Comprehensive Health Insurance
Health Insurance provides financial protection against medical expenses, ensuring access to quality healthcare without burdening your savings. It covers hospitalization costs, surgeries, critical illnesses, and other healthcare needs depending on the plan chosen.
Types of Health Insurance
Health insurance policies can be classified into different types based on coverage and requirements
Individual Health Insurance
Covers a single person for medical expenses.
Family Floater Plan
Provides a common coverage for the entire family under one policy.
Critical Illness Insurance
Offers lump sum benefit on diagnosis of serious diseases like cancer or heart attack.
Top-up Health Insurance
Provides additional coverage once the threshold limit of your basic policy is crossed.
Maternity Health Insurance
Covers expenses related to childbirth, pre- and post-natal care.
Senior Citizen Health Insurance
Tailored for elderly individuals with higher medical coverage.
Why Health Insurance is Important?
Financial Security
Protects against rising healthcare costs and unexpected medical emergencies.
Quality Treatment
Ensures access to the best hospitals and medical facilities.
Tax Benefits
Premiums paid qualify for deductions under Section 80D of the Income Tax Act.
Peace of Mind
Provides confidence that medical needs will be taken care of without financial stress.
FAQs
What is the ideal age to buy health insurance?
It’s advisable to buy health insurance at a young age when premiums are lower, and coverage is wider.
Can I cover my entire family under one plan?
Yes, a Family Floater Plan allows you to cover multiple family members under a single policy.
Are pre-existing diseases covered?
Yes, but usually after a waiting period of 2–4 years depending on the policy terms.
Does health insurance cover COVID-19 treatment?
Most standard health insurance policies now include COVID-19 hospitalization coverage, subject to terms.