Health Insurance

Health Insurance Policies ensure you and your family remains protected in the case of sudden hospitalization due to any illness by providing Cashless Treatment and Reimbursement facility at the hospital. A Medical Insurance policy reimburses the insured person against any unforeseen medical issues and surgical expenses that could arises out of an illness leading to sudden hospitalization. Therefore, it′s must to secure the health of your family with the best health insurance plan suitable as per your requirements and budget. Along with health and medical benefits, taxpayers who are paying insurance premium for self or for their family can save up to Rs 1,00,000 under section 80D of Income Tax Act, 1961.

In this smart world, rapid rise in cases related to health risks call for a medical insurance policies. Just because you are healthy today, you should not take this for granted given that you can′t foresee tomorrow. Furthermore, Health insurance is basically an insurance policy specifically purchased for the security of an individual′s or family′s health against any unforeseen health issues like sickness, illness or diseases. In order to avail the benefits offered under Medical Insurance plans, you are required to pay a premium in return of which, the insurer will promise financial protection in case of any medical emergency that come out of the blue.

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Benefits of Health Insurance

What is Health Insurance?

It is an agreement under which insurance firms consensually concur to undertake the guarantee of compensation subject to medical costs incurred, while a policyholder is hospitalized due to falling ill or getting injured due to an accident. To ensure this offering, insurance firms holds the tie-ups with many hospitals and clinics to provide cashless treatment to the insured individuals. In the absence of any tie-up, the insurer reimburses the medica

Cashless Facility

In case of hospitalization of the policyholder, the insurer settles the bill directly with the hospital.

Lifelong renewability

The policyholders are offered with a lifelong renewability option after every policy term.

Tax Benefits

Every insurance policyholder enjoys tax benefits for the premiums paid towards the plan.

24x7 customer care support

Most health insurance companies provide 24/7 customer service support to answer all health-related doubts.

How to buy health insurance?

Eligibility Criteria to Buy Health Insurance

Buying a health insurance policy is essential because medical care, especially in the private sector is expensive and can burn a hole in your pocket. To avoid a tough situation during medical emergency or illness, paying a small annual premium can certainly help to lessen your stress.

You can easily purchase a good insurance plan online that usually covers expenses incurred towards doctor consultation fees, ambulance services, hospitalization to a certain extent. Here are the eligibility criteria-

Buying a health insurance policy during early age can be cost-effective as one might not necessarily have to undergo medical tests conducted by the insurers.

Documents Required to Buy Health Insurance Online

There are a few documents that you must be able to show to buy a health insurance policy online. These are-

The Process to Buy Health Insurance Online

You can buy a health insurance policy online in a few easy steps-

Type of health insurance plans

It is an agreement between an insurer and a policyholder where former promises of bearing the medical expenses of the latter subject to the limits of the plan. To own this coverage, the policyholder is required to pay premiums to the insurer for getting the coverage without any break.

  • Coverage for pre and post hospitalization expenses
  • You can opt for the best treatments for your loved ones
  • Your savings will not be affected due to any medical emergency
  • Most of the daycare procedures are covered under different plans
  • Tax benefits under the section 80D of Income Tax Act

With age, the probability of falling prey to diseases increases. Therefore, a senior citizen health insurance plan is an excellent option, as in older age, the lesser or no income enhances the trouble. These plans are designed to cover senior people aged 60 years and above and provides coverage for diseases, critical illnesses, accidents, etc.

  • Frequent medical expenses can easily be borne with the plan
  • Can afford proper treatment and medication with lesser income too
  • May increase life expectancy with regular and advanced treatment
  • Investment in health policy save the tax under section 80D of IT Act
  • Enhance the savings and bring independence in terms of financial security

Treatment of critical diseases is never easy. The procedures related to critical illnesses are highly expensive and prolonged that lead to the loss of a significant amount of savings. These plans provide cover for diseases like kidney failure, heart attack, cancer, muscular dystrophy, and many others.

  • Lump sum amount is offered to maintain the lifestyle
  • The recuperation aid is covered under the critical illness plan
  • Regular health check-ups are also available under such policies
  • Offers the best treatment when it comes to life-threatening disease
  • TA good amount of tax can be saved under section 80D of IT act

An accident is an unforeseen and unfortunate event that can happen to anybody and anytime. Also, its consequences may go disastrous and catastrophic. Therefore, a personal accident insurance plan is necessary for dealing with financial hardships during an accident.

  • Expenses of accident-related treatments are covered
  • Severe injuries due to an accident can be treated in the best manner
  • Many personal accident plans covers funeral and legal expenses
  • Worldwide coverage is offered as accidents can happen anywhere, anytime
  • Some plans provide the coverage to the entire family for complete health care


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