health insurance : your comprehensive guide

What is health insurance ?

A health insurance policy is a contract between a policyholder and an insurance company, in which the insurer provides financial assistance for medical expenses in exchange for a premium. The policyholder can either opt for reimbursement for medical expenses such as hospital and surgical bills or utilize the cashless claim feature. With the cashless claim feature, the policyholder can receive treatment at a network hospital without worrying about payments as the insurance company and the hospital have an association to settle the bills. ...
To find the best health insurance plan, you can compare multiple policies online. Purchasing health insurance online allows you to select the one that meets your specific requirements.

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Multiple Insurance & Best Health Insurance Plans to Compare

Cover ranging from Rs.1 lac to 1 crore

Covers Pre Existing Diseases for 1-4 Year/s - choices available

No Room Rent cappings and - Single Private Room for Patients - choices available

Key Benefits of health insurance companies

Health Insurance Plans with Fixed Benefits for Specific Diseases

Such fixed benefit health plans cover certain specific illnesses such as:

  • Cancer-specific health plans
  • Dengue related health plans
  • Diabetes specific health plan
  • Heart ailment related health plans, etc.

Upon diagnosis of any of the specified illnesses, you may receive either a lump sum payment of the sum insured or reimbursement of hospitalization expenses under indemnity benefits. Lump sum benefits are paid only once during the policy term, while indemnity benefits cover hospitalization expenses

daily cash

These plans are commonly referred to as hospital cash plans, and they provide a daily cash benefit to assist with everyday expenses during hospitalization. Typically, these plans offer daily cash payments for a specified number of days

Important Advantages of Health Insurance Policies in India

If medical bills pile up and regular health check-ups are costly, having access to the best treatments may seem impossible. Fortunately, a health insurance policy can help cover your medical expenses so that you can lead a long and healthy life. If you're considering buying health insurance online, here are some key benefits to keep in mind:

Coverage of pre and post hospitalization

Daycare treatment

sum insured restoration

cashlesh medical treatment

In patient hospitalization

Domiciliary hospitalization

ambulance fee

Medical checkup facility

Health Insurance Plans Inclusions & Exclusions

In India, health insurance policies typically come with customizable options to suit individual needs, but there are some common inclusions and exclusions to consider

inclutions

  • In-Patient Hospitalization expenses
  • In the case of organ transplant, donor expenses up to a certain amount
  • Overnight hospitalizations in cases of serious injuries
  • Pre-existing diseases after a set incubation period (Usually 2-4 years)
  • Pre and post hospitalization expenses for the same illness and for a specified number of days
  • Ambulance charge up to a certain amount, and for a specific number of hospitalizations
  • Room rent up to a sub-limit
  • Free health check-ups
  • Maternity and newborn expenses are not covered unless opted as an add-on
  • Most daycare treatments are covered
  • Doctor-prescribed home treatment or domiciliary hospitalization

EXCLUSIONS

  • In-Patient Hospitalization expenses

  • In the case of organ transplant, donor expenses up to a certain amount

  • Overnight hospitalizations in cases of serious injuries

  • Pre-existing diseases after a set incubation period (Usually 2-4 years)

  • Pre and post hospitalization expenses for the same illness and for a specified number of days

  • Ambulance charge up to a certain amount, and for a specific number of hospitalizations

  • Room rent up to a sub-limit

  • Free health check-ups

  • Maternity and newborn expenses are not covered unless opted as an add-on

  • sMost daycare treatments are covered

  • Doctor-prescribed home treatment or domiciliary hospitalization