for extensive coverage. For this, you will be required to pay an extra premium at the time of policy purchase. The greater the number of add-ons covers you buy, the higher premium you will be required to pay for it.

Co-Payment - Premiums for health insurance plans that come with a co-payment clause are generally low, due to the cost-sharing involved. Therefore, if you choose a health insurance policy with a co-payment option, then you will be required to pay a lesser premium and vice versa.

Body Mass Index - If your Body Mass Index is higher than normal, then you will be at higher risk of suffering from health issues. This is why your premium will be high. But if it is normal, then you will be charged a lesser premium.

How To File A Health Insurance Claim?

Claim under a health insurance policy can be made in two ways - in a cashless manner and in a reimbursement manner. A cashless claim is when you receive treatment at a network hospital of the insurance provider who is servicing your policy. If the claim request is accepted, the insurance company directly settles the bills at the hospital. Whereas in reimbursement claims, you are required to pay for the hospital bill from your own pocket first, and make a claim request with the insurance company later. The insurance company will process your claim and reimburse you for the same after accepting the claim. You can make a health insurance claim by following the simple steps given below:

  • Step 1: Visit the network hospital or the hospital of your choice and inform the insurance company about the hospitalisation.
  • Step 2: Fill the pre-authorization form at the hospital’s TPA (third-party administrator) desk.
  • Step 3: You will receive an approval letter by the claim management team.
  • Step 4: Respond to the query raised by the claim management team, if any.
  • Step 5: Avail the required medical treatment.
  • Step 6: The insurance company will directly settle the bills at the network hospital as per the terms and conditions mentioned in your policy.

Documents Required For Health Insurance Claim Reimbursement

Listed below are the documents required in case of reimbursement claim:

• Valid identity proof.
• Duly signed and completed original claim form.
• Doctor’s prescription recommending hospitalisation.
• Original pharmacy bills.
• Original prescription for medicines, consultation, and diagnostic tests.
• Indoor case papers.
• Ambulance receipt.
• First Information Report (FIR), if applicable.
• Policy details with the insured person(s) name, policy number, illness, and address.
• Any other document if required by the insurer.

Listed below are additional documents required in case of a cashless claim:

• Pre-authorization form.
• Valid identity proof along with a photograph.
• Documents like voter ID card, driving license, PAN card, and Aadhar card.

Am I Eligible to Buy a Health Insurance Plan?

Eligibility Criteria to Buy Health Insurance

Eligibility Criteria to Buy Health Insurance

Buying a health insurance policy is essential because medical care, especially in the private sector is expensive and can burn a hole in your pocket. To avoid a tough situation during medical emergency or illness, paying a small annual premium can certainly help to lessen your stress.

You can easily purchase a good insurance plan online that usually covers expenses incurred towards doctor consultation fees, ambulance services, hospitalization to a certain extent. Here are the eligibility criteria-

  • Entry age for adults- 18-65 years (exclusive plans are provided for people above 70 years of age.)
  • Entry age for children-90 days-18 years.

Buying a health insurance policy during early age can be cost-effective as one might not necessarily have to undergo medical tests conducted by the insurers.

Eligibility Criteria to Buy Health Insurance

Documents Required to Buy Health Insurance Online

Documents Required to Buy Health Insurance Online

There are a few documents that you must be able to show to buy a health insurance policy online. These are-

  • Age proof: Either of the following-Birth Certificate, 10th or 12th mark sheet, Driving License, Passport, Voter’s ID, etc.
  • Identity proof: Either of-Passport, Driving License, Voter ID, PAN Card, Aadhar Card, which proves one’s citizenship.
  • Address proof: Either of-Electricity bill, Ration Card, Telephone Bill, Passport, Driving License with your permanent address clearly mentioned on it.
  • Medical check-up: Some plans require health check-up to ensure that the individual is not suffering from any chronic illness.
Documents Required to Buy Health Insurance Online

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Some Myths About Health Insurance

Due to lack of knowledge and understanding, people in India have a lot of misconceptions when it comes to health insurance. These misconceptions should be cleared in order to make the best buying decision. Here are some common myths and reality behind them:

Myth 1: Health insurance is not required when young and healthy

Reality: The ideal time to buy health insurance is when you are young and healthy. This is because if you buy a health insurance policy at a young age, then you will be able to get the cover at an affordable premium as the risk of getting hospitalised then is minimum. Also, health insurance plans come with waiting periods during which no claims are admissible. On buying health insurance when healthy, you can complete this waiting period without any worries as you may not need to make a claim then.

Myth 2: I will only be covered for hospitalisation

Reality: It is true that health insurance plans cover you for hospitalisation expenses only when the hospitalisation of at least 24 hours takes place. But it is not true that the plans only cover you for these expenses. In most cases, they also cover you for daycare procedures such as sinusitis, radiotherapy, chemotherapy, etc, which do not require hospitalisation of at least 24 hours. Other expenses covered are OPD expenses, road ambulance expenses, second medical opinion, medical check-up, etc.

Myth 3: People who smoke cannot be covered under any health insurance policy

Reality: You can still buy a health insurance plan even if you are a smoker. But health insurance companies are concerned about pre-existing conditions, which may even lead to the cancellation of your health insurance application form. So, if there is any pre-existing condition due to smoking, then you must disclose the same to your insurer. It will not deny you the policy but may charge you a higher premium because as a smoker, you will be more prone to illnesses.

Myth 4: Health insurance plans are bought to save taxes

Health insurance plans do not only help you save taxes as per the prevalent tax laws but most importantly, cover you for healthcare expenses, which may help you save even more in the long term.

Myth 5: It is not safe to buy health insurance plans online

It is completely safe as well as quick to buy health insurance plans online at reliable platforms such as InsuranceDekho. All you need to do is fill a quote, compare the most suitable health insurance plans from the ones displayed on the screen, shortlist the one you wish to buy for yourself and your family, and pay the premium online via a secured payment gateway. These are different premium payment modes like Credit card, Debit card, or e-wallets that you can choose as per your convenience.

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Frequently asked questions (FAQ’s)

  • 1

    What is a health insurance policy?

    Health insurance policy is an agreement whereby an insurance company agrees to undertake a guarantee to compensate the insured for medical expenses in case of a medical emergency. A health insurance policy protects the insured for several surgical expenses, critical illnesses, and daycare expenses, for a policy term, for up to the sum insured limit. 

  • 2

    Can I purchase more than 1 health insurance plan? How are the claims settled in this case?

    Yes. You can be covered under more than one health insurance plan. In this case, the claims are settled as per the contribution clause, when the claim is higher than the sum insured for one health insurance policy. 

  • 3

    Can I increase the sum insured under my existing health insurance policy?

    Yes. You can increase the sum insured under your existing health insurance policy at the time of renewal, provided the policy comes with greater sum insured options. 

  • 4

    Why should I buy a health insurance policy?

    A health insurance policy not only protects the insured financially for future, but also offers relief in the present. Lifestyle habits such as drinking, smoking, or sedentary lifestyle invite health  issues, which can be minor or serious, may be expensive to treat. To stay financially protected in such times, you need a reliable health insurance plan that covers you at all times. Apart from this, buying a health insurance policy also reduces your overall tax liability by allowing you tax deductions on the premium paid, under Section 80D of the Income Tax Act, 1961.

  • 5

    What are the different types of health insurance plans available in India?

    There are 7 types of health insurance plans available in India. These are individual health insurance plans, family floater health insurance plans, senior citizen health insurance plans, disease-specific health insurance plans, critical illness insurance plans, maternity health insurance plans, and group health insurance plans. At InsuranceDekho, you will find a wide variety of all these plans from popular insurance companies, that serve varied requirements of different customers across India.  

  • 6

    How is health insurance premium determined?

    Different health insurance plans have different premiums. The insurance companies determine premiums after considering various factors that are explained below: 

    1. Type of Insurance Plan: Your health insurance premium is based on the type of plan you choose. If you choose a critical illness insurance plan, then the premium will be high. If you choose an individual health insurance policy, then the premium will be different from that of a family floater plan. To know the difference in health insurance premiums, you can use InsuranceDekho’s health insurance premium calculator.  

    2. Age of the Insured: With age, you become more prone to health issues and are more likely to make health insurance claims. Therefore, you are required to pay higher premiums if you buy health insurance plans in later stages of life. This is why it is recommended to buy health insurance policy when young. 

    3. Policy Term: Most health insurance plans come for a period of 1 year, 2 years, or 3 years. Greater the policy term you choose, the greater will be your coverage, and hence higher will be your health insurance premium, and vice versa. 

    4. Lifestyle Habits: If you drink alcohol or smoke regularly, then you may be denied health insurance completely. However, there are some insurance companies that cover you for the same, for which they charge high premiums. This is because, with these lifestyle habits, you are more prone to health issues.   

    5. Family Medical History: Before deciding your health insurance premium, the insurance company will ask about your family medical history. This is because if someone in your family has a certain disease that you are also vulnerable to, then the insurance company will charge you a higher premium due to increased risk.  

    6. Sum Insured: Health insurance plans come with different sum insured options that you can choose from as per your budget and requirement. The higher the sum insured, the higher the medical coverage and hence higher the health insurance premium. But it is not recommended to compromise on the sum insured to save on premiums. This is because it will not cover you adequately in the time of need.  

  • 7

    Can I cancel my health insurance policy? If yes, will I get a refund for the same?

    Yes. You can cancel your health insurance policy. Every health insurance company provides you a free look period to understand the policy terms and conditions. During this period, if you find any objectionable clause in your health insurance policy, then you can cancel the policy and ask for a refund. Note that you will receive the refund only if no claim has been made during the policy term. The amount of refund will be calculated after taking into consideration the expenses incurred on medical check-ups, stamp duty, and proportionate risk premium, i.e. the number of days you have been covered for risks under the policy. To know more about a premium refunds, it is recommended to go through the policy document.   

  • 8

    How can I renew my health insurance policy?

    It is imperative to renew your health insurance policy to avail continued coverage, and save on accumulated benefits such as waiting period benefits and No Claim Bonus (NCB). You can easily renew your health insurance policy by following the simple steps given below: 

    Step 1: Visit the website of the insurance company and navigate to the ‘Health Insurance Renewal’ page.
    Step 2: Enter the required details such as health insurance policy number and the registered mobile number.
    Step 3: Check the policy details displayed and renewal premium. 
    Step 4: Pay the required health insurance premium via Credit card/Debit card or Net Banking. 

  • 9

    What if my health insurance policy lapses when I am hospitalised?

    There can be two situations. First, where you get hospitalised before the policy expiry date and notify the insurance company before the policy lapses, and the policy lapses when you are still in the hospital. In the second situation, you may be hospitalised during the grace period, the policy lapses then, and you inform the insurance company about the same during the grace period. In both cases, the insurance company will compensate for the coverage availed, as per the terms and conditions stated in the policy document. 

  • 10

    Can I avail coverage benefits if I get hospitalised for less than 24 hours?

    Yes. Most health insurance plans cover you for medical treatments that do not require hospitalisation of at least 24 hours. These are known as daycare procedures. Daycare treatments are performed under local or general anaesthesia in a clinic, hospital, or daycare center. Some daycare treatments that health insurance plans cover you for are chemotherapy, eye surgery, sinusitis, dialysis, angiography, etc.  

*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - support@insurancedekho.com ; Helpline number: 7551196989.
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