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A health insurance policy is a financial protection plan that helps cover medical expenses when you fall sick or require hospitalization. Instead of paying large medical bills from your savings, the insurance company pays for the treatment based on the policy coverage.
Modern medical insurance plans cover a wide range of healthcare services, such as:
Hospitalization Expenses
Pre and Post-hospitalization Costs
Daycare Procedures
Ambulance Services
Critical Illness Treatments
Cashless Treatment at Network Hospitals
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A good health insurance plan provides several advantages that protect both your health and finances.
Financial Protection
Medical treatments can be expensive. Health insurance helps cover major healthcare costs and protects your savings.
Cashless Treatment
Many policies offer cashless treatment, allowing you to receive care at network hospitals without paying upfront
Tax Savings
Premiums paid towards a health insurance policy may qualify for tax deductions under Section 80D of the Income Tax Act.
Critical Illness Coverage
Some plans provide coverage for serious illnesses such as cancer, heart disease, and kidney failure.
Family Protection
A family health insurance plan allows you to protect your spouse and children under one policy.
Better Healthcare Access
With insurance coverage, you can choose better hospitals and doctors without worrying about high medical costs.
Before purchasing a health insurance policy, it is important to consider a few key factors.
Sum Insured
Choose coverage that can handle rising healthcare expenses.
Claim Settlement Ratio
Select insurers known for reliable and smooth claim settlement.
Network Hospitals
Check the list of network hospitals where you can receive cashless treatment
Renewal Policy
Choose a plan that offers lifetime renewability for continued protection
Waiting Period
Understand the waiting period for pre-existing diseases and specific treatments.
Premium Cost
Compare multiple medical insurance plans to find one that fits your budget.
There are several types of health insurance plans available, depending on your needs.
Individual Health Insurance
Covers one individual for medical and hospitalization expenses.
Family Health Insurance
A family health insurance plan covers multiple family members under one policy.
Senior Citizen Health Insurance
Designed for people aged 60 years and above to cover age-related medical needs
Critical Illness Insurance
Provides a lump sum payout when diagnosed with a major illness.
Group Health Insurance
Usually provided by employers for their employees.
Top-Up Plans
Additional coverage that activates when your base policy limit is exhausted.
A clear understanding of the health insurance claim process helps you avoid delays and ensures quicker claim settlement during emergencies.
Inform the Insurer
at Hospitalisation
As soon as you are admitted, notify your insurer or TPA to initiate the claim under your health insurance policy.
Choose the Claim Type
You can opt for cashless treatment at a network hospital or file a reimbursement claim if you receive treatment at a non-network hospital.
Submit the Required
Documents
Provide all necessary documents such as hospital bills, medical reports, discharge summary, and policy details to process your mediclaim policy
Verification and Approval
The insurer verifies the documents and approves the claim based on your health insurance coverage and policy terms.
Track the claim status
You can track your health insurance claim online for faster settlement and greater transparency
Buying a policy online is simple and quick, and it gives you access to a range of medical insurance policies in India.
Choosing the right plan is crucial to get maximum value from your health insurance policy.
Check Hospital Network
Ensure the insurer provides a large network for easy access to cashless health insurance services.
Compare Insurers Wisely
Compare multiple health insurance companies in India to find the best health insurance provider in India.
Understand the coverage
Carefully review the inclusions, exclusions, and benefits offered under the health insurance policy.
Choose an Adequate Sum Insured
Select sufficient coverage to handle rising healthcare costs and protect your entire family.
Look for Affordability
Compare premiums to find affordable health insurance plans without compromising on benefits.
Read Policy Details
Always go through the complete health insurance policy details before making a decision.
Get answers to common insurance queries
The best policy depends on your budget, health needs, and family size. Comparing plans helps you choose the most suitable option.
Yes, with Policies365, you can compare policies and buy health insurance online
Most policies may cover hospitalisation, surgeries, day-care procedures, and ambulance charges, subject to the policy terms
It allows you to receive treatment at a network hospital without paying the covered medical expenses upfront.
Yes, a family health insurance plan allows you to cover your spouse and children under one policy.
As a Composite Broker, we partner with all private and public sector insurers to provide comprehensive General, Life, and Reinsurance solutions.
