Healthcare providers
for a hassle-free service

claim intimation
for a hassle-free service

customer support
for a hassle-free service

Understanding Health Insurance for a Secure Future 

Understanding health insurance is key to securing your future. In today’s world, where healthcare costs are on the rise, having a robust insurance plan is not an option but a necessity. It offers financial protection against unforeseen medical emergencies, ensuring you and your family can access quality healthcare without financial strain. From covering hospitalisation bills to offering various wellness benefits, health insurance is an essential investment. It empowers you to focus on recovery rather than expenses and ensures peace of mind in times of need. Start exploring your options today to build a safer, healthier tomorrow.

Health insurance provides coverage for medical expenses, which enables you to get timely medical attention. Encouraging the early identification of diverse health issues, this preventive measure can significantly lower your out-of-pocket expenses and achieve better health outcomes.

What is Health Insurance? 

An insurance product that provides financial support in case of a medical emergency is health insurance. Simply put, a health insurance plan, also called a medical insurance policy, is a contract between you (also known as the insured/policyholder) and the insurance company (also known as the insurer). The company agrees to pay all or some of your medical expenses incurred due to illness, injury, or accident. The coverage of these expenses can include the cost of doctor's consultations, surgery, medicines, room rent, ambulance charges, and much more. In return, you agree to pay a premium to the company as compensation. The contract will be for a year, but depending on the terms and conditions of your policy, you can settle the premium on a monthly, quarterly, or annual basis. The insurer can settle your healthcare expenses using the following two methods:

  • Cashless treatment: Here, you don't need to pay anything out of your pocket as the insurance company will pay the network hospital directly.
  • Reimbursement: In this scenario, you must settle your hospital dues first and then request reimbursement from the insurance company.

You can either buy health insurance plans from insurance providers or choose the one your employer provides, if any.

Find affordable plans


Adult(s) (18 years - 70 years)

Children (3 months - 18 years)

Types of Health Insurance

In India, where healthcare costs are constantly rising, having the right health insurance is necessary.
Here are the different medical insurance plans available in India.

1. Individual Health Insurance

This is the most common health insurance plan available in India. As the name suggests, this policy is for a single person only.

For example, if you take individual health insurance of Rs. 5 lakhs, it can only be used for your medical expenses and will not include your wife, children or parents. If you want to cover them, you will have to buy a separate individual health plan.

It is the best health insurance plan for you if you:

  • Have higher health risks.
  • Uninsured, but your family members are insured.
  • Prefer a fixed-sum insured over a floating-sum insured.
  • Wish to renew your insurance policy regardless of your age.
  • Need more protection than a family floater plan offers.
  • Prefer cashless and prompt claim settlements.
  • Fall into categories such as students, self-employed individuals, or those aged between 18 and 26 years.

Under this policy, you will receive reimbursement for the expenses incurred during hospitalisation resulting from illness or injury. It will cover all the hospitalisation, surgical, room rent, and pre and post-medication charges until the insured limit is exhausted. The premium will depend on individual factors, such as your age and medical history.

As this health insurance policy promises financial aid for an individual's medical emergencies, you can customise it according to your medical needs. You can choose a comprehensive plan or consider extra coverage.

Read More Read Less

2. Family Floater Health Insurance

Unlike individual health insurance plans, this plan covers your entire family in a single plan and premium. This shared approach reduces the risk of underinsurance for any family member and increases the utilisation of the sum insured.

For example, when you purchase family floater health insurance of Rs. 10 lakhs for yourself, your spouse, and your children, every family member can claim the sum insured until the insured limit is exhausted. For instance, if you get admitted to the hospital for an angioplasty costing Rs. 3 lakhs. The insurance company settles the claim. Later, in the same year, your family got into a minor accident, requiring them to be admitted. Collectively, all of you can claim the remaining Rs. 7 lakhs from the insurance policy. But if the hospital bill exceeds Rs. 7 lakhs, you need to bear the expenses from your pocket.

The benefits of a family health insurance policy include:

  • As it covers your entire family under one plan, it simplifies the process of managing the policies of different family members.
  • It shares the sum insured, ensuring each member can access sufficient coverage during medical emergencies.
  • The premiums are lower than individual policies (as you have to buy a single policy compared to 3-5), providing a cost-effective solution for families.

In this policy, the age of the eldest member determines the premium. So, consider taking separate individual policies for members over 60, as they are more prone to illness, which will affect the premium amount.

Read More Read Less

3. Senior Citizen Health Insurance

As you age, there is increased vulnerability to various health issues. Due to slower recovery, long-term care and regular medications, you may strain or even exhaust your savings. This is where Senior Citizen Health Insurance comes into play.

As the name suggests, this plan is for individuals over 60 or 65, depending upon the policy's terms and conditions. If you, your parents, or your grandparents fall into this category, you can consider a senior citizen health insurance plan. It provides health check-ups and cashless hospitalisation at the insurer's network of hospitals. The coverage includes hospitalisation costs, critical illnesses, pre- and post-hospitalisation expenses, online consultations, modern and alternative treatments, daycare, and domiciliary treatment. Notably, the premium for this plan is also higher than other types of insurance.

Why choose a senior citizen health insurance policy?

  • Your retirement savings might not suffice due to rising medical costs, inflation, and unforeseen emergencies.
  • The plan offers critical illness coverage, which becomes necessary with age.
  • The policy, designed for illnesses like cancer, heart issues, and kidney failure, also includes age-specific and pre-existing conditions like blood pressure, diabetes, and cholesterol.
  • Most plans allow for free annual health check-ups, enabling early detection of diseases, and prompt treatment.
  • With the help of this policy (along with yours), you can claim a tax deduction of up to Rs. 75,000 under Section 80D of the Income Tax.
Read More Read Less

4. Group Health Insurance

This health insurance plan covers a defined group under a single policy. The group can comprise employees of a company, members of an association, or individuals belonging to a specific community. The premium is lower than that of an individual insurance plan, as this policy is taken collectively.

The policy covers the policyholder (employee or member) and their dependents, such as spouses, children, and sometimes parents. The inclusions and exclusions depend on the chosen plan and group agreement.

The benefits of a group health insurance policy are as follows:

  • The plan improves employee retention by providing health coverage for employees and their dependents. It fosters a sense of security, enhancing long-term employee commitment.
  • Offering features like teleconsultations with mental health professionals helps employees manage stress effectively.
  • It includes fitness tracking and quick access to doctors, enabling preventive healthcare measures to maintain a healthy lifestyle.
  • All members within your group receive the same level of coverage, regardless of age, medical history, or pre-existing conditions.
  • A group health insurance plan for families often covers a broader range of medical expenses, including hospitalisation, pre- and post-hospitalisation care, daycare procedures, maternity care, and specific illnesses.
  • The group administrator handles general tasks like enrollment and claim processing, making it easier for you.
Read More Read Less

5. Critical Illness Insurance

Critical illness insurance plans in India provide financial protection in cases where you are diagnosed with a severe medical condition. These plans go beyond traditional health insurance and offer a lump-sum payout upon diagnosis of a covered critical illness, regardless of the treatment cost. This lump sum can be used for various purposes, such as:

  • Covering treatment expenses: Critical illnesses often require specialised care and expensive procedures that can significantly strain your finances. The payout from the plan can help bear the expenses of the treatment.
  • Maintaining your lifestyle: During an illness, you might need to take time off work or adjust your lifestyle. The payout from medical health insurance can help you retain financial stability and continue providing for your family.
  • Managing debt: Critical illnesses can lead to mounting medical bills, potentially leading to debt. The payout can help you manage existing debt or avoid taking on new debt during a challenging time.

Given below are the key features of critical illness plans:

  • Coverage for specific illnesses: These plans cover a defined list of critical illnesses, including cancer, heart attack, stroke, kidney failure, and others. The number of illnesses covered varies depending on the plan.
  • Lump sum benefit: Upon diagnosis of a covered illness, the plan pays out a lump sum amount, regardless of the actual treatment cost. This amount can be used for any purpose as per your needs.
  • Optional riders: Many plans offer riders, such as early-stage critical illness benefits, waivers of premiums, and accelerated benefits for specific illnesses, that you can opt for.

Consider your age, health, family history, and financial situation to determine the level of coverage you need.

Read More Read Less

6. Maternity Health Insurance

This policy is tailored specifically for women and their unique healthcare needs during pregnancy and childbirth. It offers coverage for various expenses related to maternity care, including prenatal and postnatal care for the expecting mother, normal and cesarean deliveries, and additional costs that may arise due to post-delivery complications. Some plans cover expenses for the newborn, including vaccinations, nursery stays, and treatment for congenital conditions up to a specific period.

However, watch out for certain exclusions, such as expenses for supplements, diagnostic tests during pregnancy, infertility treatments, costs associated with harvesting and storing stem cells, and costs incurred during the waiting period before the policy becomes active.

A maternity health insurance policy is recommended for women planning to start a family or who are already pregnant. However, consider purchasing one as soon as you are married, as most plans have a waiting period before the coverage becomes effective. Additionally, you must usually be between 18 and 45 years old to qualify.

Here are some factors you should take into account:

  • Compare policies from different insurance companies to find the most suitable coverage according to your needs.
  • Understand the waiting period and exclusions of the policy to avoid surprises during the claim process.
  • Assess your healthcare needs and select coverage for comprehensive protection throughout your maternity journey.
  • Make a well-informed decision regarding maternity health insurance for financial security and peace of mind during this significant phase of life.

Maternity health insurance plans can also be added to a basic policy.

Read More Read Less

7. Top-up Health Insurance

With steadily rising healthcare costs, sometimes even comprehensive plans have limitations, with the sum insured getting exhausted due to expensive treatments. This is where top-up health insurance comes to the rescue. It bridges the gap between your existing plan's coverage and your actual medical expenses.

Unlike regular health insurance plans, top-up insurance is a layered product. It's an addition to your existing primary policy, be it an individual or family floater plan. It gets activated after your primary plan's sum insured is exhausted.

The plan comes with a deductible, a fixed amount you need to pay out of pocket at the time of purchase before the top-up coverage kicks in.

The key features of top-up health insurance are:

  • Increased Coverage: Top-up plans offer a significantly higher sum insured than their premiums, making them cost-effective ways to boost your overall coverage. You can choose the sum insured, ranging from Rs. 5 to 50 lakhs or even higher, as per your needs and budget.
  • Flexibility: You can add top-ups to either individual plans or floater plans covering your entire family. They are also renewable, allowing you to continue the coverage.
  • Affordability: Compared to upgrading your primary plan to a higher sum insured, these plans offer significantly lower premiums. This makes top-ups an effective option to increase your coverage without breaking the bank.

When selecting an insurance plan, consider the deductible carefully. Opting for a higher deductible reduces premiums but ensures they remain manageable in emergencies. In addition, be mindful of coverage exclusions, such as pre-existing conditions or specific treatments outlined in the policy.

Read More Read Less

8. Super Top-up Health Insurance

This plan provides additional coverage for medical expenses that exceed the sum insured amount of your base medical plan. Super top-up health insurance differs from a regular top-up plan. It considers the total medical expenses incurred during the policy period rather than just the amount of each claim. This means that you could have multiple claims throughout the year that are each less than the deductible limit, but if the total cost of all of those claims exceeds the deductible, the super top-up plan would kick in and cover the difference.

Here are some key points to consider when choosing between a top-up and a super top-up health insurance plan:

  • Deductible: Top-up plans typically have a per-claim deductible, while super top-up plans have a per-policy deductible.
  • Premium: The premium for a top-up plan is usually lower than that of a super top-up plan, as it provides less coverage.
  • Coverage: Super top-up plans provide more comprehensive coverage than top-up plans. They may have higher limits on the amount of coverage they provide.

Ultimately, the best health insurance plan for you will depend on your needs and budget. If you are concerned about incurring high medical expenses, a super top-up plan may be a good option for you. However, if you are on a tight budget, a top-up plan may be a more affordable option.

Read More Read Less

Benefits of Buying Health Insurance Plans Online

Today, more and more people are turning to online platforms to manage their finances, including purchasing health insurance. Compared to traditional offline methods, buying health insurance plans online offers several advantages that can make the process easier, faster, and potentially more affordable. Here's a closer look at some of the key benefits:

Exclusive Online Discounts

Many insurance companies offer exclusive discounts and deals to customers who purchase their plans online or from their platform....

Read More

24x7 Policy Availability

You can enjoy the convenience of round-the-clock policy availability. Unlike traditional methods, where you contact an agent or visit branch....

Read More

Instant Policy Issuance

Once you have selected the best health insurance plan and completed the application process online, your policy is generated instantly.....

Read More

Simplified Comparison

A wide range of health insurance plans from different providers is available online. You can easily compare their....

Read More

Streamlined Process

The entire process of buying medical health insurance is designed to be user-friendly and intuitive, even for those....

Read More

Digital Payment Convenience

Gone are the days of carrying cash or cheques. You can pay your health insurance premiums securely and conveniently using....

Read More

Cost Efficiency

In tandem with the exclusive online discounts, reduced operational costs can translate to lower overall premiums.....

Read More

Enhanced Convenience

Purchasing health insurance online offers an unmatched level of convenience. With self-service options for managing the.....

Read More


Ditch the long queues and waiting periods associated with traditional methods. Buying health insurance online saves you.....

Read More

Transparency and

When you browse for the best health insurance plan online, you get correct and in-depth information about each plan.....

Read More

Personalised Recommendations

Some online platforms use technology to recommend personalised health insurance plans based on your age, medical history....

Read More

Access to Reviews and Ratings

Many online platforms offer customer reviews and ratings for different plans. This user-generated feedback can be valuable....

Read More

By leveraging the numerous benefits of online platforms, you can make informed decisions, save time and money, and ultimately secure the best health insurance plan to protect yourself and your loved ones. Remember to compare plans carefully, understand the terms and conditions, and choose a reputable insurance company when making your online purchase.

Top Reasons to Get Health Insurance

Buying health insurance is a wise decision that safeguards not just your health but also your finances and ensures mental peace. In an era where medical expenses are skyrocketing, having medical health insurance acts as a safety net that protects you from unforeseen circumstances that require medical care. Let's understand the top reasons why having health insurance in India is a must:

Combating Medical

The medical inflation in India for 2023 stood at 14%, almost twice the general inflation during that year.....

Read More

Access to Premium
Medical Care

If you or your family falls sick, you want the best treatment from the most qualified doctors available......

Read More

Cashless Hospitalis-
ation Advantage

Managing finances while your loved one gets hospitalised can be stressful. Insurance ......

Read More

Chronic Condition

Critical and chronic conditions like cancer, diabetes, and heart disease are hard to deal with. Not only are they life-threatening ......

Read More


Prevention is always better than cure. Health insurance policies may provide for annual check-ups, including preventive screenings, ......

Read More


Accidents and sudden illnesses can strike anytime, anywhere. In the event of an emergency, where time is of the essence, you may not have immediate ......

Read More

Maternity and Family

The best health insurance plans extend comprehensive maternity coverage, including ......

Read More


Most health insurance plans offer discounts on various medical services at their network hospitals, ......

Read More


The health insurance premium you pay is available for deduction under Section 80D of the .....

Read More

Peace of

Knowing you and your loved ones are financially protected against unexpected medical expenses definitely brings peace of mind....

Read More

Protects Your

Unexpected medical expenses can quickly deplete your hard-earned savings, which you may have kept aside for education, marriage,....

Read More

Rise in Sedentary
Lifestyle Diseases

Due to our increasingly sedentary lifestyle, diseases like diabetes, heart disease, obesity, and hypertension are on the rise.....

Read More

How to Calculate Health Insurance Premium?

To get a fair idea of the amount of your health insurance premium, you need to understand how it is calculated. Several factors influence the amount you ultimately pay. Let's take a look at them:

Age and Health

Your chance of developing health problems rises with age. As a result, the health insurance .....

Read More

Sum Insured

This represents the maximum amount the insurer will provide for your medical expenses. Your premium....

Read More

Policy Type and Coverage

Different policies offer different coverages. Comprehensive plans that cover hospitalisation,.....

Read More


Premiums can vary based on your city or state due to differences in healthcare costs and claim frequencies. They are on ....

Read More

Medical History

Pre-existing conditions can significantly impact your premium. For example, someone with a pre-existing....

Read More

Lifestyle Habits

Smoking, tobacco use, and excessive alcohol consumption are considered high-risk factors and can....

Read More


This is the amount you pay upfront before the insurance coverage kicks in. Choosing a higher deductible.....

Read More


These are optional add-ons, like maternity, critical illness, or room-rent waiver benefits, for additional coverage beyond the primary policy......

Read More

You can use an online health insurance calculator to determine the premium for different plans across different levels.

What is Covered by a Health Insurance Plan?

When you buy a health insurance plan for your family, you should be aware of the inclusions in your policy to make the most of them. Here are some general elements that your policy covers:

Hospitalisation Expenses

Hospitalisation costs include room rent, doctor's consultation fees, nursing care, medicines, diagnostic tests, ICU charges, and surgical.....

Read More

Pre-existing Illnesses
or Diseases

Pre-existing conditions or diseases are diagnosed before purchasing a health insurance plan. Its coverage varies across insurance companies.....

Read More

Pre and Post-
Hospitalisation Expenses

Medical health insurance typically covers your pre-hospitalisation expenses incurred within a specific period before admission (60 days) and ......

Read More


Emergency ambulance services can be expensive. However, many health insurance plans cover ambulance charges.....

Read More


Maternity coverage is crucial for expecting parents. It covers expenses related to pregnancy, childbirth, and newborn care. This ......

Read More

Preventive Health Check-ups Coverage

Regular health check-ups help in early disease detection and prevention. Some health insurance plans ......

Read More

Daycare Procedure

Daycare procedures are medical treatments that don't require overnight hospitalisation and are covered by health insurance. Examples ......

Read More

Home Treatment Cover

Most health insurance plans offer discounts on various medical services at their network hospitals home under medical supervision ......

Read More

AYUSH Benefit

AYUSH is India's traditional system of medicine, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy. In addition to allopathic treatments, .....

Read More

Mental Healthcare Cover

Mental illness is often considered taboo, but mental health is critical to a person's well-being. Recognising its need, health insurance....

Read More

Organ Donor Expenses

Organ donation is a noble act that can save many lives. Health insurance offers coverage for expenses incurred during organ donation procedures....

Read More

Latest Treatments

Advanced medical procedures, including immunotherapy, deep brain stimulation, stem cell therapy, and robotic surgery, can be .....

Read More

For instance: A person was diagnosed with lung cancer that required two years of immunotherapy. This treatment costs Rs. 1.5 to 2 lakhs per session. With twelve sessions per year for two years, the total cost exceeds Rs. 36 lakhs. As the patient's health insurance didn't cover such treatments, he had to bear the entire expense out of his pocket. To avoid this, opt for a health insurance plan that includes or allows the addition of modern treatment coverage to your base plan.

What is Not Covered in a Health Insurance Plan?

While health insurance provides financial protection for medical treatments, understanding what expenses fall outside their scope is also necessary. Here's a breakdown of standard exclusions found in health insurance plans in India:

Adventure Sport

Activities classified as adventure sports, like skydiving, rock climbing, or bungee jumping, carry inherent risks. As they are considered.....

Read More


Injuries caused intentionally by yourself, including attempted suicide or self-harm, are excluded from the coverage of health insurance....

Read More

Sexually Transmitted
Diseases (STDs)

Treatment for STDs, including HIV/AIDS, is not covered by standard health insurance plans. They are often viewed as preventable .....

Read More

Treatment of Obesity
or Cosmetic Surgery

Expenses for procedures for weight loss treatment or solely for cosmetic purposes, such as liposuction or breast augmentation,....

Read More


These are considered cosmetic procedures. Hence, aside from routine dental check-ups and cleanings, most health insurance plans do not cover....

Read More


This includes spectacles, hearing aids, dentures, orthopaedic shoes, artificial limbs, and other assistive devices. While essential for ....

Read More


Medical expenses incurred during war or in any situation declared an act of war.....

Read More

Participation in
Defence Operations

Injuries or medical conditions sustained while actively participating in military or defence .....

Read More

This list provides a general overview, and exclusions may vary depending on your insurance provider and plan details. Read your policy document carefully to understand your plan's exclusions.

Health Insurance Buying Checklist

When purchasing health insurance in India, various factors should be considered to ensure that your policy meets your needs and offers adequate coverage. Here's a comprehensive checklist to guide you through the process of selecting the best health insurance plan:

Waiting Period

This clause specifies the time when you cannot claim your health insurance plan. It can be applicable for specific coverage like .....

Read More

Restoration Benefits

Let's assume you had a health insurance cover of Rs. 5 lakhs, which you exhausted last month when you were admitted to the hospital .....

Read More


Think of it as an initial hurdle you need to cross before your health insurance kicks in.......

Read More


This is a payment you share with the insurance company for your medical expenses.....

Read More

Network Hospitals

Hospitals affiliated with the insurance company are network or partner hospitals where you ......

Read More

Preventive Health

Many plans offer preventive health check-ups, which can help you identify health issues early and prevent costly treatments later. Moreover, ......

Read More

Maternity Coverage

If you are planning to start a family, ensure your health insurance policy covers maternity ......

Read More

Inclusions & Exclusions

Thoroughly review the inclusions and exclusions of your health insurance policy. Inclusions specify ......

Read More

Claim Settlement Ratio

The claim settlement ratio indicates the insurance company's ability to handle claims. A high .....

Read More

By understanding these key features and utilising this checklist, you can choose the best health insurance plan that offers comprehensive coverage, peace of mind, and financial security for you and your loved ones.

Choose the Health Insurance Coverage of Your Choice

Opting for the best health insurance plan is a necessary step as it protects your financial and physical well-being. In this process, understanding your specific needs will help you select the right plan.


Step 1: Start by assessing your individual and your family's health requirements. Consider your age, pre-existing conditions, family history, lifestyle choices, and anticipated medical needs. Do you need maternity or critical illness coverage?


Step 2: Evaluate the health insurance premiums. They vary based on your chosen plan, the desired sum insured (coverage amount), and your age. Carefully analyse your budget and affordability. A higher premium offers more comprehensive coverage and better features but shouldn't strain your finances.


Step 3: Consider riders or add-on covers for specific needs, but be mindful of their impact on affordability.


Step 4: Choose a plan with an extensive network of hospitals in your city and preferred locations. Consider travel needs if required. Inquire about empanelled doctors and specialists within the network to ensure easy access to quality care.


Step 5: Visit online insurance company platforms and compare plans and premiums.


Step 6: Once you've chosen a plan, carefully read the policy document, understanding its terms, exclusions, and claim settlement procedures. Ensure all your medical history is disclosed to avoid claim rejections in the future.

What is the Ideal Health Insurance Coverage?

When considering the ideal health insurance coverage for you and your family in India, several factors come into play to ensure comprehensive protection against medical expenses. Here's a breakdown of what constitutes ideal health insurance coverage:

Customised Coverage

Start by assessing your individual and your family's health r factors like pre-existing conditions...

Read More

Anticipated Medical Costs

Healthcare inflation in India is a reality. While a basic plan might seem sufficient today, consider future ....

Read More

Network Hospitals

Look for health insurance plans that include your preferred hospitals in their network. This allows .....

Read More

Existing Insurance

If you already have employer-sponsored insurance, assess its coverage adequacy. Consider a top-up plan....

Read More

Family Medical

Factor in hereditary diseases or medical conditions in your family history. Conditions like diabetes and hypertension may....

Read More

Lifestyle and

Your lifestyle and age influence your health risks. Assess lifestyle factors such as diet, exercise habits, and ....

Read More

Affordability and Tax

Health insurance premiums shouldn't strain your finances. Determine a premium amount that aligns with your financial capacity while .....

Read More

High-Cost Medical

Choose a top-tier health insurance plan that provides coverage for expensive medical procedures like organ transplants or cancer .....

Read More

Considering the above factors, aim for coverage that is almost half of your total annual income as a benchmark. For instance, if your yearly income is Rs. 18 lakhs, a health insurance policy of Rs. 15 lakhs may be suitable. However, given the escalating medical costs, set a minimum coverage of at least Rs. 5 lakhs.

Call to order