Wide range of Plans & Companies
(134 Plans and 22 Companies)
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...
Key Highlights
Wide range of Plans & Companies
(134 Plans and 22 Companies)
Free advice to help choose best plan
(Guaranteed assistance with guidance)*
24 x 7 Claim Support
(We are there for the time of your need to support in claim processing)*
Flexible payment options
(Ability to buy 3 year plan as well as monthly EMI options)
1 lakh+ Families insured/Happy customers
(Hear genuine customer’s opinion & their experiences)
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 HospitalsInclusions 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.
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
Reassure 2.0 Platinum+
MaxBupa
Cover Amount
5 L lakh
Starting at
832/month
Care Supreme
Care Health Insurance Limited
Cover Amount
10 L lakh
Starting at
739/month
Health Gain Plus
Reliance
Cover Amount
5 L lakh
Starting at
447/month
Optima secure
HDFC ERGO
Cover Amount
5 L lakh
Starting at
1,312/month
Young Star Individual Silver
Star Health
Cover Amount
5 L lakh
Starting at
448/month
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.
Eligibility Criteria for Purchasing a Health insurance policy
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 AllRider 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
Maternity Cover -
covers pregnant women who will be eligible for
Hospital Cash -
with this add-on, you will be eligible for
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:
Personal Accident Cover -
a personal accident cover provides:
International Second Opinion Cover-
this is a beneficial add-on in case:
Air Ambulance Cover -
with this add-on you can:
Reduction in Pre-existing Diseases Waiting Period -
With this add-on you can:
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
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 InsuranceDekhoStep 1
Enter Your Details
Step 2
Compare Health Plans with InsuranceDekho
Step 3
Complete Online Payment with InsuranceDekho
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:
Birth Certificate, 10th or 12th mark sheet, Driving License, Passport, Voter’s ID, etc.
Passport, Driving License, Voter ID, PAN Card, or Aadhar Card, (needs to be a document which proves that you are a citizen of India)
Electricity bill, Ration Card, Telephone Bill, Passport, or Driving License (needs to be a document with your permanent address mentioned on it)
Some plans require health check-ups to ensure that the individual is not suffering from any chronic illness.
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
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.
Covered vs Not Covered Under Health Insurance Policies?
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:
Frequently Asked Question
Renewal
Claims
Sum- Insured
Premium
Coverages