Why it matters
Healthcare costs rise every year. Health insurance means timely treatment without draining your savings.
- Hospitalisation expenses covered
- Cashless treatment at network hospitals
- Protection against medical inflation
- Pre- and post-hospitalisation costs
- Peace of mind in emergencies
Types of plans
01Individual
Covers one person.
02Family floater
One sum insured shared by the whole family.
03Senior citizen
Designed for people above 60.
04Critical illness
A lump sum on diagnosis of specified critical illnesses.
05Group health
Offered by employers for employees and their families.
06Top-up & super top-up
Extra cover on top of your base policy.
What's covered, what isn't
Covered
- Hospitalisation
- Day-care procedures
- Pre- and post-hospitalisation
- Ambulance charges
- Doctor consultations
- ICU expenses
Usually not covered
- Cosmetic treatment
- Self-inflicted injuries
- Non-prescribed treatment
- Some pre-existing diseases during the waiting period
How much cover?
It depends on age and health, family size, city, lifestyle and medical history. We suggest at least ₹5–10 lakh for an individual in a metro city.
Tax benefits under Section 80D
Tax benefits are as per prevailing tax laws and are subject to change. Deductions under 80C / 80D apply to the old tax regime.
Myths
Before you buy
- Sum insured
- Network hospitals near you
- Claim settlement ratio
- Waiting periods
- Sub-limits and exclusions
In short
Health insurance is a necessity, not an expense. Buying early gets you lower premiums and wider coverage.
Insurance is the subject matter of solicitation. For details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
