Health Insurance

Health Insurance is a type of insurance that covers the medical expenses of the insured due to an illness or accident in exchange for a premium amount. It enables the insurance company to provide medical coverage for hospitalization expenses, day care procedures, critical illnesses, etc. A health plan also offers multiple benefits, including cashless hospitalization and free medical check-ups.

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Learn More About Health Insurance

  • What is Health Insurance?

    Health Insurance is a contract between the policyholder and the insurer where the health insurance company provides financial coverage to the insured up to the sum insured limit. It offers medical coverage for healthcare expenses incurred during an emergency or planned hospitalization. It also provides tax savings on the premium paid to the insurance company under Section 80D of the Income Tax, 1961.

  • Categories Specifications
    Sum Insured ₹50,000 to up to ₹3 crore
    Maternity Cover Available
    Pre & Post-hospitalization Expenses Covered
    OPD Cover Available
    ICU Charges Covered
    Free Health Check-ups Available
    Pre-existing Diseases Covered*
    Ambulance Cover Available
    Day Care Procedures Covered
    Tax Benefits Up to ₹75,000 per financial year

  • Buying a health insurance policy online comes with several benefits. Take a look at them below:

    • Easier to Compare Plans : It is easier to compare health insurance plans from different insurers online at websites like Policybazaar.com to make an informed decision.

    • More Convenient : It is more convenient to buy the policy online as you do not have to visit the branch of the insurance company or take an appointment to meet an insurance agent.

    • Online Discounts : It allows you to avail discount on premiums for buying the policy online.

    • Lower Premiums : Health plans are available for a lower premium online as insurance companies save a lot on operational costs.

    • Minimal Paperwork : The process of buying a health insurance policy online involves minimum to zero paperwork.

    • Policy Available 24x7 : A health insurance policy can be purchased online any time of the day, even on public holidays, which is not possible in offline buying.

  • Health insurance plans offer a variety of health benefits to the insured depending on the plan. Following are the key benefits of buying a health insurance plan in India:

    • Hospitalization Expenses : A health insurance plan covers the medical expenses incurred on getting admitted to a hospital for more than 24 hours. It includes room rent, doctor’s fee, medicine cost, diagnostic test fees, etc.
    • Pre & Post Hospitalization Expenses : It covers the medical expenses that you may have incurred on an illness before getting hospitalized as well as follow-up treatment expenses incurred after getting discharged. The pre-hospitalization and post-hospitalization expenses are covered up to a fixed number of days as specified in the policy document.
    • ICU Charges : A health insurance plan also covers the cost of availing treatment in an ICU during hospitalization.
    • Ambulance Cost : It covers the cost of ambulance services availed to reach the nearest hospital during a medical emergency.
    • Cashless Treatments : All health insurance providers in India offer cashless treatment facilities at their network hospitals. You do not have to worry about arranging money to pay the hospital bills if you get admitted to a network hospital as it will be settled by your insurer under cashless claims.
    • Day Care Procedures : It also covers the cost of availing day care treatment that requires hospitalization for less than 24 hours.