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Get your family secured TODAY & get benefits:

In simple terms, when you buy health insurance, you get a financial cover up to a certain amount for the medical expenses you may incur in a year.

Health Insurance : Benefits & Features

Beat Medical Inflation

A health insurance policy can help you pay your medical bills, including pre and post-hospitalization expenses, today as well as in future despite the rising medical costs.

Afford Quality Medical Treatment

It helps you to afford the best quality medical treatment and care so that you can focus only on getting cured.

Fight Lifestyle Diseases

It allows you to pay for the long-term treatment of lifestyle diseases like cancer, heart ailments, etc., that have been on the rise with the changing lifestyles.

Protect Your Savings

It helps you to protect your hard-earned savings by covering your medical expenses so that you can avail the required treatment without any financial worries.

Top Reasons to Buy a Health Insurance Plan

Medical inflation is on the rise making treatments expensive. If you get hospitalized for a critical illness or lifestyle disease, you may end up losing all your savings. The only way to afford quality medical treatment during a health emergency is by buying a health insurance policy. Take a look at some of the top reasons to buy a health insurance plan below:

  • Beat Medical Inflation – A health insurance policy can help you pay your medical bills, including pre and post-hospitalization expenses, today as well as in future despite the rising medical costs.
  • Afford Quality Medical Treatment – It helps you to afford the best quality medical treatment and care so that you can focus only on getting cured.
  • Fight Lifestyle Diseases – It allows you to pay for the long-term treatment of lifestyle diseases like cancer, heart ailments, etc., that have been on the rise with the changing lifestyles.
  • Protect Your Savings – It helps you to protect your hard-earned savings by covering your medical expenses so that you can avail the required treatment without any financial worries.
  • Avail Cashless Hospitalization Facility – It allows you to obtain a cashless hospitalization facility at any of the network hospitals of your insurance provider by raising a cashless claim.
  • Get Tax Benefits – It enables you to save tax on the health insurance premium that you’ve paid under section 80D of the Income Tax Act for better financial planning.
  • Ensure Peace of Mind – It allows you to obtain medical treatment with peace of mind as you do not have to worry about paying hefty hospital bills.

Eligibility Criteria to Buy a Health Insurance Plan

CriteriaSpecifications
Entry Age for Adults 18 to 65 years
Pre-medical Screening Required above the age of 45/55/60 years
Entry Age for Dependent Children 90 days to 25 years

Frequently Asked Questions (FAQs)

What is the right age to buy health insurance?

There is no right or wrong age to buy a health insurance policy. However, it is suggested to buy it as early as possible to keep your premium low. The earlier you buy health insurance, the lesser would be the premium. This is because you have a lesser risk of health issues at a young age as compared to someone who is in their mid-50s or 60s, as they are more prone to critical illnesses. Therefore, if you buy health insurance in your 30s, you will be able to avail maximum insurance benefits that too at a lower premium.

Is a medical test mandatory to buy a health insurance policy?

Medical tests are not mandatory before buying a health insurance policy. However, most health insurance companies in India require medical test reports if the age of the applicants is above 45 years. The type of medical tests required can vary depending on the age of the applicant and the insurer’s requirement.

What does cashless hospitalization mean in a health insurance policy?

Cashless hospitalization means that the in-patient treatment charges availed by the insured are paid by the insurance company directly to the hospital. All insurance companies in India have a tie-up with a large network of hospitals where the insured/policyholder can avail cashless treatment for an illness or accidental injury.

At what age can I include my children in my health insurance plan?

You can include your children in a family floater policy from day 1, provided the child is at least 90 days old. In maternity insurance plans, newborn babies are covered from day 1 if the maternity claim was paid by the insurer. Nonetheless, you are advised to go through the terms and conditions of a health plan carefully to know about the entry age for children.

What is a freelook period in health insurance?

A free-look period in health insurance refers to the period of the first 15 days of the policy commencement. During this period, you can review your health insurance policy features, coverage, etc. and decide if you want to continue with it or not. You can also opt for add-on covers during this period. If you decide to discontinue the policy during this period, you will not attract any cancellation fee.

What is the sum insured in health insurance?

Sum insured refers to the maximum amount that the insurance company pays to the policyholder during a policy year in case a claim is raised due to an illness or accidental injury. It is also referred to as maximum coverage or coverage amount under health insurance.