About Health Insurance

Having health insurance gives you the ability to strategically anticipate and manage the unpredictability of medical expenses. Our plans provide financial coverage for hospitalisation, critical illness, and routine medical expenses and are based on scalable, data-driven frameworks. Leverage tech-enabled, flexible health services to improve wellness outcomes and maintain financial stability. Handle medical crises without sacrificing your finances or tranquillity.

Why You Need It

Health insurance is a crucial safety net in your financial planning toolbox due to rising medical inflation. Whether it’s an unexpected disease, surgery, or ongoing care, the expenses can be prohibitive. A well-designed health insurance plan keeps you and your family safe in unpredictable times by guaranteeing that you receive prompt, high-quality medical care without depleting your finances.

Frequently Asked Question

Q: What is the difference between individual and family floater health insurance?

 

A: Individual plans cover one person with a dedicated sum insured, while family floater plans cover the entire family under a single sum insured.

Q: Are pre-existing conditions covered under health insurance?

 

A: Yes, but most insurers impose a waiting period (usually 2–4 years) before coverage for pre-existing conditions kicks in.

Q: How does cashless hospitalisation work?

 

A: Cashless hospitalisation is available at network hospitals. You just need to show your health card and get treatment without paying upfront; bills are settled directly between the hospital and insurer.

Q: Can I get tax benefits on health insurance premiums?

 

A: Yes, under Section 80D of the Income Tax Act, you can claim tax deductions for premiums paid for yourself and your family.

Q: What is the waiting period for certain treatments or illnesses?

 

A: Waiting periods vary, typically 30 days for general illnesses, 1–2 years for specific treatments, and 2–4 years for pre-existing diseases.