More Healthy more safe :
Pre & post-hospitalisation expenses covered.
Cashless treatment at network hospitals.
Day-care procedures (no 24-hour stay needed).
Protection against high medical bills.
Family coverage under one plan.
Tax benefits under Section 80D (India).
Points Before Purchasing Health insurance policy :
Step 1: Buy Early
Purchase health insurance at a young age to get lower premiums, shorter waiting periods, and broader coverage.
Step 2: Choose the Right Policy Type
Select Individual plans for single members or Family Floater plans for young families. Avoid floater plans for senior parents.
Step 3: Fix Adequate Sum Insured
Opt for a minimum ₹10–15 lakh per person and ₹15–25 lakh for families, considering rising medical inflation.
Step 4: Avoid Sub-Limits
Choose plans with no room rent limit, no disease-wise caps, and minimal internal restrictions.
Step 5: Check Waiting Periods
Prefer policies with short pre-existing disease waiting (2–3 years) and reasonable maternity waiting periods.
Step 6: Ensure Cashless Hospital Network
Verify availability of cashless hospitals near your residence and workplace.
Step 7: Add Super Top-Up Plan
Combine a base policy with a Super Top-Up to increase coverage at a lower cost.
Step 8: Select Useful Add-Ons
Include restoration benefit, no-claim bonus, and consumables cover.
Step 9: Check Claim Performance
Choose insurers with high claim settlement ratio and efficient claim process.
Step 10: Ensure Lifetime Renewability
Lifetime renewability is essential for long-term health security.