How Many Days Before health insurance can be renewed?

You should ideally renew your health insurance before its expiry date. However, insurance companies also provide a grace period of 15 days during which it can be renewed.

What if I missed my health insurance renewal deadline?

In case you miss the health insurance deadline, then you need to pay a specific penalty charge which depends on the insurance company.

What is a grace period for health insurance policy renewal?

Typically, the grace period for health insurance policy renewal is 15 days. However, there are a few companies that have a grace period of even 30 days.

What are the required documents to renew the health Policy?

Some of the documents required to renew your health insurance policy include a copy of your health insurance plan, PAN card, aadhaar card, bank account details, and a few more.

What are the methods to renew health insurance plan?

You renew your health insurance plan either offline or online.

Can I change my health insurance plan during the renewal process?

Yes, you can change your health insurance policy during renewal.

Will I lose my covered health insurance benefits after the renewal?

No, you will not lose the covered health insurance benefits after the renewal. In fact, benefits like the No Claim Bonus will remain intact when you renew your plan.

Can I pay renewal payments in installments?

Yes, you can make the renewal payments for your health insurance plan in installments.

Can I update my health and personal information during the renewal process?

Yes, you can update your health and personal information during the renewal process.

Is a medical examination required for renewing a health insurance policy?

Yes, generally insurance companies may require you to renew your health insurance policy.

How can I start my health insurance claims?

You can perform your health insurance claims either through a cashless or reimbursement process.

What are the documents required for a health insurance claim?

Some of the documents required for raising health insurance claim are health insurance policy document, medical reports, hospitalisation expenses, etc.

How can I track my health policy claims status?

You can track your health insurance policy claim status directly from the insurer’s website. You just need a few details such as policy number, claim number, and others when you track your policy status.

What is the difference between cashless and reimbursement claims?

In cashless claims, all the medical expenses will be directly settled in a network hospital. On the other hand, in reimbursement claims, all the medical bills will be reimbursed by the insurance company.

What should I do after my health insurance claim is denied?

In case your claim is denied, you need to first speak to your insurer and ask them the reasons for rejection. If your claim request is still rejected, you can raise your grievances to IRDAI either by calling or sending them an email.

How long does it take to process health insurance claims?

Typically, it takes around 20-30 days to process the health insurance claim request.

Does health insurance cover all my medical expenses?

Health insurance typically covers most of the medical expenses such as pre and post hospitalisation expenses, medicine expenses, ambulance costs, and others. You should check the offerings under your health insurance plan to be sure what all is covered.

How to avoid rejection of health plan claims?

To avoid rejection of claims, you should submit all the documents such as hospital bills, policy papers, discharge papers, and others. Moreover, you should never lie about your pre-existing diseases to avoid claim rejection.

Will my premium rate be affected after filling out health insurance claims?

Yes, sometimes the premium rate can be affected after filling out health insurance claims.

How many times can health insurance be claimed in a year?

You can raise many health insurance claims in a year depending on the sum assured.

Does a higher sum insured mean a higher health premium?

Yes, a higher sum insured directly affects the health insurance premium.

What is sum insured in health insurance?

Sum insured in health insurance refers to the maximum amount that the health insurance company will pay against all the medical expenses.

Why choosing the right sum-insured is important?

Choosing the right sum insured is important so that you can get adequate coverage for all kinds of medical expenses.

How much sum-insured is commonly opted for?

You should choose the sum insured based on different factors such as age, medical history, financial dependants, pre-existing medical conditions, and others.

Are there any specific guidelines for choosing a health insurance sum insured?

No, there are no specific guidelines for choosing the health insurance sum insured. However, you should evaluate different factors which include your age, pre-existing medical condition, lifestyle, family members, and waiting period.

Can I change my sum insured after buying a health insurance premium?

Yes, you can change the sum insured after the health insurance premium.

What will happen after I exhaust my sum insured during the policy period?

Most health insurance plans offer restoration of the sum insured even after you have raised a health insurance claim. So, you should check whether the health insurance plan is offering restoration benefits or not.

Is sum insured the same as co-payment and deductible?

No, the sum insured is not the same as co-payment and deductible. While the sum insured is the total amount for which you will get coverage for medical expenses, co-payment and deductible are spent from the policyholder’s pocket.

Can I use multiple health insurance plans with different sum-insured?

While policyholders can have multiple health insurance plans at the same time, yet they cannot use different plans for same medical expenses.

Should I choose higher sum insured for family health insurance plans?

Yes, the sum insured for family health insurance plans will be higher.

What is a Health Insurance Premium?

Health insurance premium refers to the amount that needs to be paid to get health insurance coverage.

How to calculate health insurance premium?

You can calculate health insurance premium with InsuranceDekho’s premium calculator.

What will happen if I miss paying health insurance premiums?

In case you miss paying the health insurance premiums on time, then you will stop getting the relevant coverage.

Will the health premium change after buying the health insurance policy?

In case the coverage offered changes, the health insurance premium will also accordingly change.

Can I pay the health insurance premium amount in installments?

Yes, health insurance premium amount can be paid in installments.

Can I get a refund on my health premium if don’t make any claim on it?

No, you won’t get refund in case you don’t make a health insurance claim. However, you will get No Claim Bonus benefit in case of a claim-free year.

Can I switch my health insurance plans to get a better and lower health insurance premium?

Yes, you can switch your health insurance plan to get a better and lower health insurance premium.

Are there any discounts available to lower health insurance premiums?

Yes, many insurance companies offer discounts such as renewal discount, no claim bonus, and more that is helpful in lowering the health insurance premium.

Will my health insurance premium change over time?

Yes, the health insurance premium may change in case the coverage is changed. The premium also changes in case of a claim.

Will health insurance add-ons affects the premium amount?

Yes, when you include add-ons to your health insurance plan, the premium amount gets changed.

What does health insurance coverage mean?

Health insurance coverage means the coverage offered to the policyholder in case of any illness.

Does health insurance covers traditional Indian treatments like Ayurveda, Yoga, or Naturopathy, homeopathy?

Yes, health insurance also covers traditional Indian treatments like Ayurveda, Yoga, or Naturopathy, homeopathy.

Is there coverage for medical conditions caused by air, water, or noise pollution?

Any kind of illness listed on the policy document is covered under your health insurance plan even if the illness is caused by air, water, or noise pollution.

What is international coverage options in health insurance?

International coverage options in health insurance refers to the coverage that is offered if there is any medical emergency abroad.

Does my Health Insurance policy provides tax benefits too?

Yes, health insurance policy will also provide tax benefits.

Does my policy or any policy cover mental health too?

Yes, there are health insurance policies that will also provide coverage for mental health.

How to find coverage in your health insurance Policy?

You read the policy inclusions to understand the coverage offered under your health insurance policy.

Do pre-existing medical conditions are covered under health insurance plans?

Pre-existing medical conditions are covered under a health insurance plan after a specific waiting period.

Can I customise and choose my health insurance coverage?

Yes, you can choose to customise and choose your health insurance coverage accordingly

Is maternity coverage included in health insurance plans?

Yes, there are a number of health insurance plans that provide coverage for maternity expenses.

What is the difference between individual health coverage and group health insurance coverage?

Individual health insurance plan provides coverage for only an individual, on the other hand a group health insurance plan provides coverage for a group of individuals.

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Buy Health Insurance Plans and Policies Online

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.

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Best Health Insurance Plans In India

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)

MaxBupa

Cover Amount

5 Lakh

Starting at

628/month

No room rent limit
100% no claim bonus

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Comprehensive Individual

Star Health

Cover Amount

5 Lakh

Starting at

708/month

Single Private A/C Room
100% restoration benefits

View More Features

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

ICICI Lombard

Cover Amount

5 Lakh

Starting at

441/month

Single Private A/C Room
20% no claim bonus

View More Features

Significance of having a health insurance policy

Following are some significant benefits of a comprehensive health insurance plan

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

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.

Access to Quality Healthcare Services

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

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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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

Eligibility - Individuals

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

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

Eligibility - Individuals

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

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

Eligibility - Individuals

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.

Eligibility - Individuals

Key features of a Health insurance policy

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.

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.

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.

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.

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.

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

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

Claim Settled 74.09%

Star Health Insurance

Claim Settled 99.10%

ManipalCigna Health Insurance

Claim Settled 93.40%

HDFC ERGO Health Insurance

Claim Settled 99.80%

Zuno Health Insurance

Claim Settled 95%

List of IRDAI approved Health Insurance Companies

View All

Types of Health Insurance Plans

Family Health Insurance
With the rise in the cost of quality treatment, it is now crucial to secure your family financially. A family health insurance plan provides benefits to the entire family members under a single sum assured which is divided among all the members and can be availed by all of them or one member of the family. In a family floater plan, you can cover your near and dear ones, including spouses, children, parents, parents-in-law, and others.
Senior Citizen Health Insurance
Individuals at old age are more prone to illnesses. Thus, senior citizen insurance plans are designed for parents and grandparents who are over 60 years of age. The mediclaim insurance policies will protect the senior citizens of the society against financial expenses incurred due to critical illnesses at old age. Some common benefits that come with an insurance plan include expenses related to daycare procedures like chemotherapy, cataract, pre-existing disease cover, and much more.
Individual Health Insurance
Under this plan, a single policyholder is liable to receive the coverage benefits, in return for the premium that an individual has paid. Moreover, the insured is covered on an individual sum insured basis, where they can claim up to the sum insured in case of hospitalization of at least 24 hours. An individual insurance plan is a wise choice as it covers most of the healthcare needs of the insured.
Personal Accident Health Insurance
In the unfortunate event of an accident that could result in death or disability, personal accident health insurance protects the insured. These policies cover the policyholder's medical costs as well as, in some circumstances, any lost wages resulting from accidents. This plan offers a variety of benefits, including accidental death insurance, hospital cash benefits, permanent/total disabilities, and much more.
Health Insurance for Parents
Health plan for parents offers them the required benefit for several health care expenses in old age. Some of these expenses include in-patient hospitalization, pre- and post-hospitalization, daycare treatment, and much more. It is critical for parents to have medical insurance because it protects them from spending their life savings on medical expenses in their old age.
Maternity Health Insurance
Maternity insurance policies pay for all costs up to a certain maximum in the event of birth. These plans cover the costs associated with both normal and c-section deliveries. Some insurance providers' maternity insurance policies additionally cover prenatal, postpartum, and newborn baby costs. If you're thinking about starting a family, you shouldn't put off buying maternity insurance plans because they typically have waiting periods.
Children Health Insurance
Due to a weak immune system, children are more prone to illnesses. Thus, it is crucial to cover them under a reliable health plan. Mostly, insurance companies do not provide plans for children separately, so you can either buy an individual or a family floater. An insurance plan will cover the children for the healthcare expenses such as hospitalzsation expenses, ambulance costs, daycare treatment and much more.
Newborn Baby Health Insurance
Newborn babies demand extra care and facilities in case of their health. Thus, they should be covered under an adequate insurance plan to cover the medical expenses and provide high-quality treatment. If you are planning to cover your delicate one, then you can either buy an individual insurance plan or a family floater insurance. The plans will provide coverage for hospitalization, pre and post-hospitalization expenses, vaccination, and much more.
Self-Employed Health Insurance
In case of accidental emergencies that need medical treatments and hospitalization, the self-employed insurance plan will provide financial protection. The self-employed workers including farmers, small traders, freelancers, and more can not be covered under the group health policy as they neither work in the public sector nor in the private sector.
Women Health Insurance
Women's health protection plans cater to the varied insurance needs specifically of women. However, not many companies provide plans for women, but there are some companies that initiated creating plans for women. You can buy these plans at affordable premiums for the sum insured as per your requirements and budget.
Group Health Insurance
A group insurance plan is framed for the group of employees who work together. It is provided by employers to their employees at low premiums. Under this plan, you get covered for hospitalization occurring due to illness, sickness, accident, critical illness, and maternity. Therefore, an individual is covered by the employer till they are working in an organization.

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

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

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

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

any room of your choice without paying an extra amount

OPD Cover -

an OPD cover can:

Cover expenses of doctor consultation and medicines.

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:

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:

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:

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.

Tax Benefits and Financial Advantages of Health Insurance

Health insurance in India not only secures your health but also provides you with tax benefits under Section 80D of the Income Tax Act.

Self, Spouse and Children: You can claim a deduction of up to ₹25,000 annually for premiums paid towards health insurance for yourself, your spouse and your dependent children.
Parents: If you're paying premiums for your parent's health insurance, you can claim an additional deduction. If your parents are below 60 years of age, the deduction is up to ₹25,000. If they're senior citizens, i.e., above 60, the limit increases to ₹50,000.

Expenses incurred on preventive health check-ups are eligible for deduction up to ₹5,000. This is within the overall limit of ₹25,000 or ₹50,000.

Why People Don’t Buy Health Insurance, But They Should

There are many reasons individuals don’t prioritise getting health insurance. This is mainly due to a lack of awareness, thinking that the premiums are expensive and an unnecessary cost that can be worried about later.
But here’s why all these grounds don’t make sense.

Budget Constraints

According to Niti Aayog’s report, affordability is one primary reason why 30% of India’s population lacks health insurance. The premiums are perceived as too expensive.
So, those with budget constraints can consider cheap health insurance plans or Government health insurance schemes that offer essential coverage at lower costs. While these plans may have limitations, having some protection is always better than having none.

Why Insurance? I’m Healthy

Just because you feel healthy today doesn’t mean you won’t need medical care tomorrow. Accidents and unexpected illnesses happen, and costs for treatment continue to rise, so it’s better to have insurance coverage before something goes wrong.

I'm Covered By My Employer

Corporate health insurance is helpful, but it’s often limited. It may not cover everything or last forever—especially if you switch jobs. Having a personal health insurance plan ensures you're protected no matter what.

More Family Members to Cover

It may feel like you’re paying a lot to cover your family, but one medical emergency for a loved one could put you into a financial disaster. Family floater health plans provide coverage to your family at an affordable price so no one is left uninsured.

In short, health insurance isn’t an additional cost; it’s a necessity. The right plan can prevent you from overwhelming financial hardship while assuring that you and your loved ones receive optimal care when required the most.

What is the Ideal Coverage for Health Insurance?

Choosing the right health insurance coverage is more then just a number. It is financially securing yourself against unexpected medical expense.

How to Determine Your Ideal Coverage?

Experts suggest getting coverage of at least 35% to 50% of annual income. However, there is no one-size-fits-all approach; the ideal amount depends on various factors, such as age, income, and health risks.

To start with, you can aim for a sum insured of ₹5-₹10 lakhs and increase it, depending on your financial capacity and future risks.

Income Based Approach

Let’s say your annual income is ₹10,00,000. Ideally, you should buy health insurance with a sum insured of ₹5,00,000 and above. If your income is lower, you can choose accordingly, but make sure to have a policy that offers at least basic coverage.

Age And Life Stage Considerations

Life Stage	Recommended Coverage	Why It Matters?
Young Adults (18-30 years)	₹5-10 lakhs	Covers basic medical needs, accidents and emergencies
Middle-aged (31-50 years)	₹5-10 lakhs	Ideal for covering family lifestyle diseases and maternity expenses.
Senior Citizens (51+ years)	₹15-25 lakhs	Crucial for chronic conditions, hospitalisation and regular medical care.

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:

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
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
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!

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

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.
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.
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.
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.

Why Compare Health Insurance Plans Online?

Buying health insurance is not about choosing the first plan offered. Comparing all the health insurance plans online helps you make a more thoughtful decision.

Get the Best Coverage According To Your Budget

All health insurance plans are not the same; some have a lower premium but high out-of-pocket costs, while others might have relatively high price ranges but better coverage. Always compare all the policies online to find the balance between price and benefits.

Save Time & Effort

Earlier, buying insurance policies required meeting agents or going to insurance offices. But now, with just a few clicks, you can compare different plans, view coverage details, and even read customer reviews.

Understand What you’re Paying For

Reading the policy fine print is necessary. Online comparison will allow you to check all the inclusions and exclusions thoroughly. This way, the policyholder would know what to expect as coverage—hospital stays, doctor visits, pre-existing conditions, etc.—and what is not. No hidden surprises later!

Find Exclusive Online Discounts

Many insurance companies offer discounts on their websites. So, to get better deals, you can opt to buy a health insurance plan online.

Benefits of Buying Health Insurance Plans Online

Buying health insurance online is fast, and easy, and sometimes even offers the best deals. This is why it is a smart choice:

Convenience

No need to meet agents or visit offices—compare, choose, and buy from anywhere at any time.

Better Prices

Many insurers offer discounts solely for online purchases so you save a lot.

Comparisons

You can check plans side by side, ensuring you get the best one that caters to your requirements.

Instant Policy Insurance

No long waiting periods; get covered immediately with minimal paperwork.

Transparency

You have detailed information about premiums, coverage, exclusion, and terms handy so that you can make a rational choice.

Buying health insurance online gives you control, flexibility, and savings—all in just a few clicks

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.

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.
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.
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.
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
Not-Covered

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

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

Preventive Health Check-ups

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

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

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

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

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

AYUSH

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

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?

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.

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

Network Hospital with Cashless Facility -The insurer settles all claims with the tied-up hospital directly. Policyholder pays deductible as per the details mentioned in the policy
Network Hospital Without Cashless Facility - The policyholder pays the alliance hospital, and claims the bills to the insurer
Non-network Hospital - The policyholder pays the hospital, and claims the bills to the insurer

Network Hospital with Cashless Facility -No waiting period. Once the policyholder informs the insurer. The insurer approves the details and settles bills with the alliance hospital directly
Network Hospital Without Cashless Facility And Non-Network Hospital - Waiting period of about 10-15 days (depending on the insurer) from the time of raising the bills to the insurer and receiving the claimed money

Understanding Network Hospitals and Cashless Treatment Process

Frequently Asked Question

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