- High coverage at affordable premiums
- Financial protection against rising medical expenses
- Tax benefits under Section 80D of the Income Tax Act
- Cashless treatment at a wide network of hospitals
- Dedicated claim support for a hassle-free experience
4 reasons to choose us
Easy application and quick response
From application to approval, all in one seamless digital journey.
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What are the key benefits of buying Health Insurance Plans Online?
Here are the key benefits of buying health insurance plans online-
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Greater convenience
Buy your policy from the comfort of your home—no need to visit branches or schedule appointments with agents.
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Exclusive online discounts
Enjoy special premium discounts when you purchase your policy online.
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Lower premiums
Online plans are often more affordable as insurers save on administrative and operational costs.
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Minimal paperwork
Say goodbye to long forms—most online purchases require little to no physical documentation.
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Secure digital payments
Use safe and hassle-free digital payment methods instead of cash transactions.
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Quick and time-saving
The entire process—from purchase to policy issuance—takes just a few minutes.
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24x7 availability
Buy your health insurance policy anytime—even on weekends or public holidays.
What is covered in a health insurance plan?
Here’s a quick look at the inclusions of Health Insurance policies:
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In-patient hospitalisation expenses
Get coverage for hospitalisation expenses incurred due to illness or accidental injuries sustained during the policy period
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Pre- and post-hospitalisation expenses
Covers medical costs incurred due to an illness or injury from 60 days before hospitalisation
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Critical illnesses
Get coverage for critical illnesses such as asthma, cholesterol, diabetes, and high blood pressure
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Road ambulance charges
Get coverage for road ambulance charges up to the amount mentioned in the policy details. The ambulance coverage is applicable for transporting the policyholder to the hospital
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Domiciliary hospitalisation
Get coverage for availing of hospital-like treatment at home
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Daycare procedures
Get coverage for daycare procedures that require less than 24 hours of hospitalization
Why buy a Health Insurance plan at an early age?
Buying medical insurance plans at an early age has numerous benefits. Here are a few reasons to consider buying health insurance plans when you are young:
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Low premiums
Health insurance premiums are determined based on your age. So, the younger you are, the lower the premiums.
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Lesser health issues
Typically, you experience fewer health issues compared to those in their thirties, which increases your likelihood of obtaining comprehensive coverage. With minimal or no pre-existing conditions, securing a strong medical policy becomes easier, giving you an early advantage in insurance planning.
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Avoiding the waiting period
Most health insurance policies have a waiting period of 2-3 years for pre-existing illnesses. Buying a health insurance plan at an early age ensures you have coverage when you need it.
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Comprehensive coverage
Buying a health insurance plans earlier ensures you get comprehensive coverage. So, you stay protected against unforeseen medical emergencies.
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Tax benefits
You can claim deductions under section 80D of the Income Tax Act for the premium paid towards your health insurance policy.
Policy Benefits
Frequently asked questions
Overview
Features
Coverage
How much does an individual need to pay to get a health insurance plan?
The premium for a health insurance plan depends on factors like age, medical history, sum insured, type of coverage, and add-on benefits. Higher coverage and additional riders usually increase the premium amount.
How to calculate health insurance premium online?
Visit the insurer’s website, open the premium calculator, enter details like age, gender, coverage amount, and medical history. The calculator will instantly show the estimated premium.
Can I avail of tax benefits against premiums paid towards health insurance policy?
Yes. Under Section 80D of the Income Tax Act, you can claim tax deductions on health insurance premiums paid for yourself, family, and parents, subject to applicable limits.
What is the cost of health insurance in India?
The cost varies based on age, health condition, coverage amount, city, and policy benefits. Premiums are generally lower for younger individuals.
What is the cost of a health insurance plan per month?
Monthly premiums can start from around ₹300 and increase depending on the sum insured, age, and additional benefits chosen.
Can we get health insurance money back?
Some plans offer return-of-premium benefits or No Claim Bonus (NCB), which may increase your coverage or reduce future premiums.
How does smoking or tobacco use affect premiums?
Smokers and tobacco users generally pay higher premiums because they are considered at higher risk for lifestyle-related diseases.
Is it better to pay health insurance annually or monthly?
Annual payments are usually more cost-effective, while monthly payments provide flexibility and easier budgeting.
How many times can I claim medical insurance?
You can claim multiple times during a policy year until the sum insured limit is exhausted.
Will my existing health insurance policy cover hospitalisation expenses during COVID-19?
Most health insurance plans cover COVID-19 hospitalisation, including pre- and post-hospitalisation expenses, depending on policy terms.
Are any waiting periods applicable to claims under COVID-19?
Yes. Many COVID-19 policies have a waiting period ranging from 15 to 30 days.
Will the policy cover the expenses for home quarantine?
Many insurers cover home care treatment if home isolation is medically advised.
What are pre-existing diseases in health insurance?
These are illnesses or medical conditions diagnosed before purchasing the policy, such as diabetes, asthma, or thyroid disorders.
Does health insurance cover pre-existing conditions?
Yes, many insurers cover pre-existing diseases after a waiting period, usually between 2–4 years.
What is a ‘waiting period’ in health insurance?
It is the duration during which certain claims are not allowed after buying the policy.
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Disclaimer
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