Health
Family's Health, Our Priority.
Health Insurance
Health insurance is crucial for managing medical expenses and minimising out-of-pocket costs by providing coverage up to the sum insured.
Cashless Treatment: Access cashless treatment at network hospitals, with provisions for 30 days pre-hospitalization and 60 days post-hospitalization coverage.
Additional Benefits: Supplement base health insurance with options like Personal Accident (PA) Cover or Critical Illness (CI) Cover at nominal costs, offering extended protection not included in the base plan. PA cover includes disability coverage without waiting periods or medical check-ups.
Senior Citizen Policies: Opt for senior citizen health insurance to ensure comprehensive coverage for elderly parents or secure their old age against costly medical treatments.
COVID-19 Coverage: Most health insurance plans now include coverage for COVID-19 treatment, with specialized policies like Corona Rakshak and Corona Kavach providing lump sum payments and covering consumable items like PPE kits and masks.
Benefits of Health Insurance:
Comprehensive Coverage: Family health plans provide complete coverage for all family members under one policy.
Medical Expenses: Coverage extends to medicinal expenses, including pre and post-hospitalization.
Pre-existing Conditions: Some plans offer coverage for pre-existing diseases after a waiting period.
Claim Reimbursement: Reimbursement for hospitalisation expenses due to medical reasons.
Tax Rebates: Premiums qualify for tax exemptions under section 80D of the ITA, 1961, ranging from Rs. 25,000 to Rs75,000 (subject to changes in tax laws).
Additional Features: Certain plans cover outpatient department (OPD) expenses without requiring minimum 24-hour hospitalisation. Standalone OPD plans are also available.
Key Considerations for Comparison:
Sum Insured: Assess the coverage amount provided.
Premiums: Evaluate the policy premiums against coverage benefits.
Network Hospitals: Check the list of hospitals covered and the claim settlement ratio.
Sub-limits and Waiting Periods: Understand any limitations or waiting periods for pre-existing diseases (PEDs).
Co-payment: Determine if a co-payment clause applies to the policy.
*Disclaimer
*We are committed to providing prompt assistance, aiming to respond within 30 minutes of your inquiry. Our 30-minute claim support service is designed to offer reasonable assistance to policyholders during the claims process. However, it’s important to note that claim settlement, including cashless claims, is subject to the insurer’s terms and conditions. Please be aware that our 30-minute claim support service is contingent upon our operational capabilities and is subject to factors beyond our control, such as system failures or force majeure events. For further assistance, our 24×7 Claims Support Helpline is available at 1800-258-5881. Product information is sourced authentically and is solely based on the information provided by the insurer. Policybazaar serves solely as a facilitator, and claims settlement remains at the sole discretion of the insurer. As per insurance guidelines, you have the option to cancel the policy within 15 days from the issuance date. For comprehensive details, we encourage you to carefully review the Plan Brochure or consult with our advisor at the time of purchase.
*All our health insurance plans cover hospitalization expenses, including COVID-19 treatment, up to specified limits. Additionally, you can purchase specific COVID-19 health insurance policies such as the Corona Kavach Policy and Corona Rakshak Policy.
**All discounts and savings are offered by insurers in accordance with IRDAI-approved insurance plans. #Tax benefits are subject to changes in tax laws, and GST exemptions depend on meeting qualification criteria and submitting relevant documents.
*Our health insurance plans start at ₹1748 per month for a 1 crore coverage for an 18-year-old male with no pre-existing diseases. Renewal premium discounts are available based on the number of wellness points earned in the health insurance policy, offering up to a 100% discount on renewal premiums. For more information on our plans, please carefully review the sales brochure to avail of discounts.
*We offer health insurance starting at ₹400 per month for ₹5 lakh coverage for a 30-year-old male and 29-year-old female residing in Delhi, with no pre-existing diseases.
*For ₹10 lakh coverage, our health insurance plans start at ₹541 per month for a 30-year-old male and 29-year-old female residing in Delhi, with no pre-existing diseases.
*We provide ₹1 crore health insurance starting at ₹762 per month for a 30-year-old male and 29-year-old female residing in Delhi, with no pre-existing diseases.
*For a 5 lakh health insurance plan, our starting price is ₹243 per month (₹8 per day) for a 20-year-old male, non-smoker, residing in Bengaluru, with no pre-existing diseases.
*Our health insurance plans start at ₹2020 per month for ₹1 crore coverage for a 50-year-old male and 50-year-old female residing in Bangalore, with no pre-existing diseases, rounded off to the nearest 10.
*Starting at ₹390 per month (₹13 per day), we offer a ₹1 crore health insurance plan for a 25-year-old male with pre-existing diseases residing in a tier 1 city, rounded off to the nearest 10.
*For a 90 lakh super top-up, the cost is ₹2 per day for a 25-year-old individual residing in Delhi with no pre-existing diseases and a 10 lakh deductible.
*Our health insurance plans start at ₹5654 per year (₹15 per day) for a ₹5 lakh coverage for a 21-year-old male, non-smoker, residing in Karnataka with no pre-existing diseases. Other online discount options are also available as per IRDAI-approved insurance plans
*No medical tests are required unless requested by the insurer’s underwriter. However, for pre-existing diseases, relevant medical proof may be required as per the policy terms and conditions.
*The values for effective cost calculation are indicative and may change based on the selected plan
*Certain covers offer coverage up to double the sum insured for a minimum plan of ₹5 lakh on the first claim only, for individuals up to 45 years of age with no pre-existing diseases. This benefit may be available with or without extra cost, depending on the chosen plan
*Coverage for pre-existing diseases is provided by the insurer as per their underwriting policy.
