Health insurance covers medical expenses arising from illness, hospitalization, surgery, or accidents. It reduces the financial burden of healthcare costs by reimbursing or directly settling bills with the hospital.
Covers a single person’s medical costs including hospitalization, diagnosis, and treatment.
One policy that covers the entire family under a shared sum insured.
Designed for individuals aged 60+ with coverage for age-related health issues.
Offers a lump sum payout if diagnosed with a major illness like cancer, stroke, or heart disease.
Adds extra coverage on top of your existing policy for high medical bills.
No, health insurance only covers future events. You must be covered before any medical emergency.
It is the period (typically 30–90 days) before you can make a claim, except in case of accidents.
Network hospitals where treatment is done without upfront payment, handled directly by the insurer.
Yes, some policies cover maternity and newborn care after a waiting period.
Yes, under Section 80D of the Income Tax Act for health insurance premiums.
