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

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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.

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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 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.

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.

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.
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
  • Maternity Health Insurance
  • Children Health Insurance
  • Newborn Baby Health Insurance
  • Self-Employed Health Insurance
  • Women Health Insurance
  • Group Health Insurance
  • Personal Accident Health Insurance

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.  

  • 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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