- Compare plans from leading insurers in one place
- Premiums starting from Rs. 9.3/day*
- Pay premiums conveniently with Easy EMI options
- High sum insured options at affordable premiums
- Cashless treatment across a wide network of hospitals
4 reasons to choose us
Easy application and quick response
Access cashless treatment at extensive hospital networks during emergencies.
Say goodbye to paperwork and hello to hassle-free applications.
Fast, transparent, and stress-free claims.
Choose Health Insurance plan as per your need
Types of health insurance plans
Health insurance plans are designed to meet different healthcare needs. Understanding the available options can help you choose a policy that best suits your age, family size, and medical requirements.
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Individual health insurance
Covers the medical expenses of a single individual up to the chosen sum insured.
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Family health insurance
Provides a shared sum insured for you, your spouse, children, and other eligible family members under one policy.
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Critical illness health insurance
Offers a lump-sum payout on the diagnosis of specified critical illnesses covered under the policy.
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Senior citizen health insurance
Designed for individuals aged 60 years and above, covering age-related healthcare and hospitalisation expenses.
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Personal accident insurance policy
Provides financial protection against accidental death, permanent disability, or partial disability caused by an accident.
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Super top-up health insurance
Enhances your existing health insurance coverage by providing additional protection once the deductible limit is crossed.
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 Medical Insurance?
Medical insurance, also known as health insurance, is a type of insurance policy that covers medical expenses for illness or injury. Medical insurance plans offer coverage for hospitalisation expenses, pre-and post-hospitalisation expenses, and other medical expenses. There are different types of medical insurance policies available, such as individual, family, senior citizen, and group medical insurance plans. It is important to note that medical insurance are used interchangeably, but health insurance covers preventive care, whereas medical insurance covers medical expenses due to an illness or injury.
Health insurance at a glance
Here are some key features to check before buying any Medical and Health Insurance policy:
Features | Specifications |
Premium starts | Rs. 9.3/day* |
Sum insured (medical coverage) | Rs. 5 lakh to Rs. 50 lakh |
Cashless treatment | 10,000+ hospitals |
Pre-and post-hospitalisation expenses | Covered |
Tax benefits | Included |
Ambulance expenses | Included |
Pre-existing diseases | Covered (according to the plan terms and conditions) |
Daycare procedures | Up to 527 daycare treatments |
Difference between health insurance and medical insurance
Here’s a quick overview of the key differences between Health Insurance and Medical Insurance plans:
Features | Health insurance | Medical insurance |
Scope of coverage | Health insurance covers both preventive care and medical treatment. This includes regular check-ups, screening tests, vaccinations, as well as hospitalisation expenses and medical procedures. | Medical insurance covers expenses related to accidents or illnesses, including hospitalisation, diagnostic tests, surgeries, and medication. |
Number of claims | There is usually a limit on the number of claims per year. | Medical insurance may have a limit on the total value of claims or a limit on the number of days of hospitalisation. |
Premium | Health insurance comes at a higher premium than medical insurance as it covers a broader range of services. The premium depends on the age, health condition, and coverage required. | Medical insurance policy premiums depend on the policy coverage and whether it is an individual, family, or group policy. |
Sum insured | Depends on the health insurance coverage chosen. | For medical insurance too, the coverage amount depends on the policy chosen. |
Add-on covers | Available | Available |
How does health insurance work?
Health insurance works by helping you pay for eligible medical expenses in exchange for a regular premium. Once you buy a policy, the insurer provides coverage up to the sum insured for covered treatments during the policy period.
Here's how it works:
- Buy a policy: Choose a health insurance plan based on your healthcare needs and budget.
- Pay the premium: Pay the premium monthly, quarterly, or annually to keep the policy active.
- Get medical treatment: Visit a network or non-network hospital when you need medical care.
- Raise a claim: Opt for a cashless claim at a network hospital or pay the bills first and file a reimbursement claim.
- Claim settlement: The insurer verifies the claim and settles eligible medical expenses as per the policy terms and conditions.
What are the documents required for health insurance?
To buy or renew a health insurance policy in India, you’ll need to submit a few KYC (Know Your Customer) documents for identity and address verification. Below is the list of commonly accepted documents:
- Identity proof – Aadhaar Card, PAN Card, Passport, Voter ID, or Driving Licence.
- Address proof – Aadhaar Card, Passport, Utility Bills, or any other valid address proof.
- Age proof – Birth Certificate, Passport, Aadhaar Card, or Driving Licence.
- Passport-sized photographs – Recent photographs of the proposer and insured members, if required.
- Medical reports – Pre-policy medical examination reports, if requested by the insurer based on age, sum insured, or medical history.
- Income proof – Salary slips, bank statements, or Income Tax Returns (required for certain plans).
- Completed proposal form – A duly filled application form containing personal, nominee, and health-related details.
- Existing policy details – Previous health insurance policy documents if you are porting or renewing a policy.
These documents help verify your personal details and ensure a smooth policy issuance or renewal process.
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.
What are health insurance riders?
Riders are optional add-ons you can attach to your health insurance policy for an extra premium, giving you coverage that goes beyond your base plan. How much a rider costs depends on factors like your age, the sum insured you choose, and the kind of protection it offers. Here are five riders worth considering:
- Maternity Rider — Covers childbirth-related expenses, including delivery costs and pre/post-natal care. Some insurers extend this to cover the newborn for the rest of the policy term. Keep in mind this rider typically comes with a waiting period, which can be anywhere from 9 months to 6 years depending on the insurer.
- Consumables Rider — Hospital bills often include small non-medical items — gloves, syringes, bandages, registration fees, and the like — that base policies usually don't cover. These can add up to 10-20% of your total bill. This rider takes care of those costs, cutting down what you'd otherwise pay from your own pocket.
- Critical Illness Rider — Pays out a fixed lump sum if you're diagnosed with a serious illness like cancer or a heart condition for the first time during your policy period — regardless of your actual treatment costs. It usually comes with a 90-day waiting period and a 30-day survival clause, and most policies cover somewhere between 10 and 40 listed illnesses.
- Personal Accident Rider — Provides compensation if an accident leads to disability or death. A permanent total disability gets you the full sum insured, while partial disability pays out a proportion based on severity. It's sometimes called a double indemnity rider since your family receives a death benefit if the accident proves fatal.
- Hospital Cash Rider — Gives you a fixed daily cash amount to help cover incidental expenses while you're hospitalized. If you end up in the ICU, this doubles for those days. You'll need to be admitted for at least 24 hours for this to kick in, and the payout amount depends on your policy terms.
- Room Rent Waiver — Removes the cap on how much your insurer will pay toward your hospital room rent, letting you choose a room without worrying about sub-limits or paying the difference yourself.
What are the eligibility criteria to buy a health insurance plan?
Whether you qualify for a health insurance plan depends on a few key factors — mainly your age and medical history. Here's a quick snapshot of what most insurers look at:
Criteria | Specifications |
Entry Age for Adults | 18 years and above |
Entry Age for Dependent Children | 90 days to 25 years |
Pre-Medical Screening | Required above 45/55/60 years, depending on the plan |
- Age criteria — Any adult above 18 can buy a health insurance policy. Children can usually be added anywhere between 90 days and 25 years of age, though the exact cut-off varies by insurer and plan.
- Pre-medical screening — If you're above 45 or 55 (this threshold differs by insurer), you may need to undergo a medical check-up before your policy is issued. For senior citizen health plans, pre-policy medical tests are almost always mandatory.
- Disclosing pre-existing diseases — Conditions like diabetes, high blood pressure, heart disease, or kidney disease that you already have when buying the policy are treated as pre-existing diseases (PED). These typically get covered only after a waiting period of 1 to 3 years, and insurers will ask about them upfront at the time of purchase.
It's important to disclose all pre-existing conditions honestly — including habits like smoking or drinking — since hiding them can lead to claim rejection later, right when you need the payout the most.
Your insurer uses all of this information together to decide your final coverage and premium.
Some common myths about health insurance
Before you buy a policy, it helps to separate fact from fiction. Here are a few misconceptions that trip people up:
- Health insurance is too expensive."
A basic health insurance plan can cost as little as a few hundred rupees a month, especially if you buy it young. The cost of not having cover — a single hospital stay — is almost always higher than years of premiums. - "I don't need health insurance because I have savings."
Savings can disappear fast in a medical emergency, especially with a serious illness or long hospital stay. Health insurance protects those savings so they're still there for the goals you actually saved them for. - "Online health insurance policies are not genuine or safe to buy."
Buying online is just as legitimate as buying through an agent — as long as you purchase directly from the insurer's website or a trusted platform. In fact, buying online often works out cheaper since there's no agent commission involved. - "A cheaper premium means a better health insurance plan."
A low premium can mean lower coverage, higher sub-limits, or more exclusions. It's worth comparing what each plan actually covers rather than just going by the price tag. - "I can buy health insurance right before I need surgery or treatment."
Every policy has an initial waiting period (usually 30 days) before most claims are payable, and pre-existing conditions take even longer. Buying insurance only works if you do it well before you actually need it. - "Once I buy a policy, my premium will never increase."
Premiums can increase at renewal — insurers revise pricing based on your age, claims history, and overall risk trends in the industry. It's a good idea to review your policy at each renewal rather than assuming it'll stay the same. - "Claims are always rejected or delayed."
Most claims get settled without issues as long as the information you provided at purchase was accurate and complete. Delays or rejections usually happen due to non-disclosure or incomplete documentation — not because insurers are looking for reasons to deny claims. - "I only need health insurance for myself, not my family."
A single hospitalisation for any family member — a child, spouse, or parent — can be just as financially draining. A family floater plan or individual policies for each member help make sure everyone's protected.
No Claim Bonus (NCB) and other loyalty benefits in health insurance
A No Claim Bonus (NCB) is a reward offered by insurers when you do not raise any claims during a policy year. It may increase your sum insured without an additional premium or provide a premium discount, depending on the policy terms.
Apart from NCB, many health insurance plans offer loyalty benefits such as cumulative bonus, wellness rewards, preventive health check-ups, renewal discounts, and access to health and fitness programmes. These benefits encourage policyholders to maintain good health while enhancing the overall value of their 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.
Which is the best health insurance plan in India?
There is no single "best" health insurance plan in India. The right plan depends on your age, medical history, budget, coverage needs, network hospitals, claim settlement process, and additional benefits. Compare multiple plans before making a decision.
Is a PAN card mandatory to buy health insurance?
No, a PAN card isn't mandatory to purchase a health insurance policy. Insurers may ask for it only to verify your identity and age, not as a compulsory requirement.
When is open enrollment for health insurance in 2026?
India does not have a fixed open enrollment period for purchasing health insurance. You can buy or renew a health insurance policy at any time during the year. However, some employer-sponsored group health insurance plans may have specific enrollment windows set by the employer.
What is a deductible in health insurance?
A deductible is the amount you must pay out of your own pocket before your health insurance policy starts covering eligible medical expenses. Once the deductible is met, the insurer pays the covered expenses according to the policy terms and conditions
Is income proof required to buy health insurance?
No, most insurers don't ask for income proof when you buy a health insurance policy. Basic KYC documents like ID and address proof are usually enough.
Can I buy a health insurance policy without going through an agent?
Yes, you can buy health insurance directly from the insurer's website or through an online platform like Bajaj Finance Insurance Mall — no agent required. This also means no brokerage fees, and you can compare and choose your plan at your own pace.
What is the policy tenure for health insurance plans?
Health insurance plans in India are usually available for 1, 2, or 3-year terms, and some insurers even offer up to 5 years. Longer tenures often come with a discount on the total premium, so it's worth comparing before you decide.
What's the difference between an individual and a family floater health insurance plan, and which should I choose?
An individual plan gives each family member their own separate sum insured, while a family floater plan lets the whole family share one common sum insured — usually at a lower combined premium. Floater plans work well for younger, smaller families; if your family has older members or someone with health conditions, individual plans might offer more reliable coverage since one person's claim won't eat into everyone else's cover.
Can I buy separate health insurance for my spouse or siblings?
Yes. You can insure your spouse, siblings, or any other family member either under their own individual policy or by adding them to a family floater plan, depending on what suits your household better.
Which diseases or conditions are usually not covered under health insurance?
Most health insurance policies exclude HIV/AIDS treatment (though a few insurers do cover it), congenital external conditions, sexually transmitted diseases, and cosmetic or dental treatment unless medically necessary. Since exclusions vary by insurer, it's a good idea to check your specific policy wording for the full list.
Is there a health insurance plan with no waiting period at all?
Every health plan has a standard 30-day initial waiting period, except for accidental hospitalisation, which is covered from day one. Some insurers do offer "Day 1 coverage" for select pre-existing conditions as an add-on, letting you skip the usual multi-year wait.
Disclaimer
*T&C Apply. Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited), HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Axis Max Life Insurance Limited((formerly known as Max Life Insurance Company Limited.), Bajaj General Insurance Limited(Formerly known as Bajaj Allianz General Insurance Company Limited), SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Company Limited, Star Health & Allied Insurance Company Limited, Care Health Insurance Company Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. For more details on risk factors, terms xit and conditions and exclusions please read the product sales brochure & policy wordings carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also distributor of other third party products from Assistance service providers such as CPP Assistance Services Private Limited, Bajaj Finserv Health Limited. etc. All product information such as premium, benefits, exclusions, value added services etc. are authentic and solely based on the information received from the respective Insurance company or the respective Assistance provider company.
Note- While we have made all the efforts and taken utmost care in gathering precise information about the products, features, benefits etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective products sales brochure and policy/membership wordings before concluding sales.