Overview
Health insurance covers medical expenses arising from illness, injury, or hospitalization. With healthcare costs rising 10-15% annually, adequate health coverage is essential to protect your savings and ensure quality treatment without financial stress.
Who Should Buy?
✓ Essential For:
- •Everyone above 18 years
- •Families with children and elderly
- •Self-employed individuals
- •Those without employer coverage
- •People with pre-existing conditions
- •Senior citizens (critical need)
Coverage Recommendations:
- •Individual: ₹5-10 lakhs minimum
- •Family: ₹10-25 lakhs
- •Metro cities: ₹15-50 lakhs
- •Super top-up: Additional ₹50L-1Cr
Why Buy Health Insurance?
Cashless Treatment
Access network hospitals without upfront payment
Tax Benefits
Deduction up to ₹25K (₹50K for seniors) under 80D
Pre & Post Hospitalization
Covers 30-60 days before and 60-180 days after
Daycare Procedures
Covers treatments not requiring 24-hour admission
No Claim Bonus
Coverage increases 5-50% annually without claims
Lifetime Renewability
Coverage continues throughout your life
Types of Health Insurance
Individual Health Plans
Coverage for single person, separate sum insured
Family Floater Plans
Shared sum insured for entire family, cost-effective
Senior Citizen Plans
Specialized coverage for 60+ age group
Critical Illness Plans
Lump sum payout on diagnosis of specified diseases
Super Top-Up Plans
Additional coverage above base policy, affordable
Key Features to Look For
Room Rent Limit
Choose plans with no capping or high limits
Co-payment Clause
Avoid or minimize percentage you pay
Waiting Periods
Initial 30 days, 2-4 years for pre-existing
Network Hospitals
More hospitals = better accessibility
Protect Your Health & Wealth
Compare plans and get the best health insurance for your family.
Compare Plans