HEALTH INSURANCE
Good Health, Brighter Tomorrows
Comprehensive health insurance plans to protect you and your family from unexpected medical expenses.
- Cashless Treatment
- Wide Network Hospitals
- 24/7 Support
Healthy Family Happy Life 💖
Why Health Insurance is Important?
Medical emergencies can happen anytime. Securing your health insurance ensures you focus on recovery, not financial burden.
Covers High Medical Costs
Protects your savings from draining during hospitalizations, surgeries, and critical illness treatments.
Protects Your Family
Extend robust medical security to your spouse, children, and dependent parents under a single comprehensive plan.
Access to Better Healthcare
Avail premium cashless treatment options and priority admissions across top-tier network hospitals nationwide.
Peace of Mind
Rest easy knowing that unexpected healthcare expenses won’t derail your family’s financial security.
Key Coverages in Health Insurance
Get comprehensive protection with a wide range of benefits.
Hospitalisation Expenses
In-patient care coverage including room rent, ICU charges, and nursing fees.
Pre & Post Hospitalisation
Coverage for medical expenses incurred before admission and after discharge.
Day Care Procedures
Treatments requiring less than 24 hours of hospitalisation, like cataract surgery.
Maternity Benefits
Financial support for delivery expenses and newborn care from day one.
Critical Illness Cover
Lump-sum payout upon diagnosis of serious illnesses like cancer or heart attack.
OPD (Selected Plans)
Outpatient consultations, pharmacy bills, and diagnostic tests covered.
Personal Accident Cover
Accidental death, permanent disability, and emergency medical protection.
Tax Benefits u/s 80D
Save tax up to Rs. 75,000 on premiums paid for self, family, and parents.
Benefits of Health Insurance
More than just a policy – it’s a promise of a healthier, safer tomorrow.
- Financial Protection
- Access to Quality Healthcare
- Covers Your Entire Family
- Customisable Plans
- Lifelong Renewal
- Tax Benefits
Types of Health Insurance Plans
Choose the right plan for your needs.
Individual Health Insurance
Personalized medical coverage securing your solo health journey with total protection.
Family Floater Health Insurance
One family, one premium. Share coverage benefits across all members seamlessly.
Senior Citizen Health Insurance
Specially designed healthcare coverage providing reassurance and comfort in golden years.
Maternity Health Insurance
Comprehensive financial support during motherhood, covering delivery and newborn care.
Get a Free Quote for Health Insurance
Find the best health insurance plan as per your needs. It’s quick, easy and hassle-free!
How It Works?
Get your health insurance in just 4 simple steps.
1. Share Details
Enter basic details about yourself and family members to get started.
2. Compare Plans
Instantly compare multiple tailored health quotes side-by-side transparently.
3. Choose Plan
Select the ideal policy matching your budget, network hospitals, and benefits.
4. Get Insured
Make a direct secure payment & receive your active policy document instantly.
How This Estimate is Calculated This tool uses indicative per-adult cover benchmarks by city tier — ₹10 lakh for metros, ₹7 lakh for Tier 2 cities, ₹5 lakh for smaller towns — adjusted for the age of your oldest covered member and family size. These benchmarks are based on hospitalisation cost data and standard industry guidance; they are not prescribed by IRDAI.
| City Tier | Base Cover (per adult) | Super Top-Up Suggestion |
| Metro city | ₹10 Lakh | ₹25 Lakh (with ₹10L deductible) |
| Tier 2 city | ₹7 Lakh | ₹20 Lakh (with ₹7L deductible) |
| Tier 3 / town | ₹5 Lakh | ₹15 Lakh (with ₹5L deductible) |
super top-up is a secondary policy that activates once your total hospitalisation bill in a year exceeds a set deductible. Combining a base policy with a super top-up is a cost-effective way to get ₹25–35 lakh in total coverage without paying premium proportional to that amount.
IRDAI Consumer Rights on Health Insurance (2024)
Under IRDAI's Master Circular on Health Insurance (May 2024):
- Pre-existing disease (PED) waiting period is capped at 36 months for policies issued from October 2024
- Moratorium: After 5 continuous policy years, insurers cannot deny claims citing non-disclosure (except fraud)
- Portability: You can switch insurers without losing your accumulated waiting period credits
- Free-look period: 15 days (offline) / 30 days (online) to return a new policy for a refund
- For complaints: bimabharosa.irdai.gov.in
super top-up is a secondary policy that activates once your total hospitalisation bill in a year exceeds a set deductible. Combining a base policy with a super top-up is a cost-effective way to get ₹25–35 lakh in total coverage without paying premium proportional to that amount.
IRDAI Consumer Rights on Health Insurance (2024)
Under IRDAI's Master Circular on Health Insurance (May 2024):
- Pre-existing disease (PED) waiting period is capped at 36 months for policies issued from October 2024
- Moratorium: After 5 continuous policy years, insurers cannot deny claims citing non-disclosure (except fraud)
- Portability: You can switch insurers without losing your accumulated waiting period credits
- Free-look period: 15 days (offline) / 30 days (online) to return a new policy for a refund
- For complaints: bimabharosa.irdai.gov.in
Frequently Asked Questions
Get answers to common questions about health insurance.
What is health insurance and how does it work?
Health insurance is a safety net that protects your personal finances. In exchange for a monthly or annual premium, the insurer agrees to cover some or all of your medical and surgical expenses when you get sick or injured.
What expenses are covered under a health insurance plan?
Covered expenses typically include indoor patient hospitalisation fees, ICU charges, surgeon and doctor consultations, nursing expenses, pre- and post-hospitalisation diagnostics, daycare procedures, and emergency ambulance services.
Is maternity cover included in health insurance?
Yes, maternity coverage is included in many modern comprehensive plans. Note that they generally carry a pre-defined waiting period (usually between 1 to 4 years) before you can claim the expenses.
Can I add my parents to a family health insurance plan?
Yes, you can absolutely add your dependent parents or parents-in-law to your family plan. However, due to higher health risks at senior ages, we recommend buying a dedicated senior citizen health insurance plan for them to keep premiums balanced.
Are there tax benefits on health insurance?
Yes! Premiums paid towards health insurance qualify for tax deductions under Section 80D of the Income Tax Act, allowing you to save tax for self, spouse, children, and parents.
Still have questions?
Talk to our insurance expert and get personalized guidance on selecting the perfect cover.
Health Today, Security for Tomorrow
Choose the best health insurance plan for you and your family.