Access to best healthcare for you & your family
Assured timely finance during medical emergencies
Helps avail cashless treatments in leading hospitals
Preventive care with free annual health check-ups
What is Health Insurance?
Health insurance protects you from unexpected, high medical costs. In case you or any family members covered under the policy is hospitalized, Health Insurance company will pay for the hospital expenses up to the cover amount (called sum insured) you have selected.
The medical expenses include room rent charges, doctor‘s consultation fees, surgery fees, nursing fees, cost of medicines, X-rays, ECG, MRI, Blood, Oxygen, etc. incurred during hospitalization of 24 hours or more.Get Personalized Plan
Health insurance benefits
Covers your hospital bills
Get cashless claims in Network hospitals. Or reimburse hospitals bills incurred at non-network hospitals in times of health emergencies.
Tax savings of up to ₹15,600
Health care plans provide tax benefit. Save up to ₹15,600 by buying Health Insurance for Family as well as Parents.
Free Periodic health check-ups
With Health Insurance Policy, save big on your preventive health check-up costs year on year.
Covers Pre & Post hospitalization expenses
Apart from inpatient treatment costs, Health Insurance also pays for expenses upto 30-60 days, even before and after your hospital stay.
Why buy on ETMONEY?
Fast, easy & paperless
Instant tax proof
Complete assistance for purchase & claims
One click payment via EasyPay
Best Health Insurance Plans
|Top Plans||Cover Amount||Cashless Hospitals||Premium/Yr|
|Complete Health Insurance iHealth Budget|
|Care (formerly Religare) Care|
|HDFC ERGO Health Suraksha Silver Smart|
|Star Health Comprehensive Individual|
|Star Health Family Health Optima|
Myths about Health Insurance
Health insurance is costly, I don't need it
Earlier you buy, the lower it costs and increases coverage for most diseases. Pre-existing diseases & other lifestyle diseases get covered faster if you buy early.
Emergencies come with prior announcements
Health emergencies often come without forewarning. Health insurance ensures quality healthcare when you most need it.
Young & Healthy people don't need Health Insurance
Diseases dont't look at your age or how healthy you are before hitting you. Get Health insurance & better be prepared for all eventualities.
Employer provided Health Cover Is Sufficient
Employer group may not cover all hospitalization costs. There are lots of exclusions, sub-limits and other charges which require you to share hospital bills upto 20-30%
Smokers are not eligible for health insurance
Health insurers do cover smokers. Smoking itself does not lead to policy rejection unless you smoke more than 20 cigarettes/day.
Existing diseases are covered right after purchase
Time-limits called 'waiting periods' under health policy allow hospitalization claims only after the first 30 days and after 2-4 years for any existibng diseases and surgeries.
Things to know