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Health Insurance

What is Health Insurance?

Health Insurance is a type of insurance policy that covers the cost of hospitalization and medical treatment. It covers several healthcare services such as surgeries, hospital stays, doctors' consultations,scanning, medical tests and medicines. Health insurance is popularly known as medical insurance.
Medical Insurance protects your entire family against the financial burden imposed by high healthcare costs. The policy pays for all the major medical expenses that you would otherwise pay out of your pocket. The health insurance policy covers everything from routine checkups to complex surgeries.

Why Do I Need Health Insurance?

What is Covered Under Health Insurance?

Inpatient Care

All the expenses related to hospitalization and medical treatments, including room rent, are covered. This requires a minimum hospital stay of 24 hours.

Daycare Procedures

Treatments that require less than 24 hours of hospitalization, such as cataracts, dental procedures, and other minor surgeries, are covered.

Maternity Care

Expenses related to pre-natal & post-natal care and delivery are covered.

Emergency Care

Expenses on emergency medical care, such as first-aid and ambulance charges, are covered.

Pre and Post Hospitalisation Expenses

Ambulance Charges

Non Medical Expenses

What Is not covered under health Insurance?

Cosmetic Treatments

Dental Treatments

Deliberate Injuries

Diagnotics Expenses

Hazardous Sports

Assisted Reproductive Technology

Unhealthy Living

Birth Defect

Investigation and evaluation

Gender Change Treatment

Unproven Treatment

Addiction Treatment

Things to Consider Before Buying Health Insurance

Some important factors to consider before you buy health insurance are as follows:

Type of Plan

Make a list of all the risk factors for which you want coverage. Do you want an individual plan, a family floater, 

Features & Benefits

Check the features and benefits of health insurance plans. See whether they match your requirements.

Network Hospitals

Check the hospitals and clinics that are part of the insurer’s network. Know what kind of treatment facilities they offer.

Co-payment

Limit of room rent 

Waiting period

Lookout for sub-limits

Note:

The policy coverage, features, and benefits may vary across plans and insurance providers. Please check the same before buying health insurance plans.

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