Health insurance provides financial coverage for medical expenses, including hospitalization, doctor consultations, surgeries, and medications. It helps reduce the financial burden of healthcare costs.
Individual Health Insurance – Covers one person for medical expenses.
Family Floater Insurance – A single policy covering the entire family under one sum insured.
Group Health Insurance – Provided by employers for employees and sometimes their families.
Senior Citizen Health Insurance – Tailored for individuals above 60, covering age-related health issues.
Critical Illness Insurance – Provides a lump sum payout for serious illnesses like cancer, heart disease, or stroke.
Top-up & Super Top-up Plans – Additional coverage beyond a basic policy once the deductible is met.
Hospitalization Coverage – Covers in-patient expenses, surgeries, and ICU charges.
Pre & Post-Hospitalization – Pays for expenses incurred before and after hospital admission.
Cashless Treatment – Bills are settled directly with network hospitals.
Daycare Procedures – Covers minor surgeries that don’t require 24-hour hospitalization.
Maternity Benefits – Covers childbirth-related expenses (available in select plans).
No-Claim Bonus (NCB) – Discounts or increased sum insured for claim-free years.
Coverage Amount – Choose a sum insured that covers rising medical costs.
Network Hospitals – Check if your preferred hospitals are in the insurer’s network.
Waiting Period – Time before pre-existing diseases and maternity benefits are covered.
Co-payment & Deductibles – The portion of medical expenses you pay out-of-pocket.
Premium Costs – Compare different plans to find the best coverage at a reasonable price.
