Health InsuranceHealth insurance plans help lower your risk of being burdened by expenses for preventive care or medical bills as a result of an illness or accident. You should consider adequate medical insurance cover for your current Health needs.Offered by Insurers
What is Health Insurance?
Importance of Health Insurance Plans in India
To Protect Your SavingsOne hospitalisation has the potential to drain entire savings of lifetime. But if you get hospitalised with a comprehensive health insurance plan, you can save this hard earned money. There are different health insurance plans in the market to cater to different requirements of individuals. But most commonly, they cover the insured for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, health check-up, ambulance expenses, domiciliary expenses, organ donor expenses, and so on
To Deal With Medical InflationAn unforeseen illness can put anyone in stress. And the rising cost of medical treatment in such times only makes the situation worse. And the healthcare expenses are not only limited to hospitalisation expenses, but also include pre-hospitalisation and post-hospitalisation expenses. These include ambulance expenses, expenses related to medicines, diagnostic tests, doctor’s consultation, room rent, etc. All these expenses can be saved by purchasing an affordable health insurance policy timely.
Lifestyle ChangesAnother reason to get health insurance cover is that it helps you fight lifestyle diseases such as cancer, kidney failure, stroke, paralysis, heart diseases, etc. These diseases are most common in people above 45 years of age but due to sedentary lifestyles, stress, pollution, etc. these are now affecting youngsters as well. A comprehensive health insurance plan that covers you for regular medical check-up not only helps you identify the diseases, but also offers financial protection in case of their treatments.
To Secure the Health of Your Family MembersA single health insurance policy can cover your entire family. Many insurance companies offer health insurance plans that allow you to cover oneself, legally wedded spouse, dependent parents, dependent children, dependent parents-in-law, brother, sister, aunt, uncle, brother-in-law, sister-in law, etc. It reduces the hassle of maintaining multiple health insurance plans and keeps you stress free by keeping your entire family protected at all times. Also, purchasing health insurance plans on a family floater basis prove to be more affordable.
Timely and Good Quality Medical TreatmentWith a reliable health insurance plan, one can avail of timely and good quality treatment without draining their entire life savings. To avail the treatment, all the insured has to do is visit the nearest network hospital and avail the required treatment as per the terms and conditions mentioned in the policy document. The insured can avail treatment for up to the sum insured, at these hospitals, without paying anything from his/her own pocket. The facility can be availed in case of planned hospitalisation as well as emergency hospitalisation.
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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.
Benefits of Health Insurance
Comprehensive CoverageA 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 RenewabilityAs 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 TreatmentInsurance 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.
PortabilityHealth 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, 1961The 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.
Popular Health Insurance Companies
Top Health Insurance Companies in India 2021
|Health Insurance Company||Health Claim Settlement Ratio FY20|
|IFFCO Tokio General Insurance||96.33%|
|Care Health Insurance||95.47%|
|Magma HDI Health Insurance||95.17%|
|The Oriental Insurance Company||93.96%|
|New India General Insurance||92.68%|
|Bajaj Allianz General Insurance||92.24%|
|Max Bupa Health Insurance||89.46%|
|Navi General Insurance||86.98%|
|HDFC ERGO General Insurance||86.52%|
|Manipal Cigna Health Insurance||85.72%|
|Edelweiss General Insurance||85.57%|
|National Insurance Company||83.78%|
|Future Generali General Insurance||82.96%|
|Royal Sundaram General Insurance||81.50%|
|Liberty General Insurance||81.03%|
|ICICI Lombard General Insurance||78.67%|
|Star Health Insurance||78.62%|
|United India Insurance Company||78.03%|
|Reliance General Insurance||76.43%|
|Tata AIG General Insurance||76.04%|
|Bharti AXA General Insurance||76.01%|
|Kotak Mahindra General Insurance||75.45%|
|Acko General Insurance||74.09%|
|Aditya Birla Health Insurance||70.81%|
|Universal Sompo General Insurance||70.75%|
|SBI General Insurance||66.08%|
|Go Digit General Insurance||63.56%|
|Cholamandalam MS General Insurance||56.25%|
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Why Choose InsuranceDekho For Health Insurance?
- 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
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.
Coronavirus Health Insurance
Standard health insurance plans provide coverage for the treatment of coronavirus (COVID-19). However, the treatment of coronavirus involves numerous types of pre-hospitalisation, hospitalisation, post-hospitalisation, and treatment expenses during quarantine. Thus, it is wise to opt for short-term health insurance policies, namely Corona Kavach and Corona Rakash, especially designed to provide coverage only for coronavirus treatment expenses.
Arogya Sanjeevani Health Insurance Policy
Arogya Sanjeevani Policy is a standard health insurance product which aims to simplify health insurance for people by providing them with a basic and standard plan. An Arogya Sanjeevani Health InsurancePolicy is offered by all health insurance companies with exactly the same benefits. An Arogya Sanjeevani Health Insurance Plan comes with the following features -
- No medical check-up up to the age of 45 years
- Sum insured between Rs. 1 Lakh to Rs. 5 Lakh
- Policy tenure of 1 year with lifetime renewability benefit
- No claim bonus of up to 50% of the insurance premium
- Waiting period of 30 days for all illnesses except accidents.
Health Insurance Coverage
- What is Covered?
- What is Not Covered?
In-Patient Hospitalisation ExpensesExpenses incurred due to hospitalisation of 24 hours or more, like nursing and boarding expenses, Nurse’s /Surgeon’s/ Doctor’s/Anaesthetist’s fees, cost of blood, medicines, oxygen, ICU/ICCU expenses, etc.
Pre-Hospitalisation And Post-Hospitalisation ExpensesExpenses arising before and after hospitalisation, for a specific number of days as per the policy terms and conditions. These include expenses related to tests, doctor’s fee, medical reports, etc.
Daycare ProceduresTreatments that do not require hospitalisation of at least 24 hours, are known as daycare treatments. These include cataract, sinusitis, chemotherapy, radiotherapy, etc.
Organ Donor ExpensesExpenses arising due to harvesting the organ from the donor and for the transplant surgery as covered under the policy. The hospitalisation expenses include room rent, doctor’s fee, and other expenses.
Domiciliary Hospitalisation ExpensesTreatment taken at home because of unavailability of hospital beds, or when the insured cannot be shifted to hospital due to health conditions. It covers for treatment that exceeds three days, for any injury or illness
Road Ambulance ExpensesExpenses incurred due to transportation of the insured to the nearest hospital in case of a medical emergency are covered up to a specific limit. The ambulance has all the facilities required to transfer the patient.
AYUSH TreatmentsIt covers in-patient treatments taken under AYUSH systems of medicines which includes Ayurveda, Yoga, Unani, Siddha, and Homeopathy. The expenses are covered for up to a specific limit.
Cosmetic TreatmentsPlastic surgeries, face lifts, nose jobs, cosmetic implants, botox, etc. are not covered under most health insurance plans.
HIV/AIDSMost health insurance plans do not cover expenses related to treatments for HIV or AIDS.
Self-Inflicted InjuriesAny injury due caused due to self-harm including suicide or attempt of suicide is not covered.
Injuries Due to Alcohol or Drug AbuseInjuries due to alcohol or drug abuse, or other addictive substances are not covered.
Participation in Adventure SportsAny treatment required due to participation in adventure sports like mountain climbing, etc. are not covered.
Injuries Due to War, RiotsInjuries due to war, riots, nuclear contamination, and related perils are not covered.
Unproven And Experimental TreatmentsTreatments which are unproven, experimental or done solely for the purpose of investigation.
Rest Cure, Rehabilitation, And Respite CareExpenses related to admission for enforced bedrest and not for treatment.
Health Insurance Riders
Critical Illness CoverWith this add-on, you become eligible to receive a lump sum amount on diagnosis of serious and long-term illnesses such as cancer, stroke, kidney failure, etc. With the amount received, you can make up for the loss of income resulting due to critical illness, pay for debts, if any, or even avail treatment abroad.Some insurance companies provide cover for critical illness as a part of standalone policy, whereas others offer it as an add-on cover, for up to 50 critical illnesses.
Maternity CoverMaternity add-on cover can be opted under an individual or family floater health insurance policy. If planning a child, then maternity add-on cover works best for you. It provides financial protection against medical expenses arising due to childbirth. Some insurance companies also provide coverage to newborn babies for several healthcare expenses such as vaccination, etc. the add-on cover comes with a waiting period, which may differ from one insurer to another, but generally ranges between 2 years to 4 years.
Hospital CashThe add-on cover of hospital cash provides you cover all the non-medical and out of pocket expenses arising during hospitalisation, that are not covered under the health insurance plan. The policyholder gets daily cash allowance as per the limit specified in the policy document, for a particular policy year. Different insurance companies offer different coverage amounts for daily hospital cash benefit, but it generally ranges between Rs. 500 to Rs. 5,000 per day.
Room Rent WaiverThe type of room you choose at the time of hospitalisation, reflect majorly in your hospital bills. A standard health insurance plan comes with a limit on the per day charges of the room. This means that the extra charges incurred due to change in the type of room, let’s say from general room to a deluxe room, will have to be borne by the insured. But with the room rent waiver add-on, you can opt for any room of your choice and you will not be charged anything extra, as it provides you for extra cost during your stay.
OPD CoverOPD (outpatient department) refers to that department of a hospital wherein a patient is required to simply visit it to avail the required treatment and pay the consultation fees to the doctor, instead of getting admitted as a daycare patient. Generally, health insurance plans do not cover you for OPD expenses, but with this add-on cover, you can secure yourself from expenses arising due to the same. The add-on covers you for the cost of medicines, consultation fees, pathological tests, etc
Personal Accident CoverConsidering the rising number of road accidents in India, personal accident add-on cover is a good choice as it offers financial protection in case the insured meets an accident, which results in outcomes such as permanent total disablement, permanent partial disablement, total disablement, or in case of death due to accident. You can opt for this add-on along with a base health insurance policy voluntarily, by paying an extra premium at the time of policy purchase.
International Second Opinion CoverInternational second opinion add-on cover provides you the option to consult international doctors before availing the required treatment. You can use this add-on cover in case you are not satisfied with the diagnosis. Choosing this add-on is an empowering method for the insured as they can review the treatment advice and recommendations offered for a particular illness. It will help the insured get insights on additional treatment options and be doubly sure of the treatment they require.
Air Ambulance CoverThis add-on cover helps transfer the sick/injured insured person, to the nearest hospital, in case of domestic as well as international emergency, as per the terms and conditions specified by the insurance company. This add-on cover saves lives in different scenarios like if you require specialised medical treatment during transportation, if you require to be transported in a swift manner on getting injured when visiting a remote area, or require transportation for medical treatment, if cannot be transported via road.
Reduction in Pre-Existing Diseases Waiting PeriodHealth insurance plans usually come with a waiting period for pre-existing diseases of 48 months. But with add-on cover of reduction in pre-existing waiting period, you can get the waiting period reduced, from let’s say 48 months to 24 months. The period of reduction of waiting period may vary from one insurance company to another. You can get this add-on by paying some extra premium. It does require pre-medical check-up though, to be eligible for this add-on cover.
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.
Am I Eligible to Buy a Health Insurance Plan?
Eligibility Criteria to Buy Health Insurance
Buying a health insurance policy is essential because medical care, especially in the private sector is expensive and can burn a hole in your pocket. To avoid a tough situation during medical emergency or illness, paying a small annual premium can certainly help to lessen your stress.
You can easily purchase a good insurance plan online that usually covers expenses incurred towards doctor consultation fees, ambulance services, hospitalization to a certain extent. Here are the eligibility criteria-
- Entry age for adults- 18-65 years (exclusive plans are provided for people above 70 years of age.)
- Entry age for children-90 days-18 years.
Buying a health insurance policy during early age can be cost-effective as one might not necessarily have to undergo medical tests conducted by the insurers.
Documents Required to Buy Health Insurance Online
There are a few documents that you must be able to show to buy a health insurance policy online. These are-
- Age proof: Either of the following-Birth Certificate, 10th or 12th mark sheet, Driving License, Passport, Voter’s ID, etc.
- Identity proof: Either of-Passport, Driving License, Voter ID, PAN Card, Aadhar Card, which proves one’s citizenship.
- Address proof: Either of-Electricity bill, Ration Card, Telephone Bill, Passport, Driving License with your permanent address clearly mentioned on it.
- Medical check-up: Some plans require health check-up to ensure that the individual is not suffering from any chronic illness.
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Frequently asked questions (FAQ’s)
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 - email@example.com ; Helpline number: 7551196989.
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