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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.

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Disclaimer: Actual Premium might vary basis your location, age and number of members

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

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
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 80 Lacs+ 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
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.

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.

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.

Rank	Health Insurance Company	Health Claim Settlement Ratio FY20
1	IFFCO Tokio General Insurance	96.33%
2	Care Health Insurance	95.47%
3	Magma HDI Health Insurance	95.17%
4	The Oriental Insurance Company	93.96%
5	New India General Insurance	92.68%
6	Bajaj Allianz General Insurance	92.24%
7	Max Bupa Health Insurance	89.46%
8	Navi General Insurance	86.98%
9	HDFC ERGO General Insurance	86.52%
10	Manipal Cigna Health Insurance	85.72%
11	Edelweiss General Insurance	85.57%
12	National Insurance Company	83.78%
13	Future Generali General Insurance	82.96%
14	Royal Sundaram General Insurance	81.50%
15	Liberty General Insurance	81.03%
16	ICICI Lombard General Insurance	78.67%
17	Star Health Insurance	78.62%
18	United India Insurance Company	78.03%
19	Reliance General Insurance	76.43%
20	Tata AIG General Insurance	76.04%
21	Bharti AXA General Insurance	76.01%
22	Kotak Mahindra General Insurance	75.45%
23	Acko General Insurance	74.09%
24	Aditya Birla Health Insurance	70.81%
25	Universal Sompo General Insurance	70.75%
26	SBI General Insurance	66.08%
27	Go Digit General Insurance	63.56%
28	Cholamandalam MS General Insurance	56.25%

View All

Choose a Health Insurance Plan For

Family Health Insurance
A family health insurance policy is meant for the entire family. The policy can cover all the family members under a single sum insured, which is divided among all the members and can be availed by all of them or one member of the family, as per the need arises. Apart from self, a family floater insurance policy can include a legally-wedded spouse, dependent children, parents, parents-in-law, etc., and other relationships, varying from one insurance policy or insurer to another.
Senior Citizen Health Insurance
Senior citizen health insurance plans are designed for senior citizens, parents, or individuals aged more than 60 years to protect them against financial expenses arising because of health issues during old age. Some common coverage benefits offered under senior citizen health insurance plans include expenses related to daycare procedures like chemotherapy, cataract; pre-existing disease cover, cashless hospitalisation, in-patient hospitalisation expenses, pre-hospitalisation expenses, etc.
Individual Health Insurance
Individual health insurance is a type of health insurance plan wherein only an individual, i.e. the policyholder is entitled to receive coverage benefits, in return for the premium that he/she has paid. Under this type of policy, the policyholder is covered on an individual sum insured basis, where he/she can claim up to the sum insured in case of hospitalisation of at least 24 hours. An individual health insurance policy covers the insured for most healthcare needs and is hence, a wise choice.
Maternity Health Insurance
Maternity insurance plans cover all expenses up to a specific predefined limit in case of delivery. These plans protect you for financial expenses incurred due to normal as well as C-section deliveries. Maternity insurance plans offered by some insurance companies also cover you for prenatal and postnatal expenses and newborn baby expenses. Maternity insurance plans usually come with a waiting period, thus you should not delay their purchase if you are planning your family.
Children Health Insurance
As children have weak immune systems, they are more prone to illnesses. Therefore, it is important for them to be covered under reliable health insurance plans. Not many insurance companies offer standalone health insurance plans for children. But they can seek cover under an individual health insurance plan or a family health insurance plan. These plans cover them for major healthcare expenses like hospitalisation expenses, ambulance expenses, daycare treatments, critical illnesses, etc.
Newborn Baby Health Insurance
New born babies require extra care and attention when it comes to their health. Therefore, they need adequate health insurance cover that covers them for basic healthcare expenses. One can add newborn babies on an individual basis or family floater basis, under individual health insurance plans or family floater health insurance plans. These plans cover the newborn babies for hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, vaccination expenses, amongst others.
Self-Employed Health Insurance
Health insurance for self-employed professionals offer financial protection in case of accidental emergencies requiring medical treatment and hospitalisation. As self-employed individuals do not work in a public or private sector, therefore they cannot get group health cover. These workers include farmers, retailers, freelancers, small traders, domestic workers, etc. Hence, they need separate cover under individual or family floater health insurance plans.
Women Health Insurance
Women's health insurance plans cater to the varied health insurance needs specifically of women. There are, however, not many health insurance plans designed especially for women but there are many insurance companies to have attempted to create them. These plans can be purchased at affordable health insurance premiums for the sum insured as per the requirement and budget of the potential policy buyer. These plans cover women against several medical expenses including critical illnesses.
Group Health Insurance
A group health insurance policy is especially designed for a group of employees who work together. Provided to the employees by their employers as a benefit, a group health insurance policy comes at a low premium. Under a group health insurance policy, you get covered for hospitalisation due to an illness, sickness, accident, critical illness, as well as maternity. Note that the employees are covered under a group health insurance policy only until they are working for a particular organisation.
Personal Accident Health Insurance
Personal Accident health insurance covers the insured in the misfortune event of an accident (rail/road/air) that may be lethal or cause disability or mutilation. These plans not only cover the insured for healthcare expenses, but also for loss of income, in some cases, that occurs due to accidents. Common benefits offered under these plans include accidental death cover, permanent/total disability cover, temporary total disability, hospital cash benefit, transportation of mortal remains, etc.

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.

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.

View More Questions

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

What is Health Insurance?

Health Insurance Calculator

Whom do you want the insurance for ?

Where do you live ?

Choose required Coverage for yourself?

How to Buy Health Insurance Plan Online?

Why Choose InsuranceDekho For Health Insurance?

Benefits of Health Insurance

Comprehensive Coverage

Lifetime Renewability

Cashless Treatment

Portability

Tax Benefits Under Section 80D of the Income Tax Act, 1961

Top Health Insurance Companies in India 2021

Choose a Health Insurance Plan For

How To File A Health Insurance Claim?

Frequently asked questions (FAQ’s)

What is a health insurance policy?

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

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

Why should I buy a health insurance policy?

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