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    Health insurance is a vital safety cushion for one's hard-earned savings in today's age of mounting healthcare costs. Getting a health cover has become easy. Nowadays, you will find a variety of health insurance plans in India for diverse healthcare requirements. Make sure you thoroughly assess your needs before taking the crucial decision of choosing the best medical insurance policy for the well-being of your family. The best health insurance plan is the one designed to meet the specific healthcare needs of you and your family, and offers a wide-ranging yet affordable coverage and health benefits for a financially secure future.

    Further, technology has made it easy to buy insurance online, and you can get the best health cover wherever you are. So, review the various policies and make an informed decision.

    What is Health Insurance?

    Health Insurance is a health care coverage product that is steadily gaining importance in India due to rising medical inflation every year. Under a health insurance policy, the medical expenses of an individual or a group of individuals are covered by an insurance company or the 'insurer'. For availing the benefits of insurance, the individual(s), also called the 'insured' is required to pay a specific sum or 'premium' to the insurer. Health insurance plans offer comprehensive health coverage. That is, it covers a range of medical expenses incurred by the insured. The expenses are not just limited to hospitalization costs incurred as a result of injury, illness or any chronic ailment. Based on the health insurance plan, the insurer may either reimburse the incurred costs or settle the medical bills directly with the healthcare provider as per policy T&C. Health insurance makes it easy for people to avail cashless quality medical treatment in a network hospital.

    Best Health Insurance Plans

    Below are the 6 best health insurance plans in India from Care Health Insurance :

    • Care- Health Insurance for Family
    • Care for Senior Citizens-Health Insurance for Senior Citizens
    • Joy- Maternity Health Insurance
    • Care Freedom- Diabetes Health Insurance
    • Care Heart- Heart Insurance
    • Enhance- Health Insurance Super Top Up

    Purchasing the best health insurance plan becomes easy with the online facility that allows buyers to browse through a number of available health insurance policies and choose the one that rightly fulfills their unique healthcare requirements. The option to buy health insurance policy online is highly convenient for you owing to paperless processing, availability of complete policy details and hassle-free procedures for filing claims.

    If you already have a health insurance plan with Care Health Insurance (formerly Religare Health Insurance), we will cover hospitalization expenses due to Coronavirus. The expenses will be settled on the basis of the terms and conditions of the policy.

    Read FAQS on Coronavirus

    • Care

    Comprehensive Health Insurance for Individual & Family

    • Care Freedom

    Health Insurance without Medical Check-ups suitable for Diabetes, High BMI and Hypertension

    • Care for Senior Citizen

    Specially Curated Health Insurance for Individuals above 61 years of Age

    • Joy

    Maternity Insurance Plan with Baby Cover

    • Care Heart

    Health Insurance that Covers Pre-existing Heart Ailments

    Health Insurance for Family

    In today's times when healthcare costs are skyrocketing, buying a health insurance for family is the best decision one can take in order to ensure a financially secure future. As the name implies, family insurance health plans offer health cover for a group of members of a family, say an individual, spouse, dependent children and dependent parents. They are counted among the most preferred and affordable health insurance plans that offer comprehensive coverage, considering a wide range of medical expenses. Such medical insurance policies offer coverage for maternity expenses, pre and post hospitalization expenses, daycare treatments, cover for ambulance costs, and more.

    Health insurance plan for family provides complete health cover for a range of healthcare expenses incurred by the family members. Some key benefits of a family health insurance plan are:

    • The premium is affordable compared to individual plans.
    • The sum insured amount is usually high for family floater policies.
    • It includes maternity coverage with the option of adding new members under the plan.
    • Guarantees tax deductions on the premium paid under section 80D of the Income Tax Act.

    Health Insurance for Senior Citizens

    It is a specifically-designed health insurance policy for providing coverage for the healthcare costs likely to be incurred by senior citizen individuals. The health insurance policy for senior citizens offers coverage for higher premium by considering the possibilities of age-related illnesses and likely hospitalization.

    • Covers a range of medical expenses like hospitalization, pre and post hospitalization, domiciliary hospitalization, daycare treatments, ambulance cover, etc.
    • Cover for pre-existing illnesses subject to a minimum waiting period.
    • Higher sum insured amount keeping rising medical costs in view.
    • Cover for alternative treatment and health check-ups.

    Maternity Health Insurance

    For those on their way to embracing motherhood, constant care and support are essential and so is a maternity insurance cover to deal with the rise in expenses. With high costs of pre and postnatal care in India, it is essential to opt for the best maternity coverage. Care Health Insurance (formerly Religare Health Insurance) offers two customized maternity plans with defined waiting periods. The plan offers complete cover for expenses incurred before, during and after hospitalization as well as cover for new-born baby care.

    If you are in the phase of life of embracing motherhood, then maternity health insurance plan is a must for you to help you get quality maternity care without worrying about the financial impact.

    • Comprehensive maternity covering hospitalization, pre and postnatal care, doctor fees, lab tests, and medication.
    • Medical cover for new-born babies including screening tests, physical examinations and vaccinations.
    • Tax benefits on the premium paid for the policy.
    • Cashless treatment at any of the network hospitals.

    Diabetes Health Insurance

    Diabetes is a medical condition that has affected the lives of millions of Indians. The treatment costs can be expensive and impact the monthly savings of a family. This is why diabetes health insurance plans are designed to help individuals deal with expensive treatment costs. Care Health Insurance (formerly Religare Health Insurance) provides a customized health insurance plan for diabetes with hospitalization cover and numerous benefits for the insured person, as specified below:

    • A range of sum insured options offering coverage for hospitalization expenses.
    • Cover for pre and post hospitalization expenses, domiciliary hospitalization and dialysis cover.
    • The initial waiting period of minimum 30 days and lifelong renewability.
    • Facility to avail annual health check-up.

    Heart Insurance

    With the rise in heart-related ailments, it is of paramount importance to take suitable health care measures. Buying a health insurance plan is also recommended as medical costs are steadily on the rise. Heart insurance policies cater to the specific healthcare needs of individuals suffering from heart ailments and help them minimize the financial burden. Such plans provide comprehensive coverage for pre-existing heart illnesses entailing expenses resulting from hospitalization, pre and post hospitalization, alternative treatment methods, ambulance, OPD care, domiciliary hospitalization, etc. In addition, policyholders can avail additional benefits such as automatic recharge facility, no claims bonus, international second opinion as well as cardiac health check-up.

    Health Insurance Super Top Up

    Super Top-up health insurance plans offer coverage for medical expenses only after a defined threshold limit has been reached. They work on the principle of Policy Deductible which is a predefined amount borne by the policyholder. Any amount over and above policy deductible will be borne by the insurer. In other words, super top-up health insurance plans serve as additional health cover for people already having an existing individual or Mediclaim policy.

    Super Top-up plans offer a host of benefits for the insured. Given the growing medical inflation, many people cannot afford to have an additional financial burden by spending a huge amount on premiums for medical insurance policies. This is when super top-up health insurance plans offer numerous benefits:

    • Flexible options when it comes to choosing deductible and sum insured max up to 55 lakhs.
    • Direct insurance claim settlement.
    • Option to avail medical treatment anywhere in the world.
    • Hassle-free cashless treatment facility at a network hospital.
    • Explore our online health insurance plans and enjoy a smooth paperless purchase process, all within a few minutes!

    Why Do you need a Health Insurance Plan

    Events and ailments cannot be predicted. They can happen to anyone, any time. With modern lifestyle moving towards rising workload, irregular food habits and variable sleep patterns, your body deserves a significant amount of attention to be working in a balanced manner.

    Health Insurance is a shield that protects you and your loved ones in cases of medical emergencies.

    A right health insurance plan makes sure that financial crisis is not an issue during a medical emergency.

    With the skyrocketing cost of healthcare in the country, opting for a good health Insurance Plan is a smart decision for the safety of the individual and family as a whole.

    How Care Health Insurance Plans Can Help You?


    Cashless Healthcare Provider

    23 Lacs +

    Claim Settled*


    In-house settlement for better management


    Industry best claim settlement ratio*


    Less grievance ratio per 10,000 claims

    What Does Health Insurance Not Cover?

    As a health insurance policy buyer, you must check for the policy exclusions specified by the insurer in order to understand the scenarios where making a claim will not be possible. Knowing about these exclusions will enable you to plan your finances in times of emergencies. Some exclusions are mentioned below:

    • Any reports of drug or substance overuse or rehab facilities.
    • Ongoing treatments before the commencement of policies.
    • Diagnosis and treatment of congenital diseases.
    • Injuries faced due to an attempt to murder or self-inflicted wounds.
    • Abortion or miscarriage.
    • Any other unnatural cause of physical injury.

    How to Choose the Best Medical Insurance Policy?

    Buying the best health insurance policy involves careful planning and consideration of various factors. The first step involves identifying the healthcare needs of you and your family, and opting for a suitable plan, say a Family Floater Policy. If you have elderly parents at home, it is wise to go for a senior citizen health insurance plan. The next factor to consider is good coverage in terms of the sum insured keeping the likely health risks in mind. Look for a cashless hospitalization feature in your policy that lets you avail cashless treatment in any of the network hospitals. Affordable premium and reasonable sub-limits on certain medical expenses for the highest possible coverage are some other factors to look for when choosing the best medical insurance policy.

    Benefits of Health Insurance Plans

    • Guarantees financial protection during medical emergencies by covering major medical expenses, thus saving one from out-of-pocket expenditures.
    • Customized health insurance plans like personal accident cover,health cover for senior citizens, maternity cover, etc. based on the health needs of you and your family.
    • Coverage for hospitalization expenses
    • Pre and post hospitalization expenses including cover for OPD costs, lab tests, doctor's fee, etc.
    • Critical illness cover for expenses related to the treatment of life-threatening conditions.
    • Additional benefits such as lifelong renewability as well as cover for alternative treatments, ambulance costs, day-care procedures, health check-ups, etc.
    • Financial benefits upon policy renewal for having a claim-free year.
    • Choice of availing the best possible treatment in a range of network hospitals spanning across locations.
    • Tax benefits under Section 80D of the Income Tax Act with deduction up to Rs 25,000, if you are below 60 years of age.
    • Additional tax deduction of Rs 50,000 on the health insurance premium paid for senior citizen parents.

    7 Reasons to Buy Medical Insurance Policy Online

    If you plan to buy medical insurance online, here are some of the advantages you would get:

    • Customized Policies: Option to choose medical insurance policy as per your requirement.
    • Convenience of Comparing Policies: Select the best health insurance policy by comparing premium rates and features.
    • Hassle-free Transactions: Opt for convenient payment modes for easy transactions.
    • Secure, Faster and Time Saving: Browse through various policies at the comfort of your home.
    • Easy claim settlement: Paperless process for filing claims and quick processing.
    • Tax Advantages: Get tax deduction on premium paid under Section 80D of the Income Tax Act.
    • Policy Renewal: Option to enhance sum insured upon policy renewal.

    Additionally, an online mediclaim policy is also affordable while it offers adequate coverage for your medical expenses, thus proving to be the best financial support for any medical emergency.

    5 Important Things to Consider Before Buying a Health Insurance Policy

    • Coverage: Buy a policy that offers you the right coverage amount for wide-ranging medical expenses incurred by you including pre and post-hospitalization costs.
    • Cashless Treatment: Look for accessible network hospitals of your insurer for easy and cashless treatment.
    • Lifelong renewability: Choose plans that offer you the advantage of lifelong policy renewal.
    • No claim bonus: Choose plans with benefits for a claim-free year like higher sum insured and discounts on premium costs.
    • Maternity benefits: Pick a health insurance plan that provides comprehensive maternity cover benefits.
    • Annual Medical Check-ups: Say yes to a policy with features like annual health check-ups.
    • Claim settlement: Consider the benefits in terms of high claim settlement ratio and hassle-free processing of claims.

    Health Insurance Premium

    Health insurance premium is the amount of money you pay periodically to your insurer in order to avail the benefits of your health insurance plan. Premium is one of the crucial factors to consider when comparing various health insurance plans in order to make the right selection based on your needs. By using a medical insurance premium calculator, you can get a clear estimate of how much you are required to pay for your policy. When you opt for health insurance online, you have the advantage of paying the premium digitally.It is highly convenient as it reduces manual efforts of buying process and lets you plan your budget in a better way

    Factors Affecting Health Insurance Premium

    Every insurer adopts a complex risk assessment method to determine the health insurance premium payable by the policyholder. Several factors are considered while deciding the premium amount and they are mentioned below:

    • Age: Premium tend to go higher as a person ages since the health risks increases.
    • Lifestyle habits: Premium is likely to be higher if a person has a history of tobacco use/smoking/drinking. Also, premium for those working in a risky environment are higher.
    • Body Mass Index (BMI): If the BMI of the individual is not within prescribed limits, the health risks increases and so does the premium.
    • Health conditions: Pre-existing conditions like diabetes and hypertension, at the time of buying the policy impact premium costs.
    • Gender: Women are often required to pay higher premium as their chances of hospital visits in a lifetime are higher as compared to men.

    Care Health Insurance (formerly Religare Health Insurance) offers various types of health insurance plans with different coverage for each. You can alter the various factors, when selecting health insurance online. as per your preference and also add or remove family members from a specific plan.

    Health Insurance Claims Process

    The efficiency with which an insurer settles the claim of customers and a good incurred claim ratio is an indication of the financial health of the company. When it comes to getting a prompt claim settlement, it is essential for every buyer to clearly understand the claim procedures. Claims are processed in two ways - one is the cashless health insurance claim processing and another procedure involves reimbursement of medical expenses incurred by the policyholder. Cashless Claim Process A cashless medical insurance claim processing facility is available only if the insured person avails treatment in any of the network hospitals of the insurer. The insured person is required to obtain and submit a pre-authorization form to the hospital's Insurance or TPA desk. This facility is available for both planned and emergency hospitalization. Reimbursement Claim Process Health insurance claims are also processed by reimbursing the treatment expenses incurred by the insured person at any hospital. Apart from informing the insurer in a timely manner, the insured person requires to furnish vital details and documents like photo-id proof, hospital bills, etc. to the insurer for the smooth claim processing. Health Insurance Portability Health insurance portability is a provision given to a policyholder or group of individuals covered under a medical insurance policy to transfer the benefits and time-bound exclusions when switching from the current insurer to another insurer. In particular, these benefits pertain to the waiting period for pre-existing diseases. Porting of a health insurance policy can be done under certain conditions. That is, at the time of policy renewal so that the new policy period starts with the new insurance company. It is applicable not only when moving from one insurer to others, but also from one policy to another policy with the same insurer. As per IRDA guidelines, a policyholder who wants to port his policy to another insurer should apply at least 45 days before the premium renewal date of the existing health insurance policy.

    How to Port a Health Insurance Policy?

    A policyholder can port his or her health insurance policy by following a few simple steps as explained below:

    • Step 1: Fill the application and send it to the new insurer at least 45 days before the expiry of the policy.
    • Step 2: Duly fill the forms pertaining to medical insurance portability and furnish relevant documents.
    • Step 3: Wait for at least two weeks, the time period required to port the policy, subject to timely approval of all documents and application requests.
    • Step 4: All information pertaining to health insurance porting would be uploaded to the official portal of IRDA.
    • Step 5: The proposal will be framed as per all the norms, subject to timely receipt and verification of information.
    • Step 6: The new insurer will accept and offer a proposal within 15 days.

    Health Insurance Tax Benefits

    You are eligible to get income tax benefits on health insurance premium paid towards your policy subject to certain limitations. Consult a tax consultant or auditor to clearly determine the actual eligibility and deduction amount. Under section 80D of the Income Tax Act, you can claim deductions when filing tax returns. Mentioned below are some ways you can qualify to save tax and the limits under this ruling.

    • Claiming a tax deduction up to INR 25,000 if you are below 60 years of age and up to INR 50,000 if you are above 60 years of age.
    • Avail additional deduction up to INR 50,000 if you have paid a premium for a health insurance policy for either of your parents.
    • Health insurance premium paid only by way of banking channels is considered for a deduction.You are not eligible for getting tax deductions for making cash payments for the premium.
    • Premium payments are considered for a financial year, and if you have a family floater health insurance policy, the premium paid towards health insurance for you, your spouse, dependent children are allowed for deduction.

    What You Need to Know about Online Insurance Payment ?

    Getting an online medical insurance policy has become effortless nowadays, thanks to the advancement in technology. You can now find the best health cover for you or your loved ones from the comfort of your home without even stepping out. Further, the option to buy insurance online also implies the convenience of making digital payment of the health insurance premium, the amount you have to pay regularly to get the continued coverage. After you have made the right choice of health cover that is adequate for your needs, you can proceed to pay the premium through any of the secure digital payment modes, such as net banking, debit or credit cards or payment wallets, etc.

    Here is a quick summary of the various steps you should follow for making online insurance payment:

    1. Visit our website and select a health policy.
    2. Click on ‘Get Quote’ and provide relevant details
    3. Enter the required information and customise your policy
    4. You will be redirected to the payment section
    5. Make payment through any secure digital payment modes
    6. You will get the policy documents on your registered email-id

    A Quick Guide to Renew Insurance Online

    Every health insurance policy offers coverage and various benefits to the policyholder for the specified policy tenure for which one has paid the premium. The policy will be terminated when the term for policy ends.

    Renewing health insurance policy is crucial to avoid interruption in the coverage and ensure that your loved ones stay protected and continue to get all the policy benefits, including no claim bonus, cover for a pre-existing ailment, etc. The option to renew insurance online is available for the policyholders.

    The procedure to renew insurance online involves the following steps:

    1. Visit our official website for health insurance policy renewal
    2. Go to the renew section
    3. Enter the complete details, such as policy number, contact number, etc.
    4. Under the payment section, pay the renewal premium through any secure payment mode

    The way you buy health insurance online, you also have the facility to renew you health cover through the digital mode, thus saving a lot of efforts


    Q. Why Do I Need a Health Insurance Plan?

    Medical advancement has improved the quality of the healthcare facilities, but on the other side, it has also given rise to medical inflation. Hospitalization, treatment costs, and medicines costs are skyrocketing, and if any medical emergency occurs, it can drain all your money. Therefore, to protect yourself and your loved ones from financial distress during medical emergencies, you need a health insurance plan. Below are its benefits:

    Hassle-free cashless hospitalization at the time of emergencies.

    • Coverage for pre and post-hospitalization expenses.
    • Cover Day Care Treatment such as dialysis, chemotherapy, cataract, stone surgery and more.
    • Provide domiciliary hospitalization if beds are not available in the network hospitals.
    • Covered ambulance expenses.
    • Free annual health check-ups for members insured.
    • Lessen the financial burden.
    • Quick assistance at the time of emergency.

    Q. How Does Health Insurance Work?

    Health Insurance covers your pre and post hospitalization expenses along with your diagnosis, medicine, and treatment expenses. It can be a cashless or reimbursement facility. In a cashless facility, we pay your bills directly to the hospital, once you submit all the required documents to our claim management team. Under reimbursement, we give you the amount you incur on your hospitalization and treatment after you submit your medical bills to us. The medical treatment costs can burn a hole in your pockets and drain all your savings. So, investing in good health insurance is a wise decision you can take to secure yours and your family's future.

    Q. What is the Difference Between Individual and Family Health Insurance Policy?

    When you buy a health insurance policy for yourself, it is an individual health insurance policy. Under this policy, only one insured individual is entitled to get the policy benefits. Whereas, when you cover your family members such as a spouse, dependent parents or children under one policy, it is known as a family health insurance policy. Under this policy, all insured members can avail of the policy benefits.

    Q. How to File a Health Insurance Claim?

    Filing medical insurance claims is no longer a daunting task. Read the below steps and get it done easily:

    Claim Process for Cashless Hospitalization

    • Get the health insurance policy claim form from the insurance help-desk of the network hospital and fill all the required details.
    • Collate all the medical bills, diagnosis and doctor's prescription.
    • Submit all the required documents along with health insurance policy claim to your insurance company.
    • Once your documents will be verified by the insurer you will receive an approval letter from the side of the claim management team.
    • Query might be raised from the claim management team.

    After approval, your hospitalization expenses will be borne by the insurer directly to the respective hospital.

    Claim Process for Reimbursement

    • Fill health insurance claim reimbursement form and attach all the required documents along with the form.
    • Submit the form and the required documents to the insurer. Claim management team may raise the query.
    • Once they cross-check and verify the documents you will get an approval letter from the claim management team.
    • After approval, your hospitalization expenses will reimburse you by the insurer up to the sum insured.

    Q. Can I Buy Medical Insurance and Use it immediately?

    Yes, you can buy medical insurance immediately from us. We have only 30 days waiting period. It means you have to wait only for 30 days for any illness other than injury to avail the benefits of the policy.

    Q. What do you mean by Network and Non-Network Hospitals?

    Network hospitals are partnered with us. These hospitals are well-renowned for healthcare services and have trained medical professionals. You can get the claim under health insurance policy only when you are admitted to any of our network hospitals. We provide you with the list of network hospitals at the time of purchasing insurance cover. Non-network hospitals do not have tie-ups with us, and you are not entitled to get any claim if you get admitted to any of the non-network hospitals.

    Q. How is the Premium Calculated for Health Insurance?

    It's easy to calculate the premium for a health insurance policy. You can use our online premium calculator available on our website. However, the amount may vary according to age, pre-existing disease, income, and a number of family members need to cover. If you already have any pre-existing disease then, in that case, your premium will be higher than those who don't have. Further, it will also help you to prepare your budget and invest in the policy that will be cost-effective and gives you more coverage.

    Q. How Does No Claim Bonus Work in a Medical Insurance Policy?

    No Claim Bonus or NCB is a reward that you get from us under your health insurance policy for not claiming during your policy tenure. It is the bonus amount that gets accumulated to the sum insured for every claim-free year. It is a double bonus you can avail of on your health insurance policy. For instance, we offer a 10% increase in the medical insurance policy sum insured for every claim-free year, with no change in premium. So, a policy with a sum insured of Rs.5 lakh will get an extended cover of Rs.50, 000 in the following year at the same premium. In a claim-free third year, another 10% extra cover on will be added in the base sum insured, taking the total to Rs.6 lakh. A maximum bonus of up to 50% is permissible. In the case of a health insurance claim, the accumulated bonus is reduced by 10%. It makes you strong to face any medical emergency in the future.

    Q. What is the Difference Between Group Health Insurance and Individual?

    Group health insurance is designed to protect the employees of any corporation or institution. It offers sum insured options from 50 thousand to 10 lakhs with different family definitions. It also provides additional benefits like wellness initiatives, complementary annual health check-ups, etc. However, individual health insurance is for a single person, and only one individual insured can avail of its benefits.

    Q. How to Claim Tax Benefits on Medical Insurance Policy Premium?

    Premium is the amount that you have to pay to us against the sum insured. You will be glad to know that you can easily claim tax benefits on the medical insurance policy premium. Under Section 80 D of the Income Tax Act, the premium paid for the health insurance policy for self, your dependent parents, spouse, and children are exempt from tax. You can claim Rs.25000 for individual and family health insurance and up to Rs.50000 for senior citizens per year.

    Q. What Does a Deductible Mean in Health Insurance?

    Deductible in health insurance means the amount that you have to pay to us before we start paying your claims. Therefore, we are liable to pay your claim amount only if it exceeds the deductible. For instance, if the deductible of your policy is Rs.20, 000, and the claim by the insured is Rs.30, 000, then we pay you Rs.10, 000. However, if the claim amount is less than the deductible, then we are not liable to pay any amount. The higher your medical insurance premium, the lower is your deductible.

    Q. What is Waiting Period in Health Insurance?

    DIt is the period until which you have to wait before the health insurance coverage comes into effect. You will get all the benefits after the completion of the waiting period. We have a 30 days waiting period for a health insurance plan. It is also known as the elimination period.

    Q. How Long Does it Take to Process a Health Insurance Claim?

    We take 15 days after receiving the required documents from you to process your health insurance claim. However, it can take a long time depending on the verification process conducted by our claim management team.

    Q. What are the Documents Required for Medical Insurance Claims?

    Below is a list of the documents you required for medical insurance claims:

    • Duly complied and signed claim form.
    • Doctor's prescription and referral letter.
    • Diagnostic tests and reports.
    • Original bills, receipts and discharge papers from the hospitalization.
    • Original bills from pharmacy/chemists.
    • Provide the Police Report or FIR if personal accident.
    • Post-mortem report. Death certificate.
    • Policy details including number, name of the policyholder, nature of the illness, address and other required information.

    Q. How Can I Get Tax Benefits From Medical Insurance?

    You can get the tax benefits from health insurance under the following:

    Tax benefit on Premium You can claim Rs.25000 for individual and family health insurance and up to Rs.50000 for senior citizens per year.

    Tax Deduction on Single Premium Health Policies: On a lump-sum premium paid in a single year for a health policy valid for more than one year you can claim a deduction up to Rs.50000.

    Q. What Happens If I Don't Pay My Health Insurance Policy Premium?

    If you don't pay your health insurance policy premium on the due date, then we will give you a grace period immediately following the premium due date. It is 30 days extra time given to you to make the payment. If you still do not make the payment during the grace period, then no coverage will be provided for that particular period.

    Q. Can I Increase Health Insurance Cover During Renewal?

    Yes, you can increase your health insurance cover during renewal. If required, we have to review your health, claims history, age, etc. before increasing your cover. You have to pay an extra premium as per the cover you want to add in your medical insurance policy to avail of more benefits.

    Q. What Do I Do If My Medical Insurance Claim Is Rejected?

    There are various reasons for medical insurance claim rejection. If your insurance claim got rejected, follow the below steps:

    • Check the reason for claim rejection from Claim Management Team.
    • See your health insurance claim form again and make sure that you have given the right name and policy number.
    • Make sure you have provided all the required information to avoid system error due to insufficient information.
    • Check all the documents attached with the medical insurance claim form.
    • Write a letter to Claim Management Team informing them the genuine reason for filing the claim.
    • Contact to Ombudsman for settlement.

    Q. What Does the Sum Insured Mean in a Health Insurance Plan?

    Sum Insured means the amount specified in the policy certificate, which represents the company's maximum, total, and cumulative liability against the insured person. All claims arising under the health insurance policy shall not exceed more than the Sum Insured.

    Q. Can I Have Multiple Health Insurance Plans?

    No, you cannot have multiple health insurance plans for yourself. You can buy it for yourself, spouse, dependent parents, and children. You cannot claim two policies at the same time.

    Q. Does Medical Insurance Premium Increase with Age?

    Yes, medical insurance premium increases with age. With the increase in age, the probability of health problems also rises; thus the premium amount also goes up.

    Q. What Should I Look For in a Health Insurance Plan?

    Keeping in mind the day-to-day lifestyle, eating habits, pollution, and stress level, it's better to stay financially protected. These days a plethora of health insurance plans are available, but you should wisely pick the one that best suits your needs. Here you can consider below points while looking for a health insurance plan:

    • Look for Maximum Coverage
    • Amount of Premium
    • Check Exclusions
    • Ask For Waiting Period
    • Check the Sub-Limits
    • Check the Age

    Q. How Can I Pay Health Insurance Premium?

    You can pay health insurance premiums via cheque, net banking, debit card, credit card, and payment wallets.

    Q. Can I Add My Elderly Parents on My Medical Insurance Policy?

    No, you cannot include your elderly parents on your medical insurance policy. Instead, you can buy health insurance for parents for them.

    Q. Can I Get Medical Insurance Policy if I am Over 65?

    Yes, you can get a medical insurance policy if you are over 65. You can opt for Senior Citizen health insurance that has a 20% co-payment clause. It covers pre and post hospitalization expenses and also provides the facility of cashless hospitalization at an affordable premium.

    Q. What Should I Do if I Want to Increase the Sum Insured in my Health Insurance Policy?

    You can increase the sum insured in my health insurance at the time of policy renewal. Policyholders have the option to increase the sum insured after certain medical tests and a revision of the claim history. But it can't be increased further if the existing sum has already met the sum insured limit of your policy.

    Q. What are Pre and Post Hospitalization Expenses?

    Pre Hospitalization: expenses that are incurred before you get admitted to the hospital for further treatment are known as pre-hospitalization expenses. Following are the admissible pre-hospitalization expenses:

    • Medical Tests such as blood, sugar, BP, and urine test ultrasound and x-rays.
    • Medicines
    • Vaccinations
    • Doctor's Consultation Fees.

    Post Hospitalization: Expenses that are incurred after you admitted to the hospital for your further treatment are known as post-hospitalization expenses. Following are the admissible post-hospitalization expenses:

    • PET SCAN, MRI, Kidney Functioning Test, ECG, Endoscopy, Angiography and other.
    • Advance medicines.
    • Advance Vaccinations.
    • Dialysis, Surgery, Organ Replacement and Physiotherapy, Daycare treatment, Chemotherapy Doctor's Consultation Fees.

    Q. What is a Cashless Facility?

    Under the cashless health insurance facility, you do not need to pay a single penny out of your pocket in case of hospitalization. All the medical, surgical, and treatment bills, will be directly paid by us to the network hospital. These are the hospitals that have tie-ups with us, and you are eligible for cashless hospitalization here only.

    Q. What is the Pre-Existing Condition in Health Insurance Policy?

    A pre-existing condition in a health insurance policy means any health issue that the individual has been facing before purchasing health insurance. The pre-existing conditions include all health issues ranging from high blood pressure, thyroid, diabetes, asthma, etc.

    Q. How can Smoking Affect my Medical Insurance Premiums?

    Smoking increases health risk, that's why we charge a higher health insurance premium, to mitigate the risks associated with it. We conduct medical tests to detect regular smokers and determine the premiums for coverage accordingly.

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