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Health Insurance

Name: Health Insurance
Brand: insuranceDekho
Rating: 4.4 (8471 reviews)

A health or medical insurance policy covers your medical expenses for illnesses and injuries including hospitalisation, daycare procedures, ambulance charges, medical care at home, medicine costs, and more. It protects the indi...

Wide range of Plans & Companies

(134 Plans and 22 Companies)

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Written by Abhishek Muraraka

Updated Dec 10, 2024

Reviewed by

Ujjwal Swaru.

Ujjwal Swarup

Reviewer of Insurance Agency

Ujjwal Swarup is a distinguished Business Head in the insurance ecosystem, bringing an extraordinary...

Significance of having a health insurance policy

Following are some significant benefits of a comprehensive health insurance plan

Financial Security

A health insurance policy can free you and your family from the financial burden that comes with a medical emergency, illness or health issues

Peace of Mind

Once you and your loved ones are covered under a health insurance plan, you will have peace of mind and can focus on getting the right treatment stress-free.

Access to Quality Healthcare Services

With the rising expenses of medical treatments, a health insurance policy can provide access to better quality healthcare services.

Altering Lifestyle

Having health insurance can shield you from diseases that may arise due to an altering lifestyle as with our current lifestyle we are faced with severe illnesses.

Choosing a Health Insurance Plan - Factors to Consider

Sum Insured

Sum Insured is the maximum amount or total financial coverage given to you in a single policy year for hospitalisation and medical expenses.

Claim Settlement Ratio

The ratio between the number of claims settled to the number of claims raised in a given year by your insurance provider is called the health claim settlement ratio.

Network Hospitals

Network hospitals help you in getting cashless treatment conveniently as these hospitals have tie-ups with your insurer.

Know more about Network Hospitals

Inclusions and Exclusions

Inclusions are the conditions for which you can make a claim, exclusions are the conditions for which you cannot make a claim.

Waiting Period

Waiting period refers to the period during which you cannot raise any health insurance claim, (usually, min. 30 days from the day of taking insurance).

Add-on or Rider Benefits

Add-ons are supplements you can choose voluntarily by paying an extra premium at the time of your policy purchase.

Health Insurance Calculator

Whom do you want the insurance for ?

You

Couple

Family

Father

Mother

Select the age of all members

You
Select Age

Where do you live ?

Enter Area Pincode

Choose required Coverage for yourself?

5 lac (Recommmended)

Disclaimer : Actual Premium might vary basis your location, age and number of members

Factors That Affect Health Insurance Premium

There are various factors that affect your health insurance premium, here are the ones that matter the most:

It goes like a thumb-rule in the insurance space, that the higher your age, the higher the premium. It is advisable to take health insurance early on since the premium increases with age owing to the fact that the chances of illness increases with age.

Types of Health Insurance Policies

There are various kinds of health insurance policies available in the market that you can choose depending on your requirement and budget. Below are the list of the plans for your reference:

Individual Health Insurance Plan

Policy that covers a single person in case of hospitalisation and medical bills

Eligibility - Individuals

Family Floater Health Insurance Plan

Policy that covers multiple family members under a single plan

Eligibility - Family (including spouse, parents and children)

Senior Citizen Health Insurance Plan

Policy that covers individuals above the age of 65 years

Eligibility - Individuals above the age of 65 years

Critical Illness Insurance Plan

Policy covering an individual for expensive treatment of critical illnesses such as cancer

Eligibility - Individuals

Group Health Insurance Plan

Policies that usually covers a group of people within an organisation or corporate structure

Eligibility - Group of people such as within a corporate ecosystem

Top-up Health Insurance Plan

Policies that help individuals, groups, or family to upgrade their plan and provide additional coverage at a certain additional cost

Eligibility - Everyone (individuals, group, family)

Personal Accident Cover Plan

Policies for individuals who are looking at ensuring a cover for accident or death due to accident

Eligibility - Individuals

Maternity Health Insurance Plan

Policies for individuals/mothers to cover expenses during prenatal, delivery, and post-natal stage

Eligibility - Individuals

Disease Specific Insurance Plan

Policies for individuals who are seeking coverage from a specific disease like diabetes, hypertension, thyroid, heart, kidney, COVID-19, etc.

Eligibility - Individuals

Best Health Insurance Plans In India

Activ Assure – Diamond with Super NCB

Aditya Birla

Cover Amount

5 L lakh

Starting at

476/month

60% no claim bonus
150% restoration benefits

View More Features

Care Supreme

Care Health Insurance Limited

Cover Amount

10 L lakh

Starting at

739/month

No room rent limit
Unlimited restoration benefits

View More Features

Early Cover

Digit

Cover Amount

5 L lakh

Starting at

526/month

Optima secure

HDFC ERGO

Cover Amount

5 L lakh

Starting at

1,312/month

No room rent limit
50% no claim bonus

View More Features

Health AdvantEdge

ICICI Lombard

Cover Amount

5 L lakh

Starting at

664/month

No room rent limit null
20% no claim bonus

View More Features

Key features of a Health insurance policy

Covers pre- and post- hospitalisation charges

A health insurance policy covers your medical expenses end-to-end. The coverage starts from just before hospitalisation to after hospitalisation.

Covers complete On-patient Demand (OPD) Expenses

Most of the health insurance plans are tailored to cover the expenses for your OPD expenses from teleconsultation with doctor to routine diagnostics. However, the terms may vary depending on the insurer.

Cashless Hospitalisation

At the time of need, you simply need to visit a nearby network hospital that has tie-ups with your insurer to avail cashless hospitalisation. This feature becomes beneficial when you require immediate treatment with the worry of fund arrangement.

Covers pre-existing diseases

After the completion of your waiting period as mentioned in your policy certificate, a health insurance policy covers you for your pre-existing diseases as well.

Add-on Benefits

The coverage of health insurance can be further extended by including add-ons such as critical illnesses, maternity, accidental death benefits. However, the premium of the insurance may rise depending on the add-ons.

Provides Tax Benefits Under Section 80D

Having a health insurance plan also provides tax benefits under Section 80D of the Income Tax Act, 1961. You can claim up to INR 75,000* per year depending on the type of plan you buy.

Key features of a Health insurance policy

Cash LessTax Benefits Add onsHospitalisation chargesOPD ExpensesClaim

Eligibility Criteria for Purchasing a Health insurance policy

An individual who is above the age of 18 years can typically be eligible to buy health insurance.
In case of kids, kids above 90 days from their date of birth can be covered under the family floater plan (some plans also cover kids above 17 days)
The individual needs to be an Indian citizen to avail health insurance in India
The maximum age for buying a health insurance is 99 years

List of IRDAI approved Health Insurance Companies

Acko Health Insurance

Claim Settled 74.09%

Star Health Insurance

Claim Settled 99.10%

ManipalCigna Health Insurance

Claim Settled 93.40%

HDFC ERGO Health Insurance

Claim Settled 99.80%

Zuno Health Insurance

Claim Settled 95%

List of IRDAI approved Health Insurance Companies

View All

Types of Health Insurance Plans

Family Health Insurance
With the rise in the cost of quality treatment, it is now crucial to secure your family financially. A family health insurance plan provides benefits to the entire family members under a single sum assured which is divided among all the members and can be availed by all of them or one member of the family. In a family floater plan, you can cover your near and dear ones, including spouses, children, parents, parents-in-law, and others.
Senior Citizen Health Insurance
Individuals at old age are more prone to illnesses. Thus, senior citizen insurance plans are designed for parents and grandparents who are over 60 years of age. The mediclaim insurance policies will protect the senior citizens of the society against financial expenses incurred due to critical illnesses at old age. Some common benefits that come with an insurance plan include expenses related to daycare procedures like chemotherapy, cataract, pre-existing disease cover, and much more.
Individual Health Insurance
Under this plan, a single policyholder is liable to receive the coverage benefits, in return for the premium that an individual has paid. Moreover, the insured is covered on an individual sum insured basis, where they can claim up to the sum insured in case of hospitalization of at least 24 hours. An individual insurance plan is a wise choice as it covers most of the healthcare needs of the insured.
Personal Accident Health Insurance
In the unfortunate event of an accident that could result in death or disability, personal accident health insurance protects the insured. These policies cover the policyholder's medical costs as well as, in some circumstances, any lost wages resulting from accidents. This plan offers a variety of benefits, including accidental death insurance, hospital cash benefits, permanent/total disabilities, and much more.
Health Insurance for Parents
Health plan for parents offers them the required benefit for several health care expenses in old age. Some of these expenses include in-patient hospitalization, pre- and post-hospitalization, daycare treatment, and much more. It is critical for parents to have medical insurance because it protects them from spending their life savings on medical expenses in their old age.
Maternity Health Insurance
Maternity insurance policies pay for all costs up to a certain maximum in the event of birth. These plans cover the costs associated with both normal and c-section deliveries. Some insurance providers' maternity insurance policies additionally cover prenatal, postpartum, and newborn baby costs. If you're thinking about starting a family, you shouldn't put off buying maternity insurance plans because they typically have waiting periods.
Children Health Insurance
Due to a weak immune system, children are more prone to illnesses. Thus, it is crucial to cover them under a reliable health plan. Mostly, insurance companies do not provide plans for children separately, so you can either buy an individual or a family floater. An insurance plan will cover the children for the healthcare expenses such as hospitalzsation expenses, ambulance costs, daycare treatment and much more.
Newborn Baby Health Insurance
Newborn babies demand extra care and facilities in case of their health. Thus, they should be covered under an adequate insurance plan to cover the medical expenses and provide high-quality treatment. If you are planning to cover your delicate one, then you can either buy an individual insurance plan or a family floater insurance. The plans will provide coverage for hospitalization, pre and post-hospitalization expenses, vaccination, and much more.
Self-Employed Health Insurance
In case of accidental emergencies that need medical treatments and hospitalization, the self-employed insurance plan will provide financial protection. The self-employed workers including farmers, small traders, freelancers, and more can not be covered under the group health policy as they neither work in the public sector nor in the private sector.
Women Health Insurance
Women's health protection plans cater to the varied insurance needs specifically of women. However, not many companies provide plans for women, but there are some companies that initiated creating plans for women. You can buy these plans at affordable premiums for the sum insured as per your requirements and budget.
Group Health Insurance
A group insurance plan is framed for the group of employees who work together. It is provided by employers to their employees at low premiums. Under this plan, you get covered for hospitalization occurring due to illness, sickness, accident, critical illness, and maternity. Therefore, an individual is covered by the employer till they are working in an organization.

Rider Covers offered

Health insurance riders or add-ons are supplemental coverage that can be added to your health insurance to customise your plan and help you reap greater benefits. Some key riders that are generally preferred along with health insurance plan are mentioned below:

Critical Illness Cover -

with this add-on, you will be eligible for

A lump-sum payment if you are diagnosed with a long-term or chronic illness like cancer, kidney failure, or stroke.
Some companies offer this add-on for up to 50 critical illnesses.

Maternity Cover -

covers pregnant women who will be eligible for

Getting medical treatment during childbirth.
Some insurers also offer coverage for childcare under this add-on.

Hospital Cash -

with this add-on, you will be eligible for

Non-medical expenses that occur during hospitalisation and are not covered under your regular health plan.
Getting a daily cash allowance for a specific time period as per the limit specified in the policy document.
The daily allowance amount usually ranges from INR 500 to 5000 per day, but may vary depending on your insurer.

Room Rent Waiver -

while a normal health insurance plan covers the room cost to a specified limit per day, with the room rent waiver, you can get

any room of your choice without paying an extra amount

OPD Cover -

an OPD cover can:

Cover expenses of doctor consultation and medicines.

Personal Accident Cover -

a personal accident cover provides:

Financial protection in case the policy holder meets with an accident.
Through this add-on the coverage includes permanent total disability, permanent partial disability, total disability, or death.

International Second Opinion Cover-

this is a beneficial add-on in case:

You are not satisfied with the treatment or recommendation by your existing doctor.
You are looking for a second opinion or expert advice for your treatment.

Air Ambulance Cover -

with this add-on you can:

Avail help in getting transferred to your hospital via air ambulance.
Avail this service either nationally or internationally based on your policy terms.

Reduction in Pre-existing Diseases Waiting Period -

With this add-on you can:

Reduce your waiting period for pre-existing diseases from 48 months to 24 months. The terms and conditions for this will vary based on your insurer.

How to Buy a Health Insurance Plan?

There are three different ways in which you can buy a health insurance plan. With InsuranceDekho, you can make it more convenient. Here’s how:

Online Process
Offline Process

Online Process

You can purchase health insurance in two ways, either with InsuranceDekho or via the concerned health insurer. Below mentioned details will give you a clear picture on what works best for you:

Purchase Health Insurance With InsuranceDekho

Step 1
Enter Your Details
- Simply fill up your name and mobile number to get OTP
- Enter OTP
- Enter details on how many family members you want to insure or click just you
- Select if applicable, any disease or ailment that you or any selected family member has
Step 2
Compare Health Plans with InsuranceDekho
- Get a specially curated list of plans just for you
- If you want to see more, there will be the comparison of all insurance plans available for you right below the specially curated list of plans
- Select the plan that best suits your requirements based on monthly or annual payment and coverage details
Step 3
Complete Online Payment with InsuranceDekho
- Fill up all your basic information on Proposal Form 1 - name, address, email, phone number, age, height, etc
- Fill up Proposal Form 2 - answer 2 simple questions on your health
- Enter KYC details
- Make payment online with InsuranceDekho and relax!

Benefits of choosing your insurance policy with InsuranceDekho -

With InsuranceDekho you will have a complete knowledge of what you are purchasing and a team to guide you from the time you decide to purchase an insurance policy till the time you have to do your claim settlements, policy renewal, insurance portability or in case of any other insurance related requirement.

Documents Required for Purchasing a Health Insurance Policy in India

For purchasing a health insurance policy in India, you will require the following documents:

Age proof (either of the following)

Birth Certificate, 10th or 12th mark sheet, Driving License, Passport, Voter’s ID, etc.

Identity Proof (either of the following)

Passport, Driving License, Voter ID, PAN Card, or Aadhar Card, (needs to be a document which proves that you are a citizen of India)

Address proof (either of the following)

Electricity bill, Ration Card, Telephone Bill, Passport, or Driving License (needs to be a document with your permanent address mentioned on it)

Medical check-up

Some plans require health check-ups to ensure that the individual is not suffering from any chronic illness.

Pre-existing Diseases & Past Medical Details

You are also required to share the details of medical documents of pre-existing illnesses or past hospitalisation.

Understanding Claim Settlement Process?

How to file a claim (cashless/reimbursement)

Claims under a health insurance policy can be done in two ways - cashless claims, and reimbursement claims.

Cashless Claims
Reimbursement Claims

Cashless Claims

A cashless claim is when you receive treatment at a network hospital or a hospital of your choice and the insurer directly clears the bill for you. If the claim request is accepted, the insurance company settles the bills at the hospital.

You can make a health insurance claim by following these simple steps:

Step 1
Claim Intimation
Visit the network hospital or the hospital of your choice and inform the insurance company about the hospitalisation
InsuranceDekho Benefit - Our claim team will help you contact your insurer and initiate the claim process.
Step 2
Third Party Administrator (TPA) form filling
Fill out the pre-authorisation form at the hospital’s TPA (third-party administrator) desk
InsuranceDekho Benefit - Help you to navigate the complicated documentation needed to ensure the TPA process is fast and hassle free.
Step 3
Cashless Approval
Insurer provides the cashless approval after verifying all the details and documents submitted by you.
InsuranceDekho Benefit - Assist you in getting priority approvals from the insurer.
Step 4
Claim Settlements
Avail the treatment that is required and the last when treatment is over insurer will directly settle the hospital bill according to the terms and conditions of the policy.
InsuranceDekho Benefit - Helps in getting final settlements done for a hassle free hospital discharge.

Common Reasons for Claim Rejection

Here are some common reasons due to which health insurance claims get rejected:

The basic but major reason for claim rejection is incorrect information on the claim form. While filing a health insurance claim, make sure you are mentioning your correct details like name, age, occupation, illness details, etc.

What is Health Insurance Renewal & Why it is Even More Important

Usually, a health insurance plan is valid for a period of one year. It is required to be renewed every year upon expiry. The renewal process is important because it helps you update or change your add-ons in your insurance plan as per your then current requirements.

Please note, while both InsuranceDekho and the concerned insurer will be giving you reminders before your policy renewal date. In case you miss your renewal date, you will get a grace period of 15-45 days depending on your insurer to renew your health insurance policy.

Process of Health Insurance Renewal Online

Renewing your health insurance online can happen with ease.

In case you choose to renew your health insurance plan you can click on the link in your email or phone number and reach the insurer’s policy renewal page.
Once on the policy renewal page, you need to review your policy details, choose any add-ons as per your then current requirement and proceed further.
Once you proceed further, based on your updated plan or the same plan in case you choose not to opt for add-ons, you will be asked to pay the premium.
Once payment has been made, your policy has been renewed for a period of one year.

In both the cases, whether you click on an InsuranceDekho policy renewal link or directly on the insurer policy link, you will be redirected to the insurer policy renewal page.

Process of Health Insurance Renewal Online

Covered vs Not Covered Under Health Insurance Policies?

Covered
Not-Covered

In-patient Hospitalisation

Coverage for inpatient care including surgeries, treatments, and room charges in a hospital if the patient is hospitalised for more than 24 hours

Pre-existing Illnesses

Coverage for pre-existing medical conditions after a certain waiting period. You should check the waiting period with your insurer

Pre- and Post-hospitalisation

Pre-hospitalisation coverage includes blood tests, urine tests, and more. Post includes medicine expenses after getting discharged from the hospital

Preventive Health Check-ups

Policyholders get services of vaccinations, health screening, wellness check-ups done at no additional cost

Ambulance Expenses

Ambulance coverage and per day amount varies from one insurer to another. However, air ambulance is usually taken as an add-on

Maternity Cover

Under the medical insurance plan, you will also get coverage for the expenses on maternity if you are planning pregnancy and childbirth

Daycare Procedures

In case a policyholder is seeking treatment for less than 24 hours, then coverage for such daycare procedures are usually offered

Home Care

In case a policyholder is seeking treatment at home under a medical practitioner, they will be able to avail it

AYUSH

AYUSH treatment coverage includes homoeopathy, ayurveda, and other nature-based treatments

Mental Healthcare Cover

As per the latest guidelines by IRDAI, mental healthcare like bipolar disorder, depression, Obsessive Compulsive Disorder are covered

What is Health Insurance Portability & How it works?

Health Insurance Portability is when a policy holder plans on porting or moving their insurance plan from one insurer to another. This portability can happen in the following ways:

Through InsuranceDekho: The policyholder applies for moving their policy from their initial insurer to an insurer who is associated with InsuranceDekho.

Case: This is the case when the policymaker has taken a policy outside of InsuranceDekho, through an insurance agent or any other means, but is now interested in taking up a policy through InsuranceDekho

Please note, any insurance portability usually happens 15 days before policy renewal time. The time period may vary from insurer to insurer.

Understanding Network Hospitals and Cashless Treatment Process

Network hospitals are hospitals who are in alliance with the insurer. Network hospitals are also of two types: with and without cashless facilities.

Here’s a synopsis of what a network hospital with and without cashless facility, and a non-network hospital covers:

Network Hospital with Cashless Facility -The policyholder gets admitted to a hospital that’s in tie-up with the insurer and avails cashless benefits
Network Hospital Without Cashless Facility - The policyholder gets admitted to a hospital that’s in alliance with the insurer, but does not avail cashless benefits
Non-network Hospital - The policyholder does not get admitted to a network hospital, and does not get cashless benefits

Network Hospital with Cashless Facility -The insurer settles all claims with the tied-up hospital directly. Policyholder pays deductible as per the details mentioned in the policy
Network Hospital Without Cashless Facility - The policyholder pays the alliance hospital, and claims the bills to the insurer
Non-network Hospital - The policyholder pays the hospital, and claims the bills to the insurer

Network Hospital with Cashless Facility -No waiting period. Once the policyholder informs the insurer. The insurer approves the details and settles bills with the alliance hospital directly
Network Hospital Without Cashless Facility And Non-Network Hospital - Waiting period of about 10-15 days (depending on the insurer) from the time of raising the bills to the insurer and receiving the claimed money

Understanding Network Hospitals and Cashless Treatment Process

Frequently Asked Question

Renewal

Claims

Sum- Insured

Premium

Coverages

Happy Customers

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Health Insurance

Key Highlights

Significance of having a health insurance policy

Choosing a Health Insurance Plan - Factors to Consider

Health Insurance Calculator

Whom do you want the insurance for ?

Select the age of all members

Where do you live ?

Choose required Coverage for yourself?

Factors That Affect Health Insurance Premium

Types of Health Insurance Policies

Individual Health Insurance Plan

Family Floater Health Insurance Plan

Senior Citizen Health Insurance Plan

Critical Illness Insurance Plan

Group Health Insurance Plan

Top-up Health Insurance Plan

Personal Accident Cover Plan

Maternity Health Insurance Plan

Disease Specific Insurance Plan

Best Health Insurance Plans In India

Key features of a Health insurance policy

Eligibility Criteria for Purchasing a Health insurance policy

List of IRDAI approved Health Insurance Companies

Types of Health Insurance Plans

Rider Covers offered

How to Buy a Health Insurance Plan?

Online Process

Documents Required for Purchasing a Health Insurance Policy in India

Understanding Claim Settlement Process?

Cashless Claims

Common Reasons for Claim Rejection

What is Health Insurance Renewal & Why it is Even More Important

Covered vs Not Covered Under Health Insurance Policies?

What is Health Insurance Portability & How it works?

Understanding Network Hospitals and Cashless Treatment Process

Frequently Asked Question

Happy Customers

Latest Health Insurance News