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Our experts will reply you with a quote very soon

I authorize policy-insure and its partners to contact me. This overrides my number being in the NDNC registry

Our experts will reply you with a quote very soon

I authorize policy-insure and its partners to contact me. This overrides my number being in the NDNC registry

HEALTH INSURANCE

Policy Insure Health Insurance Protecting You And Your Family Against, Coronavirus With a Hospitalisation Cover.

What is Health Insurance ?

Health care coverage is a clinical service that assists you with meeting your clinical costs by offering monetary help. Because of the significant expense of hospitalization costs, have a medical coverage plan set up. In the current pandemic circumstance, health care coverage assumes an imperative part in defending your accounts. You can purchase a health care coverage plan for your family and profit the underneath referenced advantages and inclusion.

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Do I Really Need a Health Insurance Plan ?

The answer is a clear Yes, since the majority of us might require clinical treatment eventually of time throughout everyday life. Subsequently, have a decent health care coverage plan that obliges rising clinical costs. To meet these costs and profit quality medical services offices, have an exhaustive health care coverage cover.

Type of health insurance plans

Individual health insurance plan :

As the name recommends, a singular health care coverage plan offers cover for the individual as it were. This arrangement covers your clinical costs for hospitalization, injury, room lease, and then some. This approach offers aggregate guaranteed which can be utilized by just a single individual for example the individual covered under the arrangement

Family floater insurance plan :

Under a family floater plan, you can cover your whole family under a solitary arrangement. The aggregate safeguarded for these arrangements are generally higher than standard individual medical coverage plans. The total guaranteed is accessible for all the relatives protected under the arrangement. The best part about this arrangement is that you can get cover for your whole family for a little exceptional sum.

Critical illness health insurance plan :

Basic ailment health care coverage strategy offers cover extraordinarily for basic ailments like stroke, kidney disappointment, organ relocate, malignant growth, and that's only the tip of the iceberg. Treating basic diseases can get costly and an arrangement like this can set aside a ton of cash in the event that you at any point were determined to have a basic sickness.

Group health insurance plans :

Group health insurance plans are highly popular in the corporate sector. Medium and large-sized enterprises use this insurance policy to offer cover for their employees in time of a medical crisis. It is a benefit that most employees expect when joining a company and this helps the employer retain their employees.

Benefits of Health Insurance

Extensive coverage for medical expenses

From pre-and post-hospitalisation coverage to coverage for ambulance charges, day care procedures, and AYUSH, a health insurance policy goes above and beyond to ensure you get holistic coverage during a medical emergency..

Protection of savings

You do not need to dip into your bank account or sell family assets to pay for life-saving medical treatments. Your health insurance policy will help you afford the best in healthcare without pinching the pocket.

Cashless facility

With a health insurance policy, you no longer need to worry about arranging large sums of cash for treatment at the eleventh hour. You can get planned and emergency treatment done cashless at network hospitals.

Tax benefits

According to Section 80D of the Income Tax Act 1961, the premium paid towards your health insurance policy is eligible for tax deductions.

No claim bonus (NCB)

Not made any claims in the policy year? Your health insurance policy offers you a benefit called the ‘no claim bonus’ which sees you get an increase in your medical insurance policy’s sum insured at no extra cost.

Peace of mind

With a health insurance policy at hand, you can be rest assured breathe easy and focus on what really matters –i.e. rest and recovery

Portability

You and your family members also become eligible for free health checks at the nearest network hospital of the insurance company.

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.

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Frequently Asked Questions

Health Insurance Frequently Asked Questions

  • Is it safe to buy health insurance online ?

    Yes, it is safe to buy health insurance online. We have a secured payment gateway on our website to ensure your transaction is processed safely, This is the reason why many of our customer purchase medical insurance plans online!

  • What is a health insurance policy ?

    Health insurance policy is an agreement whereby an insurance company agrees to undertake a guarantee to compensate the insured for medical expenses in case of a medical emergency. A health insurance policy protects the insured for several surgical expenses, critical illnesses, and daycare expenses, for a policy term, for up to the sum insured limit.

  • What is the process to buy health insurance online ?

    Health insurance offers protection against unforeseen situations such as medical emergencies. Many people are buying a health insurance policy to secure themselves against such expenses. A person can purchase health insurance by visiting our website. All you have to do is tell us about your healthcare needs and we will offer you the right plan. You can throw in the add-ons you prefer, fine-tune the coverage and proceed to the payment once you are satisfied with the coverage. Once you pay the premium, the policy will be mailed to you, and coverage of your medical insurance policy will commence instantly!

  • Can I purchase more than 1 health insurance plan? How are the claims settled in this case?

    Yes. You can be covered under more than one health insurance plan. In this case, the claims are settled as per the contribution clause, when the claim is higher than the sum insured for one health insurance policy.

  • Can I increase the sum insured under my existing health insurance policy?

    Yes. You can increase the sum insured under your existing health insurance policy at the time of renewal, provided the policy comes with greater sum insured options.

  • What happens when you don’t renew health insurance on time?

    Your health insurance policy offers cover against medical expenses. If a person meets with a medical emergency, then they can file for a claim with health insurance. However, a policyholder will not get such benefits when the health insurance policy has expired. The person must pay the medical expenses out of their pocket. Therefore, it is extremely important that you remember the expiry date of your medical insurance policy and renew your health insurance plan on time to enjoy interrupted protection.

  • What are the different types of health insurance plans available in India?

    There are 7 types of health insurance plans available in India. These are individual health insurance plans, family floater health insurance plans, senior citizen health insurance plans, disease-specific health insurance plans, critical illness insurance plans, maternity health insurance plans, and group health insurance plans. At this insurance, you will find a wide variety of all these plans from popular insurance companies, that serve varied requirements of different customers across India.

  • What if my health insurance policy lapses when I am hospitalised?

    There can be two situations. First, where you get hospitalised before the policy expiry date and notify the insurance company before the policy lapses, and the policy lapses when you are still in the hospital. In the second situation, you may be hospitalised during the grace period, the policy lapses then, and you inform the insurance company about the same during the grace period. In both cases, the insurance company will compensate for the coverage availed, as per the terms and conditions stated in the policy document.

  • Can I avail coverage benefits if I get hospitalised for less than 24 hours?

    Yes. Most health insurance plans cover you for medical treatments that do not require hospitalisation of at least 24 hours. These are known as daycare procedures. Daycare treatments are performed under local or general anaesthesia in a clinic, hospital, or daycare center. Some daycare treatments that health insurance plans cover you for are chemotherapy, eye surgery, sinusitis, dialysis, angiography, etc.

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