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A health or medical insurance policy covers your medical expenses for illnesses and injuries including hospitalisation, daycare procedures, ambulance charges, medical care at home, medicine costs, and more. It protects the individuals and families from financial burden arising from unexpected medical expenses. Additionally, it helps you save taxes under section 80D of the Income Tax Act, 1961.

Key Highlights

Wide range of Plans & Companies (134 Plans and 22 Companies)

Wide range of Plans & Companies

(134 Plans and 22 Companies)

Free advice to help choose best plan (Guaranteed assistance with guidance)*

Free advice to help choose best plan

(Guaranteed assistance with guidance)*

24 x 7 Claim Support (We are there for the time of your need to support in claim processing)*

24 x 7 Claim Support

(We are there for the time of your need to support in claim processing)*

Flexible payment options (Ability to buy 3 year plan as well as monthly EMI options)

Flexible payment options

(Ability to buy 3 year plan as well as monthly EMI options)

1 lakh+ Families insured/Happy customers (Hear genuine customer’s opinion & their experiences)

1 lakh+ Families insured/Happy customers

(Hear genuine customer’s opinion & their experiences)

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Best Health Insurance Plans In India

Care Supreme Discounted

Care Supreme Discounted

Care Health Insurance Limited

Cover Amount

5 Lakh

Starting at

615/month

  • No room rent limit
  • Unlimited restoration benefits
    • View More Features
Reassure 2.0 Titanium+ (Direct)

Cover Amount

5 Lakh

Starting at

628/month

  • No room rent limit
  • 100% no claim bonus
    • View More Features
Comprehensive Individual

Cover Amount

5 Lakh

Starting at

708/month

  • Single Private A/C Room
  • 100% restoration benefits
    • View More Features
Active One Max

Active One Max

Aditya Birla

Cover Amount

5 Lakh

Starting at

517/month

  • No room rent limit
  • 100% no claim bonus
    • View More Features
Elevate

Elevate

ICICI Lombard

Cover Amount

5 Lakh

Starting at

441/month

  • Single Private A/C Room
  • 20% no claim bonus
    • View More Features
Health Gain Plus

Cover Amount

5 Lakh

Starting at

447/month

  • No room rent limit
  • 33% no claim bonus
    • View More Features

Significance of having a health insurance policy

Following are some significant benefits of a comprehensive health insurance plan

Significance Financial Security A health insurance policy can free you and your family from the financial burden that comes with a medical emergency, illness or health issues

Financial Security

A health insurance policy can free you and your family from the financial burden that comes with a medical emergency, illness or health issues

Significance Peace of Mind Once you and your loved ones are covered under a health insurance plan, you will have peace of mind and can focus on getting the right treatment stress-free.

Peace of Mind

Once you and your loved ones are covered under a health insurance plan, you will have peace of mind and can focus on getting the right treatment stress-free.

Significance Access to Quality Healthcare Services With the rising expenses of medical treatments, a health insurance policy can provide access to better quality healthcare services.

Access to Quality Healthcare Services

With the rising expenses of medical treatments, a health insurance policy can provide access to better quality healthcare services.

Significance Altering Lifestyle Having health insurance can shield you from diseases that may arise due to an altering lifestyle as with our current lifestyle we are faced with severe illnesses.

Altering Lifestyle

Having health insurance can shield you from diseases that may arise due to an altering lifestyle as with our current lifestyle we are faced with severe illnesses.

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Significance Choosing a Health Insurance Plan - Factors to Consider

Choosing a Health Insurance Plan - Factors to Consider

Sum Insured

Sum Insured is the maximum amount or total financial coverage given to you in a single policy year for hospitalisation and medical expenses.

Claim Settlement Ratio

The ratio between the number of claims settled to the number of claims raised in a given year by your insurance provider is called the health claim settlement ratio.

Network Hospitals

Network hospitals help you in getting cashless treatment conveniently as these hospitals have tie-ups with your insurer.

Know more about Network Hospitals

Inclusions and Exclusions

Inclusions are the conditions for which you can make a claim, exclusions are the conditions for which you cannot make a claim.

Waiting Period

Waiting period refers to the period during which you cannot raise any health insurance claim, (usually, min. 30 days from the day of taking insurance).

Add-on or Rider Benefits

Add-ons are supplements you can choose voluntarily by paying an extra premium at the time of your policy purchase.

Factors That Affect Health Insurance Premium

There are various factors that affect your health insurance premium, here are the ones that matter the most:

It goes like a thumb-rule in the insurance space, that the higher your age, the higher the premium. It is advisable to take health insurance early on since the premium increases with age owing to the fact that the chances of illness increases with age.

Types of Health Insurance Policies

There are various kinds of health insurance policies available in the market that you can choose depending on your requirement and budget. Below are the list of the plans for your reference:

Individual Health Insurance Plan Policy that covers a single person in case of hospitalisation and medical bills

Individual Health Insurance Plan

Policy that covers a single person in case of hospitalisation and medical bills

Eligibility - Individuals

Family Floater Health Insurance Plan Policy that covers multiple family members under a single plan

Family Floater Health Insurance Plan

Policy that covers multiple family members under a single plan

Eligibility - Family (including spouse, parents and children)

Senior Citizen Health Insurance Plan Policy that covers individuals above the age of 65 years

Senior Citizen Health Insurance Plan

Policy that covers individuals above the age of 65 years

Eligibility - Individuals above the age of 65 years

Critical Illness Insurance Plan Policy covering an individual for expensive treatment of critical illnesses such as cancer

Critical Illness Insurance Plan

Policy covering an individual for expensive treatment of critical illnesses such as cancer

Eligibility - Individuals

Group Health Insurance Plan Policies that usually covers a group of people within an organisation or corporate structure

Group Health Insurance Plan

Policies that usually covers a group of people within an organisation or corporate structure

Eligibility - Group of people such as within a corporate ecosystem

Top-up Health Insurance Plan Policies that help individuals, groups, or family to upgrade their plan and provide additional coverage at a certain additional cost

Top-up Health Insurance Plan

Policies that help individuals, groups, or family to upgrade their plan and provide additional coverage at a certain additional cost

Eligibility - Everyone (individuals, group, family)

Personal Accident Cover Plan Policies for individuals who are looking at ensuring a cover for accident or death due to accident

Personal Accident Cover Plan

Policies for individuals who are looking at ensuring a cover for accident or death due to accident

Eligibility - Individuals

Maternity Health Insurance Plan Policies for individuals/mothers to cover expenses during prenatal, delivery, and post-natal stage

Maternity Health Insurance Plan

Policies for individuals/mothers to cover expenses during prenatal, delivery, and post-natal stage

Eligibility - Individuals

Disease Specific Insurance Plan Policies for individuals who are seeking coverage from a specific disease like diabetes, hypertension, thyroid, heart, kidney, COVID-19, etc.

Disease Specific Insurance Plan

Policies for individuals who are seeking coverage from a specific disease like diabetes, hypertension, thyroid, heart, kidney, COVID-19, etc.

Eligibility - Individuals

Key features of a Health insurance policy

Significance Covers pre- and post- hospitalisation charges

Covers pre- and post- hospitalisation charges

A health insurance policy covers your medical expenses end-to-end. The coverage starts from just before hospitalisation to after hospitalisation.

Significance Covers complete On-patient Demand (OPD) Expenses

Covers complete On-patient Demand (OPD) Expenses

Most of the health insurance plans are tailored to cover the expenses for your OPD expenses from teleconsultation with doctor to routine diagnostics. However, the terms may vary depending on the insurer.

Significance Cashless Hospitalisation

Cashless Hospitalisation

At the time of need, you simply need to visit a nearby network hospital that has tie-ups with your insurer to avail cashless hospitalisation. This feature becomes beneficial when you require immediate treatment with the worry of fund arrangement.

Significance Covers pre-existing diseases

Covers pre-existing diseases

After the completion of your waiting period as mentioned in your policy certificate, a health insurance policy covers you for your pre-existing diseases as well.

Significance Add-on Benefits

Add-on Benefits

The coverage of health insurance can be further extended by including add-ons such as critical illnesses, maternity, accidental death benefits. However, the premium of the insurance may rise depending on the add-ons.

Significance Provides Tax Benefits Under Section 80D

Provides Tax Benefits Under Section 80D

Having a health insurance plan also provides tax benefits under Section 80D of the Income Tax Act, 1961. You can claim up to INR 75,000* per year depending on the type of plan you buy.

Key features of a Health insurance policy
Cash LessTax Benefits Add onsHospitalisation chargesOPD ExpensesClaim
Eligibility Criteria for Purchasing a Health insurance policy

Eligibility Criteria for Purchasing a Health insurance policy

  • An individual who is above the age of 18 years can typically be eligible to buy health insurance.
  • In case of kids, kids above 90 days from their date of birth can be covered under the family floater plan (some plans also cover kids above 17 days)
  • The individual needs to be an Indian citizen to avail health insurance in India
  • The maximum age for buying a health insurance is 99 years

List of IRDAI approved Health Insurance Companies

Acko Health Insurance

Acko Health Insurance

Claim Settled 74.09%

Star Health Insurance

Star Health Insurance

Claim Settled 99.10%

ManipalCigna Health Insurance

ManipalCigna Health Insurance

Claim Settled 93.40%

HDFC ERGO Health Insurance

HDFC ERGO Health Insurance

Claim Settled 99.80%

Zuno Health Insurance

Zuno Health Insurance

Claim Settled 95%

Factors

List of IRDAI approved Health Insurance Companies

View All

Types of Health Insurance Plans

  • Family Health Insurance

    Family Health Insurance

  • Senior Citizen Health Insurance

    Senior Citizen Health Insurance

  • Individual Health Insurance

    Individual Health Insurance

  • Personal Accident Health Insurance

    Personal Accident Health Insurance

  • Health Insurance for Parents

    Health Insurance for Parents

  • Maternity Health Insurance

    Maternity Health Insurance

  • Children Health Insurance

    Children Health Insurance

  • Newborn Baby Health Insurance

    Newborn Baby Health Insurance

  • Self-Employed Health Insurance

    Self-Employed Health Insurance

  • Women Health Insurance

    Women Health Insurance

  • Group Health Insurance

    Group Health Insurance

Rider Covers offered

Health insurance riders or add-ons are supplemental coverage that can be added to your health insurance to customise your plan and help you reap greater benefits. Some key riders that are generally preferred along with health insurance plan are mentioned below:

Critical Illness Cover - with this add-on, you will be eligible for

Critical Illness Cover -

with this add-on, you will be eligible for

  • A lump-sum payment if you are diagnosed with a long-term or chronic illness like cancer, kidney failure, or stroke. 
  • Some companies offer this add-on for up to 50 critical illnesses.

Maternity Cover - covers pregnant women who will be eligible for

Maternity Cover -

covers pregnant women who will be eligible for

  • Getting medical treatment during childbirth.
  • Some insurers also offer coverage for childcare under this add-on.

Hospital Cash - with this add-on, you will be eligible for

Hospital Cash -

with this add-on, you will be eligible for

  • Non-medical expenses that occur during hospitalisation and are not covered under your regular health plan.
  • Getting a daily cash allowance for a specific time period as per the limit specified in the policy document.
  • The daily allowance amount usually ranges from INR 500 to 5000 per day, but may vary depending on your insurer.

Room Rent Waiver - while a normal health insurance plan covers the room cost to a specified limit per day, with the room rent waiver, you can get

Room Rent Waiver -

while a normal health insurance plan covers the room cost to a specified limit per day, with the room rent waiver, you can get

any room of your choice without paying an extra amount

OPD Cover - an OPD cover can:

OPD Cover -

an OPD cover can:

  • Cover expenses of doctor consultation and medicines.

Personal Accident Cover - a personal accident cover provides:

Personal Accident Cover -

a personal accident cover provides:

  • Financial protection in case the policy holder meets with an accident.
  • Through this add-on the coverage includes permanent total disability, permanent partial disability, total disability, or death.

International Second Opinion Cover- this is a beneficial add-on in case:

International Second Opinion Cover-

this is a beneficial add-on in case:

  • You are not satisfied with the treatment or recommendation by your existing doctor.
  • You are looking for a second opinion or expert advice for your treatment.

Air Ambulance Cover - with this add-on you can:

Air Ambulance Cover -

with this add-on you can:

  • Avail help in getting transferred to your hospital via air ambulance.
  • Avail this service either nationally or internationally based on your policy terms.

Reduction in Pre-existing Diseases Waiting Period - With this add-on you can:

Reduction in Pre-existing Diseases Waiting Period -

With this add-on you can:

  • Reduce your waiting period for pre-existing diseases from 48 months to 24 months. The terms and conditions for this will vary based on your insurer.

How to Buy a Health Insurance Plan Online?

There are three different ways in which you can buy a health insurance plan. With InsuranceDekho, you can make it more convenient. Here’s how:

There are three different ways in which you can buy a health insurance plan. With InsuranceDekho, you can make it more convenient. Here’s how:
  • Online Process
  • Offline Process

Online Process

You can purchase health insurance in two ways, either with InsuranceDekho or via the concerned health insurer. Below mentioned details will give you a clear picture on what works best for you:

Purchase Health Insurance With InsuranceDekho

  • Step 1

    Enter Your Details

    • Simply fill up your name and mobile number to get OTP
    • Enter OTP
    • Enter details on how many family members you want to insure or click just you
    • Select if applicable, any disease or ailment that you or any selected family member has

    Enter Your Details

  • Step 2

    Compare Health Plans with InsuranceDekho

    • Get a specially curated list of plans just for you
    • If you want to see more, there will be the comparison of all insurance plans available for you right below the specially curated list of plans
    • Select the plan that best suits your requirements based on monthly or annual payment and coverage details

    Compare Health Plans with InsuranceDekho

  • Step 3

    Complete Online Payment with InsuranceDekho

    • Fill up all your basic information on Proposal Form 1 - name, address, email, phone number, age, height, etc
    • Fill up Proposal Form 2 - answer 2 simple questions on your health
    • Enter KYC details
    • Make payment online with InsuranceDekho and relax!

    Complete Online Payment with InsuranceDekho

Benefits of choosing your insurance policy with InsuranceDekho -

With InsuranceDekho you will have a complete knowledge of what you are purchasing and a team to guide you from the time you decide to purchase an insurance policy till the time you have to do your claim settlements, policy renewal, insurance portability or in case of any other insurance related requirement.

Documents Required for Purchasing a Health Insurance Policy in India

Documents Required for Purchasing a Health Insurance Policy in India

For purchasing a health insurance policy in India, you will require the following documents:

Age proof (either of the following)

Birth Certificate, 10th or 12th mark sheet, Driving License, Passport, Voter’s ID, etc.

Identity Proof (either of the following)

Passport, Driving License, Voter ID, PAN Card, or Aadhar Card, (needs to be a document which proves that you are a citizen of India)

Address proof (either of the following)

Electricity bill, Ration Card, Telephone Bill, Passport, or Driving License (needs to be a document with your permanent address mentioned on it)

Medical check-up

Some plans require health check-ups to ensure that the individual is not suffering from any chronic illness.

Pre-existing Diseases & Past Medical Details

You are also required to share the details of medical documents of pre-existing illnesses or past hospitalisation.

Understanding Claim Settlement Process?

How to file a claim (cashless/reimbursement)

Claims under a health insurance policy can be done in two ways - cashless claims, and reimbursement claims.

  • Cashless Claims
  • Reimbursement Claims

Cashless Claims

A cashless claim is when you receive treatment at a network hospital or a hospital of your choice and the insurer directly clears the bill for you. If the claim request is accepted, the insurance company settles the bills at the hospital.

You can make a health insurance claim by following these simple steps:

  • Step 1

    Claim Intimation

    Visit the network hospital or the hospital of your choice and inform the insurance company about the hospitalisation

    InsuranceDekho Benefit - Our claim team will help you contact your insurer and initiate the claim process.

    Claim Intimation

  • Step 2

    Third Party Administrator (TPA) form filling

    Fill out the pre-authorisation form at the hospital’s TPA (third-party administrator) desk

    InsuranceDekho Benefit - Help you to navigate the complicated documentation needed to ensure the TPA process is fast and hassle free.

    Third Party Administrator (TPA) form filling

  • Step 3

    Cashless Approval

    Insurer provides the cashless approval after verifying all the details and documents submitted by you.

    InsuranceDekho Benefit - Assist you in getting priority approvals from the insurer.

    Cashless Approval

  • Step 4

    Claim Settlements

    Avail the treatment that is required and the last when treatment is over insurer will directly settle the hospital bill according to the terms and conditions of the policy.

    InsuranceDekho Benefit - Helps in getting final settlements done for a hassle free hospital discharge.

    Claim Settlements
Significance Common Reasons for Claim Rejection Here are some common reasons due to which health insurance claims get rejected:

Common Reasons for Claim Rejection

Here are some common reasons due to which health insurance claims get rejected:

The basic but major reason for claim rejection is incorrect information on the claim form. While filing a health insurance claim, make sure you are mentioning your correct details like name, age, occupation, illness details, etc.

What is Health Insurance Renewal & Why it is Even More Important

Usually, a health insurance plan is valid for a period of one year. It is required to be renewed every year upon expiry. The renewal process is important because it helps you update or change your add-ons in your insurance plan as per your then current requirements. 

Please note, while both InsuranceDekho and the concerned insurer will be giving you  reminders before your policy renewal date. In case you miss your renewal date, you will get a grace period of 15-45 days depending on your insurer to renew your health insurance policy.

Process of Health Insurance Renewal Online

Renewing your health insurance online can happen with ease. 

  1. In case you choose to renew your health insurance plan you can click on the link in your email or phone number and reach the insurer’s policy renewal page.
  2. Once on the policy renewal page, you need to review your policy details, choose any add-ons as per your then current requirement and proceed further.
  3. Once you proceed further, based on your updated plan or the same plan in case you choose not to opt for add-ons, you will be asked to pay the premium.
  4. Once payment has been made, your policy has been renewed for a period of one year.
In both the cases, whether you click on an InsuranceDekho policy renewal link or directly on the insurer policy link, you will be redirected to the insurer policy renewal page.

Process of Health Insurance Renewal Online
Covered vs Not Covered Under Health Insurance Policies?

Covered vs Not Covered Under Health Insurance Policies?

  • Covered
  • Not-Covered
In-patient Hospitalisation

In-patient Hospitalisation

Coverage for inpatient care including surgeries, treatments, and room charges in a hospital if the patient is hospitalised for more than 24 hours

Pre-existing Illnesses

Pre-existing Illnesses

Coverage for pre-existing medical conditions after a certain waiting period. You should check the waiting period with your insurer

Pre- and Post-hospitalisation

Pre- and Post-hospitalisation

Pre-hospitalisation coverage includes blood tests, urine tests, and more. Post includes medicine expenses after getting discharged from the hospital

Preventive Health Check-ups

Preventive Health Check-ups

Policyholders get services of vaccinations, health screening, wellness check-ups done at no additional cost

Ambulance Expenses

Ambulance Expenses

Ambulance coverage and per day amount varies from one insurer to another. However, air ambulance is usually taken as an add-on

Maternity Cover

Maternity Cover

Under the medical insurance plan, you will also get coverage for the expenses on maternity if you are planning pregnancy and childbirth

Daycare Procedures

Daycare Procedures

In case a policyholder is seeking treatment for less than 24 hours, then coverage for such daycare procedures are usually offered

Home Care

Home Care

In case a policyholder is seeking treatment at home under a medical practitioner, they will be able to avail it 

AYUSH

AYUSH

AYUSH treatment coverage includes homoeopathy, ayurveda, and other nature-based treatments 

Mental Healthcare Cover

Mental Healthcare Cover

As per the latest guidelines by IRDAI, mental healthcare like bipolar disorder, depression, Obsessive Compulsive Disorder are covered

What is Health Insurance Portability & How it works?

What is Health Insurance Portability & How it works?

Health Insurance Portability is when a policy holder plans on porting or moving their insurance plan from one insurer to another. This portability can happen in the following ways:

Through InsuranceDekho: The policyholder applies for moving their policy from their initial insurer to an insurer who is associated with InsuranceDekho.

Case: This is the case when the policymaker has taken a policy outside of InsuranceDekho, through an insurance agent or any other means, but is now interested in taking up a policy through InsuranceDekho

 

Please note, any insurance portability usually happens 15 days before policy renewal time. The time period may vary from insurer to insurer.

Please note, any insurance portability usually happens 15 days before policy renewal time. The time period may vary from insurer to insurer.

Understanding Network Hospitals and Cashless Treatment Process

Network hospitals are hospitals who are in alliance with the insurer. Network hospitals are also of two types: with and without cashless facilities.

Here’s a synopsis of what a network hospital with and without cashless facility, and a non-network hospital covers:

 

  • Network Hospital with Cashless Facility -The policyholder gets admitted to a hospital that’s in tie-up with the insurer and avails cashless benefits
  • Network Hospital Without Cashless Facility - The policyholder gets admitted to a hospital that’s in alliance with the insurer, but does not avail cashless benefits
  • Non-network Hospital - The policyholder does not get admitted to a network hospital, and does not get cashless benefits

Understanding Network Hospitals and Cashless Treatment Process

Frequently Asked Question

Renewal

Renewal

Claims

Claims

Sum- Insured

Sum- Insured

Premium

Premium

Coverages

Coverages

Happy Customers

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