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Health Insurance
- 30 minutes claim support
- Relationship manager
- 24*7 claims assistance
- Instant policy issuance
Get your family secured TODAY & get benefits:
In simple terms, when you buy health insurance, you get financial coverage up to a certain sum insured for the medical expenses you may incur in a year. With rising healthcare costs, having the right coverage is no longer optional — it’s essential.
Whether you are comparing health insurance quotes, looking for employee health insurance for your company, or searching for trusted health insurance brokers near me, choosing the right policy can safeguard your family’s future.
Health Insurance : Benefits & Features
Beat Medical Inflation
A health insurance policy can help you pay your medical bills, including pre and post-hospitalization expenses, today as well as in future despite the rising medical costs.
Afford Quality Medical Treatment
It helps you to afford the best quality medical treatment and care so that you can focus only on getting cured.
Fight Lifestyle Diseases
It allows you to pay for the long-term treatment of lifestyle diseases like cancer, heart ailments, etc., that have been on the rise with the changing lifestyles.
Protect Your Savings
It helps you to protect your hard-earned savings by covering your medical expenses so that you can avail the required treatment without any financial worries.
Top Reasons to Buy a Health Insurance Plan
Medical inflation is on the rise making treatments expensive. If you get hospitalized for a critical illness or lifestyle disease, you may end up losing all your savings. The only way to afford quality medical treatment during a health emergency is by buying a health insurance policy. Take a look at some of the top reasons to buy a health insurance plan below:
- Beat Medical Inflation –
Medical inflation in India is rising every year. A health insurance policy helps you manage hospital bills, including pre and post-hospitalization expenses, ensuring that future medical costs do not affect your financial stability. If you are evaluating national health insurance schemes or private plans, comparing multiple health insurance quotes helps you choose the most cost-effective option.
- Afford Quality Medical Treatment –
Health insurance ensures access to the best hospitals and quality treatment without financial stress. A qualified insurance advisor or insurance consultant can guide you in selecting a plan that matches your healthcare needs and budget.
- Fight Lifestyle Diseases –
With increasing cases of cancer, heart ailments, diabetes, and other lifestyle diseases, long-term treatment can become expensive. Health insurance helps cover these costs, ensuring you receive timely care without exhausting your savings.
For eligible families, schemes like Ayushman Bharat health insurance also provide government-supported coverage for critical treatments.
- Protect Your Savings
A single medical emergency can wipe out years of hard-earned savings. Health insurance protects your finances and gives you peace of mind.
If you’re unsure about coverage details, seeking professional medical insurance advice from experienced health insurance agents near me can help you make informed decisions.
- Avail Cashless Hospitalization Facility –
Most insurers provide cashless hospitalization at network hospitals. This means you don’t have to arrange cash during emergencies — your insurer settles the bill directly with the hospital.
- Get Tax Benefits –
Under Section 80D of the Income Tax Act, you can claim tax deductions on the health insurance premium paid for yourself, your spouse, children, and parents. A knowledgeable insurance consultant can help you plan your policy strategically for maximum tax benefits.
- Ensure Peace of Mind –The biggest benefit of health insurance is mental peace. You can focus entirely on recovery instead of worrying about hospital bills.
Eligibility Criteria to Buy a Health Insurance Plan
| Criteria | Specifications |
|---|---|
| Entry Age for Adults | 18 to 65 years |
| Pre-medical Screening | Required above the age of 45/55/60 years |
| Entry Age for Dependent Children | 90 days to 25 years |
Frequently Asked Questions (FAQs)
What is the right age to buy health insurance?
There is no right or wrong age to buy a health insurance policy. However, it is suggested to buy it as early as possible to keep your premium low. The earlier you buy health insurance, the lesser would be the premium. This is because you have a lesser risk of health issues at a young age as compared to someone who is in their mid-50s or 60s, as they are more prone to critical illnesses. Therefore, if you buy health insurance in your 30s, you will be able to avail maximum insurance benefits that too at a lower premium.
Is a medical test mandatory to buy a health insurance policy?
Medical tests are not mandatory before buying a health insurance policy. However, most health insurance companies in India require medical test reports if the age of the applicants is above 45 years. The type of medical tests required can vary depending on the age of the applicant and the insurer’s requirement.
What does cashless hospitalization mean in a health insurance policy?
Cashless hospitalization means that the in-patient treatment charges availed by the insured are paid by the insurance company directly to the hospital. All insurance companies in India have a tie-up with a large network of hospitals where the insured/policyholder can avail cashless treatment for an illness or accidental injury.
At what age can I include my children in my health insurance plan?
You can include your children in a family floater policy from day 1, provided the child is at least 90 days old. In maternity insurance plans, newborn babies are covered from day 1 if the maternity claim was paid by the insurer. Nonetheless, you are advised to go through the terms and conditions of a health plan carefully to know about the entry age for children.
What is a freelook period in health insurance?
A free-look period in health insurance refers to the period of the first 15 days of the policy commencement. During this period, you can review your health insurance policy features, coverage, etc. and decide if you want to continue with it or not. You can also opt for add-on covers during this period. If you decide to discontinue the policy during this period, you will not attract any cancellation fee.
What is the sum insured in health insurance?
Sum insured refers to the maximum amount that the insurance company pays to the policyholder during a policy year in case a claim is raised due to an illness or accidental injury. It is also referred to as maximum coverage or coverage amount under health insurance.