Health Insurance Up to ₹1 Crore
Protect your family's health and finances with comprehensive health insurance. Get cashless treatment at 10,000+ network hospitals, tax benefits up to ₹1 lakh, and coverage starting from just ₹307/month.
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What is Health Insurance?
Health insurance, also known as medical insurance policy, offers financial security against medical expenses. When you buy health insurance, you get a financial cover up to a certain amount for the medical expenses you may incur in a year.
It covers emergency and planned expenses for hospitalisation, day-care treatments, surgeries, pre and post-hospitalisation, ambulance charges. A right health insurance policy helps you ward off unnecessary financial burden when a medical situation or emergency arises.
Moreover, it also offers tax savings under Section 80D of the Income Tax Act, 1961 on the premium amount you pay to the insurer.
Get Your QuoteHealth Insurance at a Glance
Why Choose Our Health Insurance?
Comprehensive coverage with best-in-class benefits and service
Get cashless treatment at 10,000+ network hospitals across India. Now available at any hospital with 'Cashless Everywhere' facility.
Coverage for hospitalization, pre & post hospitalization expenses, day care procedures, maternity benefits, and AYUSH treatment.
Round-the-clock customer support and claim assistance. 30 minutes claim support guaranteed in 120+ cities.
Simple and fast claim settlement process with high claim ratio. 99.4% claims paid within 3 months.
Cover your entire family under a single policy with floater benefits. More cost-effective than individual policies.
Save up to ₹1,00,000 in taxes annually under Section 80D. Additional benefits for senior citizen parents.
What is the Ideal Coverage for Health Insurance?
Health insurance coverage should be tailored to individual medical needs and circumstances. An ideal health insurance plan is usually suggested to have a sum insured equal to at least half of your annual income. Experts suggest buying a health cover of at least ₹10 lakhs to combat rising healthcare costs easily.
Ideal Health Insurance Sum Insured by City Tier
| Plan Type | Tier-1 City | Tier-2 City | Tier-3 City |
|---|---|---|---|
| Individual Health Insurance | ₹10 lakh & above | ₹5-10 lakh | ₹5 lakh |
| Family Floater | ₹30 lakh & above | ₹20 lakh & above | ₹10 lakh & above |
| Senior Citizen | ₹20 lakh & above | ₹15 lakh & above | ₹10 lakh & above |
*Disclaimer: The above sum insured is suggestive and may vary as per the age and medical needs of the people.
Consider whether you live in tier-1, tier-2, or tier-3 city as healthcare costs vary significantly.
Younger individuals may need lower coverage while families and seniors require higher coverage amounts.
Consider medical inflation and potential future health conditions when deciding coverage amount.
Types of Health Insurance Plans
Choose the right health insurance plan for your specific needs
- Coverage: ₹3L - ₹50L
- Cashless treatment
- Pre & post hospitalization
- Day care procedures
- Annual health check-up
- Coverage: ₹5L - ₹1Cr
- Covers entire family
- Maternity benefits
- New born baby coverage
- Shared sum insured
- Coverage: ₹3L - ₹25L
- No age limit for renewal
- Pre-existing diseases
- Domiciliary treatment
- OPD consultation
- Delivery expenses
- Pre & post natal care
- Newborn baby coverage
- Vaccination coverage
- Waiting period: 9 months
- Lump sum benefit
- 30+ critical illnesses
- Cancer, heart attack coverage
- Waiting period: 90 days
- Standalone or rider
- Doctor consultations
- Diagnostic tests
- Medicine expenses
- Dental & eye care
- No hospitalization required
Key Benefits of Health Insurance Plans
Comprehensive protection for you and your family's health needs
Covers medical expenses for hospitalization more than 24 hours including room rent, doctor's fee, medicine costs, and diagnostic tests.
Coverage for medical expenses incurred before admission and follow-up treatment after discharge for specified number of days.
Covers the cost of intensive care unit treatment during hospitalization including specialized equipment and monitoring.
Coverage for emergency ambulance services to reach the nearest hospital during medical emergencies.
Get treatment at network hospitals without paying upfront. Now available at any hospital with 'Cashless Everywhere' facility.
Coverage for delivery expenses, pre-natal & post-natal care, and newborn baby treatment with vaccination coverage.
Coverage for treatments requiring less than 24 hours hospitalization like cataract surgery, dialysis, and other day care procedures.
Coverage for alternative medicine treatments including Ayurveda, Unani, Homeopathy, Siddha and Yoga treatments.
Free annual health check-ups to detect health issues early and maintain good health through preventive care.
What's Covered vs What's Not
Understanding your health insurance coverage
- In-patient hospitalization expenses (Room rent, ICU, surgery)
- Pre & post hospitalization expenses (30-60 days)
- Day care procedures (150+ procedures)
- Ambulance charges (up to specified limit)
- Annual preventive health check-ups
- Maternity and newborn baby coverage
- AYUSH treatments (Ayurveda, Homeopathy, etc.)
- Mental healthcare treatment (as per Mental Healthcare Act)
- Domiciliary treatment (home treatment)
- Claims during initial 30 days (except accidents)
- Pre-existing diseases (during waiting period)
- Cosmetic and plastic surgery
- Non-accidental dental treatments
- War, nuclear risks, and self-inflicted injuries
- Alcohol and drug abuse related treatments
- Experimental and unproven treatments
- Adventure sports injuries
- Terminal illnesses (as specified in policy)
Top Reasons to Buy Health Insurance
Why health insurance is essential in today's world
Healthcare costs are rising at 10-15% annually. Health insurance helps you afford quality treatment despite increasing medical expenses.
Access the best hospitals and doctors without worrying about costs. Focus on recovery while insurance handles the bills.
Cover long-term treatment costs for diabetes, heart disease, cancer, and other lifestyle-related conditions that are on the rise.
Avoid depleting your savings or investments for medical emergencies. Keep your financial goals on track.
Get treatment at network hospitals without paying upfront. Now available at any hospital with 'Cashless Everywhere' facility.
Save up to ₹1,00,000 annually in taxes under Section 80D. Additional benefits for senior citizen parents.
How to File Health Insurance Claims
Simple and hassle-free claim process
Planned Hospitalization
Inform Insurer
Notify your insurance company at least 48 hours before planned treatment
Show Health Card
Present your health insurance card at hospital admission
Get Pre-Authorization
Hospital will get approval from insurance company
Receive Treatment
Get treatment without paying hospital bills
Emergency Hospitalization
Immediate Treatment
Get immediate medical attention at nearest hospital
Inform Within 24 Hours
Notify insurance company within 24 hours of hospitalization
Submit Pre-auth Form
Hospital submits pre-authorization form for approval
Cashless Settlement
Insurance company settles bill directly with hospital
Eligibility & Documentation
Simple requirements to get your health insurance
Identity Proof
Aadhaar Card, PAN Card, Passport, Driving License, Voter ID
Address Proof
Aadhaar Card, Passport, Utility Bills, Rent Agreement
Age Proof
Birth Certificate, School Certificate, Passport
Income Proof (if required)
Salary Slips, ITR, Bank Statements
Medical Reports
Pre-medical tests (if applicable based on age)
Health Insurance Riders
Enhance your coverage with additional benefits
Coverage for childbirth, pre & post-natal expenses, and newborn baby care. Waiting period: 9 months to 6 years.
- • Delivery expenses
- • Pre & post-natal care
- • Newborn coverage
Coverage for non-medical expenses like cotton, bandages, syringes, gloves, masks during hospitalization.
- • Medical consumables
- • Disposables
- • Registration charges
Lump sum benefit for critical illnesses like cancer, heart attack, kidney failure. Waiting period: 90 days.
- • 10-40 critical illnesses
- • Lump sum payment
- • Survival period: 30 days
Compensation for accidental injury, disability, or death. Also known as double indemnity rider.
- • Accidental death benefit
- • Disability compensation
- • Partial disability coverage
Fixed daily cash allowance for incidental expenses during hospitalization. Double benefit for ICU stay.
- • Daily cash allowance
- • ICU double benefit
- • Minimum 24 hours stay
Removes room rent limits, allowing you to choose any room without additional charges from your pocket.
- • No room rent cap
- • Any room choice
- • No sub-limits
Key Factors to Consider Before Buying
Make an informed decision with these important considerations
Check what's covered - hospitalization, OPD, maternity, critical illness, COVID-19 treatment, and other benefits.
Choose minimum ₹10 lakh coverage. Consider ₹1 crore plans for comprehensive protection against rising healthcare costs.
Choose plans with minimal waiting periods. Initial: 30 days, Pre-existing diseases: 2-4 years, Specific illnesses: 90 days.
Check for network hospitals in your area. More hospitals mean better access to cashless treatment facilities.
Choose insurers with claim settlement ratio above 90%. This indicates reliability in paying claims.
Earn bonus for claim-free years. Can increase sum insured by 50-100% without additional premium.
Frequently Asked Questions
Health insurance is a financial cover that provides protection against medical expenses. It covers hospitalization, pre & post hospitalization expenses, day care procedures, and other medical treatments up to the sum insured amount.
Experts suggest buying a health cover of at least ₹10 lakhs to combat rising healthcare costs. The ideal coverage should be at least half of your annual income, considering factors like city of residence, age, and future healthcare costs.
Health insurance covers hospitalization expenses, pre & post hospitalization expenses, ICU charges, ambulance costs, day care procedures, maternity benefits, AYUSH treatment, and preventive health check-ups.
Cashless treatment allows you to get medical treatment at network hospitals without paying upfront. The insurance company directly settles the bill with the hospital, eliminating the need for reimbursement. Now available at any hospital with 'Cashless Everywhere' facility.
You can claim tax deduction up to ₹25,000 under Section 80D for self and family, and additional ₹50,000 for parents above 60 years. Total tax savings can go up to ₹1,00,000 per financial year.
Waiting period is the time during which certain conditions are not covered. Initial waiting period is 30 days, pre-existing diseases have 2-4 years waiting period, and specific illnesses may have 90 days waiting period.
Yes, you can buy family floater health insurance that covers your entire family under a single policy. It's more cost-effective than individual policies and provides shared sum insured for all family members.
For cashless claims, inform the insurer 48 hours before planned treatment or within 24 hours for emergency. For reimbursement, pay the bills and submit documents to the insurer for claim settlement.
Protect Your Family's Health Today
Get comprehensive health insurance coverage with cashless treatment at 10,000+ hospitals and tax benefits up to ₹1,00,000