Health
Insurance

Protect your loved ones with the best-in-class medical coverage and cashless hospital benefits.

What is Health Insurance?

Health Insurance is a financial protection plan that covers your medical expenses during illnesses, accidents, or hospitalization. It acts as a safety net, ensuring that you and your family do not face financial stress during medical emergencies. Contrary to the common belief that only elderly individuals need health insurance, it is essential for people of all age groups. A well-chosen health insurance policy provides peace of mind by covering hospital bills, treatments, and other healthcare expenses. It also offers benefits like pre and post-hospitalization costs, annual health check-ups, and tax savings under Section 80D.

Importance of Health Insurance

Why Do You Need a Policy?

With rising costs, health insurance is essential for your family s financial stability.

Financial Protection

Ensures savings stay safe during medical emergencies.

Medical Inflation

Manage rising costs and receive best treatment easily.

Tax Benefits (80D)

Claim tax deductions on premiums under Section 80D.

Pre-existing Cover

Chronic conditions protected after a waiting period.

Cashless Treatment

Get treated at network hospitals without upfront cash.

Ambulance Charges

Emergency transport costs are covered for quick access.

Why Choose Us?

Trusted partner offering customized and affordable health solutions with seamless claim assistance.

Anywhere Cashless

Avail Cashless Claims across India with 14000+ Network Hospitals.

24*7 Support

Call for claim intimation and telehealth services anytime, 24*7.

In-house Settlement

We settle claims without TPAs through our qualified in-house team.

3-Hour Approval

96% of cashless claims are settled within just 3 hours for quick care.

Quality Network

Best insurance plans under our verified network for quality treatment.

Awarded Service

Awarded for best claim settlement and innovative health products.

How to choose the best health insurance plan?

Knowing the inclusions and exclusions help you choose the best medical insurance plan. Here is a guide to help you through the process.

Hospitalisation Expenses

Covers room rents, ICU charges, surgery expenses, and doctor consultations.

Pre & Post-Hospitalisation

Covers medical expenses incurred before and after hospitalisation for a fixed period.

Road Traffic Accident

Accidents are unpredictable. Most plans cover in-patient hospitalisations due to road accidents.

AYUSH Cover

Covers alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

Health Check-up

Policies often cover the expenses incurred for annual or periodic preventive health check-ups.

Automatic Restoration

Restores 100% of Sum Insured automatically after it's exhausted during the policy year.

Compare Health Insurance Plans

Compare and choose from India s top health insurance providers. Secure your family s health with plans that offer maximum coverage.

Care Health Insurance Niva Bupa Health Insurance Star Health Insurance

Care Health Insurance

Care Health (formerly Religare Health) offers innovative health plans with OPD coverage, instant cover for pre-existing diseases, and global coverage options. Known for customer-centric policies and fast claim processing.

Instant cover for pre-existing diseases

OPD coverage & health check-ups

Air ambulance & global options

No co-payment clauses

Unlimited automatic recharge

Maternity & newborn cover

Wellness benefits & rewards

Niva Bupa Health Insurance

Niva Bupa (formerly Max Bupa) brings world-class health insurance with direct claim settlement, refill benefit, health coaching, and international coverage. Known for premium plans with extensive network hospitals.

Direct claim settlement - no TPA

Sum insured refill benefit

Health coaching programs

International second opinion

Short waiting period for PED

Maternity & newborn baby cover

Loyalty bonus multiplier

Star Health Insurance

India's leading standalone health insurance specialist. Star Health offers comprehensive coverage with no room rent capping, cashless treatment at 14,000+ network hospitals, and quick claim settlement.

No room rent capping

14,000+ network hospitals

Daycare & AYUSH coverage

Automatic restoration of sum

No-claim bonus up to 100%

Wellness & health check-ups

Transparent claim settlement

Health Insurance FAQs

Everything you need to know about protecting your health.

Health insurance is a policy that covers medical expenses such as hospitalization, treatments, surgeries, and preventive care, helping you avoid financial burden.

It protects you from high medical costs, ensures access to quality healthcare, and safeguards your savings during emergencies.

Everyone—whether young, old, salaried, or self-employed—should have health insurance to stay financially protected.

Cashless insurance allows you to receive treatment at network hospitals without paying upfront. The insurer settles the bill directly.

A family floater plan covers all family members under a single policy with a shared sum insured, making it cost-effective.

These are medical conditions you have before purchasing the policy. They are covered after a specific waiting period.

The waiting period is the time you need to wait before certain benefits, like pre-existing disease coverage, become active.

Yes, most modern health insurance plans include coverage for COVID-19 and other infectious diseases.

Yes, many health insurance policies cover ambulance expenses during medical emergencies.

Expenses incurred before hospitalization (tests) and after discharge (medicines, follow-ups) are covered under most plans.

Yes, premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act.

It depends on your lifestyle, but it is generally recommended to have at least ₹5–10 lakh coverage.

Common exclusions include cosmetic procedures, self-inflicted injuries, and pre-existing conditions during the waiting period.

Compare plans based on coverage, premium, hospital network, claim settlement ratio, and benefits.

You can file a claim either through cashless treatment at network hospitals or via reimbursement by submitting bills.