Health Insurance Health Insurance - Compare and Buy best health insurance plans online from top insurance companies. Best medical insurance plans for family, individuals and senior citizens. Calculate premium, policy coverage and save upto 70%. Get a FREE Quote!

Health Insurance is a type of insurance plan wherein an insurance company promised to compensate the policyholder(s) for the expenses incurred on medical treatment subject to the sum insured mentioned in the policy.

InsuranceDekho.com is an online platform that lets you compare health insurance quotes of top-rated insurance companies on the basis of requirements and helps you choose the best health insurance policy for you.

A family floater plan is a type of health insurance plan under which the insurance coverage is available to the entire family rather than just one individual against the payment of a single premium. Generally, a family plan consists of 5 members of the family - self, spouse and up to 4 children. However, this can vary from insurance company to insurance company.

Arogya Sanjeevani Policy is a Standard Health Insurance Product (SHIP) which is offered by all health insurance companies with exactly the same benefits. For this plan, no medical check-ups are required for people who are not older than 45 years and have no medical history.

A claim settlement ratio refers to the percentage of claims settled by a health insurance company out of the total claims received by it during a financial year. The higher the claim settlement ratio, the better it is.

Co-payment refers to the share of claim amount borne by the policyholder/insured at the time of claim settlement. However, a co-payment does not reduce the sum insured.

Individuals below 60 years of age can claim a tax deduction of up to Rs. 25,000 and individuals above 60 years can claim a tax deduction of up to Rs. 50,000 under Section 80D of the Income Tax Act on their health insurance premium.

A daycare treatment refers to medical treatment, and/or surgical procedure undertaken under general or local anaesthesia in a hospital/daycare centre in less than 24 hours because of technological advancement.

A free-look period is the time period during which a health policyholder can review the terms and conditions of their health insurance policy, and return the same if not acceptable.

A waiting period refers to the time span after the purchase of the policy during which a policyholder cannot claim any benefit from the insurance company. All health insurance benefits can be claimed only after the expiry of the waiting period of the health insurance plan.

It is an agreement between an insurer and a policyholder where former promises of bearing the medical expenses of the latter subject to the limits of the plan. To own this coverage, the policyholder is required to pay premiums to the insurer for getting the coverage without any break.

• Coverage for pre and post hospitalization expenses
• You can opt for the best treatments for your loved ones
• Your savings will not be affected due to any medical emergency
• Most of the daycare procedures are covered under different plans
• Tax benefits under the section 80D of Income Tax Act

With age, the probability of falling prey to diseases increases. Therefore, a senior citizen health insurance plan is an excellent option, as in older age, the lesser or no income enhances the trouble. These plans are designed to cover senior people aged 60 years and above and provides coverage for diseases, critical illnesses, accidents, etc.

• Frequent medical expenses can easily be borne with the plan
• Can afford proper treatment and medication with lesser income too
• May increase life expectancy with regular and advanced treatment
• Investment in health policy save the tax under section 80D of IT Act
• Enhance the savings and bring independence in terms of financial security

Treatment of critical diseases is never easy. The procedures related to critical illnesses are highly expensive and prolonged that lead to the loss of a significant amount of savings. These plans provide cover for diseases like kidney failure, heart attack, cancer, muscular dystrophy, and many others.

• Lump sum amount is offered to maintain the lifestyle
• The recuperation aid is covered under the critical illness plan
• Regular health check-ups are also available under such policies
• Offers the best treatment when it comes to life-threatening disease
• TA good amount of tax can be saved under section 80D of IT act

Pregnancy is a turning point in every woman’s life. At this time, they require the utmost care. With time, medical technology has made delivery procedures safer, more comfortable, but expensive. Everyone wants that the mother and baby should get the most possible comfort during the delivery procedure. Thus, taking a maternity plan is a gesture of perfect planning.

• Easy to get the delivery done in the best-equipped hospital
• Regular expenses are curbed with the coverage of consultations, health check-ups, tests, etc.
• The coverage of newborn baby don’t let the budget be affected
• Normal and Cesarean deliver cover avoid the financial crisis before delivery
• With tax benefits, you can save money under section 80D of IT act

The group health provides the insurance to eligible professionals of an organization. Under this segment of insurance plans, the employers purchase the health policies for their employees. The payment for it is made two ways, half of the amount is paid by the employer and the remaining by the employees. It is generally given to enhance the morale of the employees and also to retain the employees.

• Enhance the retention rate in the firm
• Boost the morale of employees
• Make employees avail the plan at economical rates
• Tax benefits can be earned under section 80D of IT act

An accident is an unforeseen and unfortunate event that can happen to anybody and anytime. Also, its consequences may go disastrous and catastrophic. Therefore, a personal accident insurance plan is necessary for dealing with financial hardships during an accident.

• Expenses of accident-related treatments are covered
• Severe injuries due to an accident can be treated in the best manner
• Many personal accident plans covers funeral and legal expenses
• Worldwide coverage is offered as accidents can happen anywhere, anytime
• Some plans provide the coverage to the entire family for complete health care