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    Health Insurance Plans

    Secure your Savings with Affordable Health Insurance Plans.

    Boardly Categorized Health Insurance Plans


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    Compare our Best Health Insurance Plans in India

    Plan Name Minimum Entry Age Premium Amount (in Rs.) Unique Features
    Care Health Insurance Adult: 5 Years, Child: 91 Days 16,613
    • The Plan offers coverage for Modern Treatments like Robotic Surgery, etc.
    • Allows the policyholder to choose from a wide range of add-on covers.
    Bajaj Allianz General Insurance Health Guard Plan Adult: 18 Years, Child: 90 Days 12,806
    • Allows the policyholder to choose from a wide range of add-on covers.
    • Enjoy the flexibility to choose between 3 Plans variant along with the Sum Insured options ranging from 1.5 Lakh to 1 crore.
    Star Family Health Optima Adult: 18 Years, Child: 16 Days 17,063
    • The plan offers Automatic Restoration of 100% Sum Insured.
    • The plan offers a new born baby cover, that starts from 16th day after birth
    HDFC Ergo Optima Restore Adult: 18 Years, Child: 91 Days 18,277
    • The plan pays for Medical Expenses in case of hospitalization for any Mental Illness.
    • The plan offers cumulative bonus, where one can avail upto 25% of Basic Sum Insured.

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    We help you to choose best insurance plan based on your needs

    Why we need a reliable Health Insurance Advisor?

    In-depth information of the insurance plan industry

    An expert health insurance plan advisor is the one who has in-depth expertise of the health insurance plan industry.

    Product Knowledge

    A health insurance advisor is aware of what he/she is selling. The phrases and stipulations of the health plan, its features, and services, benefits and risks are very properly regarded to this person.

    Knows how to apprehend your needs

    Some purchasers can also be new to the health insurance plan industry. A correct health insurance plan advisor will comprehend how to make a consumer apprehend his/her desires and lead them to purchase the most appropriate health insurance plans in India.

    Serves as a link

    Your health insurance plan advisor is a necessary link between you and the insurance plan company. A health insurance advisor has in depth knowledge of insurance plans and company, he/she serves as a link between you two.

    Helps in the buying journey

    Every insurance plan company has its personal buy journey, it is nothing however the way you purchase their product. Some insurance plan groups offer offline policies, some provide online i.e. digital policies.

    Help in the claim process

    When you purchase an insurance plan policy, you are promised monetary backup in the time of need. In case of a clinical emergency health insurance advisor helps you in claim process.

    All Benefits of Health Insurance Plan

    Cashless Treatment

    A policyholder can avail of required treatment in any network hospital (registered with his insurance provider) without paying the treatment expenses (up to the sum insured limit).

    Pre & Post Hospitalization Expenses

    The expenses before hospitalization and after discharge from the hospital (up to a specific period) are covered by health insurance, provided the treatment agrees with the terms and conditions of the chosen policy

    Tax Benefits

    Health insurance premiums provide tax benefits under Section 80D of the Income Tax Act, 1961. If you are below the age of 60 years, you can get an exemption of up to Rs. 25,000 per year, and if your age is above 60 years, then the benefit increases up to Rs. 50,000.

    Daily Hospital Cash

    It provides daily cash (to a certain limit) to take care of the additional expenses incurred in hospital like food, traveling to and forth, etc. For example, Star Comprehensive plan provides up to Rs.2500 hospital cash for a maximum of 7 days per occurrence & up to 120 days per policy period.

    No Claim Bonus (NCB)

    NCB is a discount that you will receive from the insurer for every claimless year. It helps to reduce the payable premium (by a certain percentage) at the time of renewing the policy.

    Free Health Check-Ups

    To motivate the policyholders towards a healthy lifestyle, many insurance companies provide free medical check-ups. Depending on the company and the type of policy, you will be eligible for the same.

    Domiciliary Hospitalization

    In case you are unable to get treatment at a hospital due to the unavailability of a bed or if the doctor advises medical treatment at home, insurance companies are liable to look after its expenses.

    Lifetime Renewability

    These days, several health insurance plans are offering a feature of ‘Lifetime Renewability’. With this, one can ensure that his policy can be renewed lifelong without any age limit or other restrictions.

    AYUSH Treatment

    As per IRDAI’s guidelines, insurance companies are liable to cover Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) treatments availed by the policyholder, provided the treatment happens at a government-approved hospital accredited by the Quality Council of India of National Accreditation Board.

    Restoration of Sum Insured

    Under this feature, you don’t have to worry once your sum insured is exhausted. Most of the health insurance plans come with sum insured restoration bnefit, which restores the sum insured as per the policy’s TnCs.

    Coverage for Coronavirus

    Your standard health insurance offers coverage against Coronavirus. The insurance will pay off in-patient and outpatient expenses incurred during the treatment of COVID-19.

    Bariatric Surgery Cover

    Bariatric surgery is covered under medical advice, subject to certain terms and conditions.

    Condition for Exclusion for Claim in Health Insurance

    Pre-existing Illnesses (before the waiting period): At the time of purchase, you need to disclose if you have any pre-existing illnesses like Diabetes, Depression, etc. These declared illnesses are excluded for a certain period, which is also called the ‘Waiting Period’. This may range from 2 to 4 years depending upon the insurer.After the waiting period, all illnesses are covered.

    Self-inflicted injuries: A self-inflicted injury is where a policyholder deliberately tries to harm themselves. These type of expenses are not covered by most of the health insurance companies.

    Injuries caused due to alcohol or drug abuse: Injuries caused by an overdose of drugs or alcohol are not covered under the health insurance plans.

    Cosmetic treatments: Generally, cosmetic treatments to enhance the body parts are not covered. However, in some instances like an accident causing disfigurement of body parts, is liable to get coverage under the policy. This varies from one insurer to another.

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