Health Insurance

Healthcare costs in India are rising. You can secure yourself and your family against unexpected financial emergencies arising out of a serious illness, hospitalisation and surgeries. Health Insurance protects you against rising healthcare costs and financial uncertainty associated with unforeseen hospitalisation due to accidents or illnesses. Health insurance policies with cashless health-card benefit and best medical health policy can be compared here.

It is always better to start your health insurance cover at an early age and ensure that you have adequate health insurance for yourself and your family. Remember that health insurance cost increases with Age and premiums are lower for people in good health. There are various health insurance products available in the market.

There are many different options for insurance health plans and mediclaim policies for individuals. Individual Health Plans provide cover for an individual for hospitalisation and day-care procedures (where treatment is for less than 24 hours in hospital). Some Health Insurance Plans also provide cover for treatments such as dental, maternity, etc.

Before buying a health insurance policy, you should compare health plans available for your requirements.

When comparing health plans, check for the sum assured that you need, compare ‘benefits’ provided by the insurance plan, ‘waiting periods for pre-existing diseases’, ‘exclusions’ or treatments not covered by the Insurance Plan, ‘sub-limits’ for different types of expenses incurred, etc. You can easily compare health insurance premiums and benefits using our comparison tool above.

Family Floater Health Insurance policies provide a health cover for the entire family (usually restricted to self, spouse and children – parents are not covered under such plans).

Family Floater Health Insurance provides a sum assured that is “common” for all the family members covered under the policy, with the total amount of claim restricted to the total sum assured in any one year. The sum assured under this family health insurance is available for any or all members of the family covered under the policy.

Again, before buying you should Compare Family Health Plans using our tools above.

While comparing family floater policies, you should not only compare health insurance premiums, and other points as mentioned above, but also compare features such as availability of ‘Cashless Hospitalisation’, ‘Cumulative Bonuses and Discounts’, ‘Maximum age of Renewal’, ‘Exclusions’ etc.

Read our article on key points to remember when comparing health insurance “How to Buy Health Insurance”

Our Health Insurance FAQs and guides provide you with the information you need to understand Health Insurance product features, benefits and exclusions to make an informed choice.

Premiums paid on Health Insurance policies for self, dependents and parents are eligible for tax deduction under the currently prevailing tax regime u/s 80D. For details of tax benefits available, click here.

i-save.com helps you get information, compare prices and apply online for Health Insurance plans from leading insurance companies in India. Our comparisons of health insurance plans are unbiased and help you with easy to understand comparison of premium, benefits and features of health plans offered by various health insurance companies.

The i-save comparisons provide a comprehensive listing of health plans, highlighting key parameters of cost to customer, product features and benefits.

Save time and money by comparing Health plans and get the best health insurance policies available in India. Use our tools and calculators for insurance planning and to determine how much insurance is adequate for you.