Health insurance provides financial protection against medical expenses due to illnesses, accidents, and hospitalization. Even if you are healthy today, medical emergencies can arise at any time. With rising healthcare costs, a single hospital visit can cost thousands of rupees. Health insurance ensures that you receive quality treatment without worrying about financial strain.
Health insurance policies are designed for different needs:
✅ Individual Health Insurance – Covers only one person’s medical expenses.
✅ Family Floater Health Insurance – Covers the entire family under one plan.
✅ Senior Citizen Health Insurance – Tailored for individuals above 60 years.
✅ Critical Illness Insurance – Provides a lump sum payout if diagnosed with serious diseases like cancer, heart attack, kidney failure, etc.
✅ Top-Up & Super Top-Up Plans – Additional coverage beyond the base policy, useful for high medical costs.
✅ Maternity Insurance – Covers childbirth, prenatal, and postnatal expenses.
✅ Personal Accident Insurance – Provides financial support for accident-related injuries or disabilities.
✅ Group Health Insurance – Offered by employers to their employees.
The best plan for you depends on your age, health conditions, family size, and financial goals. I can help you choose the right coverage based on your specific needs.
With rising medical inflation, having adequate coverage is crucial. Ideally, your sum insured should be at least ₹5–10 lakh per individual or ₹10–20 lakh for a family floater plan. If you live in a metro city or have a history of medical conditions, consider a higher sum insured or a super top-up plan for extra coverage.
Most comprehensive health insurance policies cover:
✅ Hospitalization Expenses – Covers room rent, ICU charges, doctor’s fees, nursing, etc.
✅ Pre & Post-Hospitalization – Expenses related to tests, medicines, and follow-ups before and after hospitalization.
✅ Daycare Procedures – Treatments like cataract surgery, chemotherapy, dialysis that do not require 24-hour hospitalization.
✅ Ambulance Charges – Cost of emergency ambulance services.
✅ Critical Illness Cover – Lump sum payout for serious illnesses like heart attack, stroke, or cancer.
✅ Maternity & Newborn Cover – Covers pregnancy-related expenses (available in some plans).
It’s important to read the policy document carefully to understand the inclusions and exclusions.
Yes, most health insurance policies do not cover:
🚫 Pre-existing diseases (for an initial waiting period)
🚫 Cosmetic or plastic surgery (unless medically required)
🚫 Dental & vision treatments (unless specified in the plan)
🚫 Self-inflicted injuries or drug/alcohol-related treatments
🚫 Alternative treatments like Ayurveda or Homeopathy (unless covered under specific plans)
🚫 Unproven experimental treatments
Understanding policy exclusions helps avoid surprises during claim settlement.
Most policies have a waiting period, which means you cannot claim for certain conditions immediately after buying a policy. The common waiting periods include:
📌 30 days – General waiting period for all non-accidental hospitalizations.
📌 2–4 years – For pre-existing diseases (varies by insurer).
📌 2–4 years – For maternity and newborn cover (in maternity insurance plans).
📌 1–3 years – For specific diseases like hernia, joint replacement, etc.
Choosing a plan with a shorter waiting period is advisable if you have pre-existing conditions.
Yes, you can still buy health insurance with a pre-existing disease, but insurers may:
✅ Apply a waiting period (2-4 years) before covering the condition.
✅ Charge a higher premium due to increased risk.
✅ Require a medical check-up before issuing the policy.
If you have a pre-existing illness, I can help you find the best plan with the lowest waiting period and best benefits.
No, if you opt for a cashless claim, the insurer directly settles the medical bills with the hospital. You just need to visit a network hospital and present your health insurance card. However, if you go to a non-network hospital, you may need to pay first and get reimbursed later.
Yes, health insurance portability allows you to switch insurers without losing benefits like waiting periods. You must:
📌 Apply for portability before your current policy expires.
📌 Provide details of your existing policy and claims history.
📌 Ensure that the new insurer accepts your request.
I can assist in choosing a better plan if you’re considering portability.
Yes, health insurance premiums are tax-deductible under Section 80D of the Income Tax Act:
✅ Up to ₹25,000 per year for self, spouse, and children.
✅ Up to ₹50,000 per year for parents (if they are senior citizens).
✅ Total deduction up to ₹75,000 per year if you buy for yourself and senior citizen parents.
This helps you save on taxes while ensuring financial protection.