Health Insurance

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Health Insurance

Health insurance provides financial protection and support for medical expenses incurred due to illness or injury. It helps individuals and families manage the costs of healthcare by covering a portion of medical services, prescriptions, and treatments. Health insurance plans vary in coverage and cost, offering different levels of benefits to meet the diverse needs of individuals and groups. Having health insurance can provide peace of mind and ensure access to necessary medical care when needed.

Meet Our Health USP’s

healthcare anywhere

Get Quality Healthcare Anywhere in the World with Our Global Coverage.

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Higher Sum Insured Options From 25 Lacs to 6 Crores.

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No Room Rent & Category Limits

medical appointment

Pre & Post Hospitalization Covered Upto 60 & 180 Days

Unlimited E consultations

Unlimited E-consultations

Annual Health Checkups

Annual Health-Checkups

Non Payable Items

Coverage of Non-Payable Items

Heartbeat Line

Instant Cover for Pre-exisitng Diseases like Hypertension, Diabetes & Mellitus, Cholesterol

Organ Donor Cover

No limits for Organ Donor Cover

No claim Bonus upto Sum Insured

No Claim Bonus upto Sum Insured

Automatic Recharge Upto Sum Insured

Automatic Recharge Upto Sum Insured

Ayush treatment Upto Sum Insured

Ayush Treatment Upto Sum Insured

Types of Health Insurance Policies

Personal Halth Coverage

Individual Health Insurance

:- An Individual Health Insurance policy provides medical coverage to a single person, typically the policyholder. It offers a fixed sum insured amount to cover medical expenses, including hospitalization, surgery, and other healthcare needs. This type of policy is ideal for those who prefer separate coverage for each family member.

family Health IInsurace

Family Floater Health Insurance

A Family Floater Health Insurance policy covers the medical expenses of all family members (spouse, children, and sometimes parents) under a single policy. It provides a fixed sum insured amount that can be utilized by any family member during the policy term. This type of policy is more cost-effective and convenient than purchasing individual health insurance policies for each family member.

Employer health benefits

Group Health Insurance

Group Health (Floater) Insurance, as the name suggests, offers coverage to a group of people. It generally covers employees of a company or members. A group health insurance policy plays a vital role in ensuring employees' well-being by offering financial protection against medical expenses.

Elderly health insurance

Senior Citizen Health Insurance

Senior Citizen Health Insurance is a type of health insurance policy specifically designed for individuals & families aged 60 and above.

Essential Components of Health Insurance

Insured Amount

Sum Insured Options

This option enables you to select the sum insured that aligns with your requirements, offering flexibility and ensuring sufficient coverage.

Lifetime renewability

Lifetime Renewability

Provide lifetime renewability, ensuring you can continue to access the benefits of your policy as you age.

No claim bonus

Get 80c Deductions

Deductions for premiums paid under Various Income Tax provisions & save Tax.

Day care hositalisation

Daycare Procedures

Include coverage for daycare procedures that do not necessitate 24-hour hospitalization.

Coverage for preexiting health conditions

Coverage for Pre-Existing Conditions

Allow individuals with pre-existing health conditions to obtain necessary medical treatment and care, relieving financial burdens and ensuring access to essential healthcare services.

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Efficient Claim Process and Settlement

A streamlined and efficient claim settlement process that requires minimal paperwork. Guarantee swift claim settlement and prompt processing of claims.

peace of mind

Peace of Mind

Having health insurance coverage provides peace of mind. It removes concerns about unforeseen medical costs and enables you to concentrate on your health and well-being.

Proactive Healthcare

Free Annual Health-Checkups

Get free health check-ups every year even after making an claim “totally cashless & hassle free

Health Insurance - Excluded Risks

Some exclusion may include:

FAQS

Health insurance stands as a form of protection that covers medical and surgical expenses incurred by the insured individual, offering financial security against high healthcare costs.
Health insurance generally encompasses various medical services, such as consultations with doctors, hospital stays, prescribed medications, preventive care, diagnostic tests, and occasionally dental and vision care. Coverage may vary depending on the particular plan.
A premium denotes the periodic payment (monthly, quarterly, or annually) necessary to uphold your health insurance coverage, regardless of whether healthcare services are utilized or not.
Coinsurance denotes the percentage of costs you split with your insurance provider once you’ve met your deductible. For instance, if your coinsurance stands at 20%, you’ll cover 20% of the covered services while your insurance covers the remaining 80%.
Health insurance is essential as it enables you to afford medical care and shields you from unforeseen healthcare expenses, ensuring access to high-quality healthcare services when required.
Health insurance coverage can be acquired through your employer or independently via the marketplace or private insurance providers.
A deductible represents the amount you must personally cover for covered healthcare services before your insurance begins to contribute. This expense is incurred annually and resets each year.
Yes, certain cyber insurance policies can assist with regulatory compliance. Some policies offer coverage for fines and penalties related to data protection regulations like GDPR or HIPAA. It’s crucial to verify if compliance-related coverage is included or accessible as an additional option.

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