Comprehensive Medical Coverage for You & Your Family
Get cashless treatment, tax benefits, and complete protection for your loved ones across India.
- 10,000+ Network Hospitals
- ₹5 Lakh Cover starting ₹500/month
- Cashless Treatment Available
- Tax Benefits under Section 80D
Types of Health Insurance Plans
Pick the plan that best fits you and your family's healthcare needs.
Individual Health Plan
Dedicated cover for a single insured person
- Sum insured: ₹2L to ₹1 Crore
- Cashless hospitalisation
- Pre & post-hospitalisation cover
- Day-care procedures included
Family Floater Plan
One plan covers your entire family
- Shared pool for all family members
- 2 adults + up to 4 children
- Maternity benefit available
- New-born cover from day 1
Senior Citizen Plan
Specially designed for ages 60 and above
- No pre-policy medical check-up
- Pre-existing disease cover (2yr)
- Domiciliary hospitalisation
- Higher tax benefit under 80D
Critical Illness Plan
Lump sum payout on critical diagnosis
- Covers 36+ critical illnesses
- Cancer, stroke, heart attack
- Lump sum on first diagnosis
- No hospitalisation required
Top-Up Health Plan
Boost your existing health coverage
- Activates after deductible limit
- Very affordable premium
- Works with employer group plan
- Up to ₹1 crore additional cover
Group Insurance
Corporate health cover for employees
- Covers all employees & dependants
- No medical check-up required
- Lower premium per person
- Customisable benefit structure
Popular Add-ons & Riders
Customise your cover with powerful add-ons for complete peace of mind.
Room Rent Waiver
Remove sub-limits on room rent for any hospital room category
Maternity Cover
Covers normal & caesarean delivery expenses and new-born care
Consumables Cover
Pays for gloves, syringes, PPE kits & other medical consumables
Worldwide Coverage
Emergency medical expenses covered while travelling internationally
Ambulance Cover
Road and air ambulance charges fully reimbursed in emergencies
Daily Cash Benefit
Fixed daily cash allowance for each day of hospitalisation
OPD Cover
Doctor consultations, diagnostics & pharmacy without hospitalisation
No Claim Bonus
Cumulative bonus increases your sum insured for every claim-free year
What Is & Isn't Covered
Complete transparency on your health insurance coverage — no surprises.
What's Covered
- In-patient hospitalisation (24+ hours)
- Pre & post-hospitalisation expenses
- Daycare procedures & surgeries
- ICU & critical care charges
- Organ donor expenses
- Ambulance charges
- Road traffic accident injuries
- Ayush treatment (AYURVEDA/YOGA)
What's Not Covered
- Pre-existing diseases (first 2–4 years)
- Cosmetic or plastic surgery
- Dental treatment (unless accidental)
- Self-inflicted injuries
- Treatment for alcohol/drug abuse
- War or nuclear-related injuries
- Experimental or unproven treatments
- Rest cures & convalescence homes
How to File a Health Insurance Claim
Four simple steps to cashless or reimbursement settlement.
Get Admitted to Network Hospital
Present your health card at any of our 10,000+ network hospitals. Our desk will initiate your cashless request immediately.
Submit Documents
Provide your policy details, ID proof, and completed claim form. Our team reviews and processes everything digitally within hours.
Claim Verification
Our medical team verifies the treatment and hospitalisation. Pre-authorisation for cashless claims is granted within 2–4 hours.
Settlement & Payment
For cashless claims, the hospital bill is settled directly. For reimbursements, the amount is transferred to your account within 7 days.
Tax Benefits with Health Insurance
Health insurance is one of the smartest ways to save tax under Section 80D.
Self & Family — ₹25,000
Premium paid for self, spouse and dependent children qualifies for up to ₹25,000 deduction under Section 80D annually.
Parents — ₹25,000
An additional ₹25,000 deduction is available for premiums paid towards health insurance of your parents (non-senior citizens).
Senior Parents — ₹50,000
If your parents are senior citizens (60+), the deduction limit doubles to ₹50,000. Combined savings can reach ₹75,000/year.
Health Insurance FAQs
Everything you need to know before buying a health plan.
Most health insurance policies have a waiting period of 2 to 4 years for pre-existing diseases. After this period, all declared pre-existing conditions are fully covered. Some policies offer reduced waiting periods of 1 year for an additional premium.
At a network hospital, you show your health card and policy details. The hospital initiates a pre-authorisation request with the insurer. Once approved, your bills are settled directly between the insurer and hospital — you pay nothing out of pocket (except non-covered items).
New family members (newborns, newly married spouse) can typically be added within 30–90 days of the life event by paying pro-rated premium. Additions outside this window are usually allowed only at renewal.
An individual plan covers only one person for the full sum insured. A family floater shares the sum insured across all covered members. If one member uses the full sum, others have no remaining cover for that year. Family floaters are more economical for young, healthy families.
For individuals below 45 with no declared pre-existing conditions, medical tests are usually not required. However, for higher sum insured amounts, older applicants, or those with health conditions, the insurer may ask for specific medical tests before issuing the policy.
NCB in health insurance increases your sum insured (not a discount like in vehicle insurance) for each claim-free year without any extra premium. Typically, the sum insured increases by 5–50% annually up to a maximum cap, rewarding you for staying healthy.