Health insurance protects your personal finances during a medical emergency. Here are a few reasons for needing health insurance -
Get Cashless Treatments in 7000+ Network Hospitals
Investing in your health is crucial. With rising health risks, medical insurance is a necessity for everyone, regardless of age. We provide the best health insurance plans to protect you and your family from financial worries and ensure you never compromise on your health. Here are our few popular plans -
Our health insurance policy is designed for simplicity and ease of understanding, yet it comes packed with lot of features that render it the perfect choice for a medical insurance plan. Some of the features available in our various health insurance plans include :
Enjoy a complimentary annual health check-up as part of your health insurance policy renewal when you remain claim-free. It allows insured individuals to monitor their current health status with each passing year.
If an individual is diagnosed with a critical illness, depending on the rider opted, the insured amount can be doubled to provide additional support for the insured person's medical expenses.
If someone is diagnosed with a critical illness, we pay the fixed amount of Sum Insured at the time of diagnosis according to which plan you choose.
We cover AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) hospitalization costs, including expenses before and after the hospital stay (pre and post hospitalization expenses), up to the Sum Insured.
After a claim is made under the health insurance policy, the original sum insured will be restored by the claim amount, ensuring that the entire initial sum insured is available for the mediclaim policy duration.
If you travel abroad for more than 30 days, your health insurance coverage would be extended by the actual days you spent abroad.
We have a long list of assistance services for you. Few of them are - Medical consultation and referral, Emergency medical evacuation, Medical repatriation, Transportation to join patient, return of mortal remains, Emergency message transmission, and Emergency cash coordination.
Wellness programme enhance your health insurance by promoting preventive care and overall well-being.
| Health Insurance Features | Benefits |
|---|---|
| Sum Insured (INR) | Up to 1 Crore |
| Network Hospitals | 7,000+ Across India |
| Pre-Hospitalization | Usually 60 Days |
| Post-Hospitalization | Usually 90 Days |
| Ambulance Expenses | Covered |
| Coverage for Accidents | From Day 1 |
| Tax Benefit | Up to Rs. 1 Lakhs |
| Co-pay | Nil |
| Critical Illness | Covered |
| No medical test | Upto 60 years |
| Day Care Cover | 383 procedures covered |
| Online Renewal | Available |
| Wellness Benefits | Covered |
The benefits offered by our health insurance are extensive. Some of them include -
Hospitalization charges
Covers room rent, consultations, and surgical expenses during hospital treatment.
Pre and post-hospitalization
Includes pre and post-hospitalization medical expenses for true peace of mind.
Day-care procedure
Our health insurance covers wide range of planned day-care treatments.
Laboratory services
Health Insurance covers expenses for lab tests and X-ray services.
Prescription medicines
Health Insurance covers cost of prescribed medications consumed during treatment.
AYUSH treatment coverage
Health Insurance covers AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatments.
Ambulance charges coverage
Our health insurance policy covers ambulance expenses for emergencies or hospitalization.
Critical illness
Health Insurance cover expenses for treating critical illnesses.
Pre-existing medical conditions
After completion of particular the pre-existing diseases/treatments will be covered. Some health insurance policies have waiting periods before certain benefits become applicable.
Our health insurance policy will not provide coverage for the following -
Cosmetic or Obesity treatment
Pregnancy-related conditions
Injuries caused due to self-harm or suicide attempt
Injuries suffered due to adventure sport, war, nuclear explosion, defence operations
Our customers have rated us
Based on 1113 reviews
Exceptional service quality.
No more worries about health. Your team has done a great job.
Unmatched quality.
The best list of hospitals covered. Iffco Tokio is the best.
Excellent service by Iffco Tokio. I am one more happy customer.
Rapid and reliable.
Buy/Renew Family Floater Health Insurance Policy Online
There are two ways to make claims on your health insurance plan : cashless or reimbursement. Here's how each method works :
After receiving treatment and paying your hospital bills, apply for reimbursement. Submit your claim documents to our local office address after calling our toll-free number at 1800 103 5499 within 7 days of discharge.
Get cashless treatment at one of our network hospitals. The cashless claim process involves three simple steps :
Intimate
Verify
Settle
Get Cashless Treatments in 7000+ Network Hospitals
Unlike motor insurance, having a health insurance is not mandatory. However, it is recommended to have a health insurance for you and your family. The reasons why health insurance is important for you and your family includes :
Afford Quality Healthcare
Beat Medical Inflation
Provide access to Specialized Treatment
Provide access to Cashless Treatment
Coverage for Lifestyle diseases
Save Tax upto ₹1,00,000
Let's check these important points in a bit more detail.
Health insurance allows you and your family to access quality medical care without worrying about the high costs associated with hospitalization, surgeries, or treatments. It ensures that you can receive the best care when needed.
Medical costs are rising consistently, and this trend is unlikely to change. Health insurance acts as a buffer against medical inflation, ensuring that you can meet future healthcare expenses without depleting your savings.
Health insurance policies offer cashless treatment facilities at network hospitals. This feature simplifies the process of receiving medical care, as you don't need to pay upfront and then seek reimbursement; the insurance provider directly settles the bills with the hospital.
Having health insurance means you can seek specialized treatments, consultations with experts, and access to the best healthcare facilities without financial constraints. This is crucial, especially in critical health situations.
Health insurance often covers lifestyle-related diseases like diabetes, hypertension, and obesity. With the prevalence of such conditions on the rise, having coverage for these diseases ensures that you can manage and treat them effectively.
Health insurance can be a valuable tax-saving instrument. Under Section 80D of the Income Tax Act in India, premiums paid for health insurance policies are eligible for tax deductions. Depending on your age and the number of family members covered, you can save up to ₹1,00,000 on your taxable income.
Buy/Renew Family Floater Health Insurance Policy Online
If you're among the 80 percent of the Indian population that's not covered by any health insurance or if you think, 'I don't need a health insurance,' you're at the right place. We have listed a few reasons why you do not need health insurance. Read on to find out why.
You don’t need money for luxurious things or for travelling, and want to spend money on expensive treatments even if a serious health issue arises.
Embrace uncertainty because relying on luck instead of a safety net for your health is so much more thrilling.
Who needs financial stability when you can treasure medical bills and debt as unique souvenirs of your healthcare journey?
Skip expensive medical consultations and put your trust in Dr. Google for self-diagnosis and treatment advice. What could possibly go wrong?
Forget travel plans. With no health insurance, every hospital visit becomes a spontaneous vacation. Who doesn't dream of unexpected medical getaways?
Reliable financial strategy? Leave it to mythical creatures like the Tooth Fairy to cover your medical expenses.
Saving taxes feels like the worst form of punishment for you. Who would ever want extra money? Thanks, but no thanks.
While it's fun to play with sarcasm and entertain the thought of not needing health insurance, the practical choice is clear: in the real world, you do need health insurance to safeguard your well-being and financial stability.
When considering buying a health insurance plan, common questions that may arise include eligibility, required medical tests, and age criteria. To help you, we are mentioning factors that set the typical eligibility criteria for a health insurance policy.
While buying a health insurance policy, you have to be honest in declaring all the information like age, medical history, lifestyle, occupation etc.
Buying a health insurance policy online is really simple and convenient. Have a look at the benefits of buying your health insurance from our website:
A health insurance policy protects you against any unforeseen circumstances. You can buy a policy from our website. Buying a health insurance policy from our website is a very simple process! Once you have decided to buy a health insurance policy, follow these easy steps to proceed forward:
Buy/Renew Family Floater Health Insurance Policy Online
You can renew your health insurance online seamlessly. Have a look at the benefits of renewing your health insurance online:
Follow the seamlessly easy steps given below to renew your health insurance policy.
If you want to buy health insurance, there are certain things you should consider before making your purchase. These include :
Taking these factors into account will help you make an informed decision when purchasing health insurance. It's essential to choose a policy that best suits your health and financial needs.
Buy/Renew Family Floater Health Insurance Policy Online
A health insurance premium means the amount that you need to pay throughout the term to the insurance provider in order to avail the health insurance policy. The premiums are to be paid annually to remain active. There are many health insurance plans and their premiums depend upon the coverage that is being offered.
Have a look at the factors that affect your health insurance premium.
If you have a medical history that suggests a certain illness, then your insurance premium would be higher.
As you age, your premiums will most likely increase since advancing age is often accompanied by health issues.
If your insurance policy is of longer duration, then you would have to pay lesser premiums and vice-versa.
If your occupation involves risk to your health, then your insurance premium may get affected because of the same.
If you indulge in activities such as smoking, drinking, which may affect your health, then the premium on your insurance policy would be higher.
People with higher BMI generally have to pay higher premiums as compared to those with a normal BMI.
Buy/Renew Family Floater Health Insurance Policy Online
Reducing your health insurance premium can help you save money while still maintaining adequate coverage. Here are some ways to reduce your health insurance premium :
Family floater policies cover multiple family members under a single policy. They can be more cost-effective than individual policies for each family member.
We offer discounts if you keep yourself healthy by participating in wellness programs that encourage healthy habits. By maintaining a healthy lifestyle, you may be eligible for reduced premium.
Periodically review your insurance needs and adjust your coverage accordingly. If you have coverage for services you don't need, you can reduce your premium by scaling back on unnecessary coverage.
Opting for longer policy terms, such as a three-year or five-year policy, might give you additional discounts.
Top-up plans, such as Health Protector Max, can increase your insurance coverage. They allow you to be ready for unexpected medical expenses without straining your budget, helping you maintain both your health insurance coverage and premium.
Remember that while reducing your premium is important, it's equally crucial to ensure that your health insurance coverage meets your healthcare needs. Balancing cost savings with comprehensive coverage is the key to making a well-informed decision.
Buy/Renew Family Floater Health Insurance Policy Online
Buy/Renew Family Floater Health Insurance Policy Online
Disclaimer- Please note that the Tax benefits are as per the current tax laws prevailing in the country and may changes subject to tax laws. it is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.
