Get coverage built to protect your health.
Health insurance is a type of insurance coverage that helps to pay for medical and surgical expenses incurred by the insured. It can also provide protection against the costs of long-term care, and death.
Health insurance policies can be classified into three broad categories: comprehensive (covers everything), major medical (covers hospitalization), and catastrophic (covers hospitalization and some other high-cost procedures).
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What risks does your policy cover?
Risks that are covered by health insurance policies vary from one policy to another. These risks can include:
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Health Insurance at a Glance
| Categories | Specifications |
|---|---|
| Sum Insured | ₹50,000 to up to ₹3 crore |
| Maternity Cover | Available |
| Pre & Post-hospitalization Expenses | Covered |
| OPD Cover | Available |
| ICU Charges | Covered |
| Free Health Check-ups | Available |
| Pre-existing Diseases | Covered* |
| Ambulance Cover | Available |
| Day Care Procedures | Covered |
| Tax Benefits | Up to ₹75,000 per financial year |
Best Health Insurance Plans in India 2024
Aditya Birla -Activ Care Plan
Aspire Start Young Plan
Care Health Insurance - Care Supreme
Activ Secure-Critical Illness Plan
Global Health Secure Plan
Activ Secure-Personal Accident Plan
Aditya Birla Health Insurance-Platinum
Aditya Birla Health Insurance-Diamond
Niva Bupa Health Insurance - heartbeat Plan
FAQs
First you should know about health insurance. After that you must ask your insurer what type of insurance plan will be best for you. There are three types of health insurance plans on offer - fixed benefit, medical and critical illness. Go thoroughly through the benefits of each plan and then choose the one that best caters to your requirement.
Policy is the literally very helpful thing that Policy coverage or inclusions is the set of conditions that are covered under the health insurance policy that can be claimed. The coverage of a health insurance policy may include hospitalization charges, pre and post hospitalization charges, ambulance services, laboratory tests, prescription drugs, organ donor charges, and others. You must read the policy document carefully to understand the exact coverage on offer.
Policy exclusions are the conditions that the policy will not cover. Some insurance policies do not cover the treatment of certain diseases in the first year but after a waiting period. The exclusions in the policy may differ from one insurer to another, therefore being aware of these exclusions is equally important as that will help you decide which policy to buy.
Certain health disorders require you to undergo routine medical check-ups. You must ask whether or not your plan will pay for your routine check-ups.
You must be clear about the cost of the plan. The cost of the plan is the monthly premium or the amount you pay per month to your insurer to keep your health cover active. Depending on the type of plan you choose and the amount of coverage you require, the cost can vary.
When it comes to determining the premium you pay for your health plan, age is a major factor. The older you are, the more prone you are to diseases and so the premium cost will be higher. Previous medical history also plays a role in deciding your health premium. If you are healthy with a favorable medical history, your premium tends to be lower.
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