Health Insurance

What is Health Insurance?

Compare & buy India’s best health insurance plans online covering ✓Cashless Hospitalisation ✓Day Care Procedures ✓Pre & Post Hospitalisation ✓Free Health Check-ups ✓Maternity Expenses ✓Tax Benefits.

Why buy Health Insurance?

• Medical inflation is rising 12-14% per year — a single ICU stay can wipe out years of savings
• Cashless treatment at 10,000+ network hospitals means no out-of-pocket payment at admission
• Section 80D tax deduction up to ₹25,000 (₹50,000 for senior citizens)
• Lifetime renewal available — you can keep the same plan for life
• Comprehensive cover for self, spouse, children, and parents under one floater

Key benefits

• In-patient hospitalisation, ICU charges, room rent up to plan limit
• Pre-hospitalisation (typically 30-60 days) and post-hospitalisation (60-180 days)
• Day-care procedures (cataract, chemotherapy, dialysis, etc.)
• Restoration of sum insured after a claim — protect yourself for the rest of the year
• No-claim bonus that adds extra cover for every claim-free year
• Annual health check-ups for the family

What to check before you buy

• Pick a sum insured of at least ₹5 lakh per adult in metro cities
• Check the room-rent capping — sub-limits can dilute your cover
• Look for low waiting period for pre-existing diseases (2-4 years)
• Verify network hospital list near your home/office
• Check claim settlement ratio (above 95% is healthy)

Tax benefits

Premiums paid for self, spouse, dependent children and parents are deductible under Section 80D — up to ₹25,000 for self/family and an additional ₹25,000 (₹50,000 if a parent is a senior citizen) for parental cover. Preventive health check-up deduction up to ₹5,000 is included in the limit.