Give You The Best Individual Health Insurance Policies In India

Individual Health Policy
Family Health Policy
Pay Premium for Only 3 Lacs & Get Cover for 6 Lakhs !!

You Can Buy Policies From The Following Insurers

Our Health Policy Types

Senior Citizen

This plan ensure that people aged between 65 to 80 years are financially in time of medical emergencies.

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Critical Illness

This policy pays out a lump sum amount if and when insured people are diagnosed with any of the life-threatening diseases listed in the policy document.

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Family Floater

This covers an entire family for a fixed coverage which is shared by all family members mentioned in the policy document

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Individual

An individual health insurance policy offers coverage to an individual person up to a fixed sum insured chosen by the individual during a policy year.

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Group Mediclaim Policy

A group health insurance plan provides medical coverage to a specific group of people.

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Medical Checkup

Did you know that the costs of your medical checkups are now covered under your health policy?

Ambulance

Did you know in case of Emergency your ambulance expenses can also be reimbursed under Health Insurance policies?

Pre & Post Hospitilazion

Did you know that all your related medical expenses incurred
30 days prior to hospitalisation and 60 days after hospitalization are reimbursed under Health Insurance policies?

Cashless Transaction

Did you know that with the right health insurence you don't need to pay anything from your pocket for treatment? It will be paid by your insurer and totally cashless for you.

Tax Benefits

Did you know you can save up to 35,000 from income tax payment depending on your health insurance premium?

Extented Cover

Get specialised health policies for diabetic patients, cardiac patients, maternity benefits, senior citizens, grandparents, parents-in-law, grand children, and international treatments.

Top Features

There's no denying the fact that health is wealth. It means you must make sure that your health is taken care of and nourished throughout your entire life. Today, technology is taking higher jumps and along with that, diseases too, are coming forward with enormous escalation.

The burden of expensive treatments coupled with emergency cases have become a tension for countless individuals in our country. And this is exactly where comes the requirement of buying individual health insurance plans in everyone’s life.

An individual health insurance plan has been designed to take care of your health as well as the expensive medical treatment associated with hospitalization (pre and post-hospitalization) and medicines in the event of an accident, surgery or unexpected illness, during the term of the policy. Therefore, individual health insurance is an honest solution for people who cannot pay for quality treatment owing to the towering medical expenses and unavailability of cash.

There comes a bunch of facilities along with the purchase of individual health insurance plans. These unique yet lucrative facilities are sure to please every person. Let's have a look at what an individual health insurance plan can cover:

  • Individual health insurance policy offers coverage for all pre and post-hospitalization expenses incurred around 30 – 60 days prior to and 90 days after hospitalization.
  • Individual health insurance also offers cashless facility when you get your treatment done in a network hospital.
  • Even in the event of a non-cashless treatment, the claim amount is refundable but after a formal approval process.
  • Individual mediclaim plans cover the charges for diagnostic tests and ambulance up to a pre-defined limit.
  • It provides with facilities like daycare procedures. However, this facility is subjected to some terms and conditions.
  • Under an individual health insurance plan, pre-existing conditions excluding injury owing to accidents are treated after a defined waiting period. Note that the duration of this waiting period may vary from months to years.
  • Any surgery like Cataract, hernia, piles, treatment of Asthma, etc, psychiatric disorders and maternity-related issues are covered after the waiting period.
  • It would be a real advantage to buy an individual health insurance plan since it provides with a cumulative bonus of 5% for each claim-free year.
  • Under most of the individual health insurance plans, you will not have to undergo any medical test till the age of 45. And for people above 45 years of age, the pre-policy checkup is usually performed at the insurer’s empanelled diagnostic centre.
  • Apart from individual health insurance, even if you opt for family health insurance, you will be provided with some discount. The amount of discount basically depends on the insurer and the type of policy you are holding.
  • The reimbursement of treatment taken at any non-network hospital is done in a few days.
  • You can avail tax benefits on the premium paid under section 80D of Income Tax Act.
  • Pre-existing diseases will not be immediately offered any coverage right after you buy the policy. As previously stated, there will be a pre-defined waiting period for the same.
  • In case of specific diseases, the cover amount may vary from 10% to 90% of the Sum Insured amount.
  • In general, Homeopathic, Ayurvedic or non-allopathic treatments are not covered under this policy.
  • Treatment associated with intoxicating substances like drugs, alcohol, etc., is not included under this plan.
  • Aesthetic and cosmetic treatments will not be covered under this policy.