Find the best Health Insurance for you

Health Insurance provides comprehensive coverage for a wide range of medical expenses, including hospitalization, surgeries, and outpatient treatments. In contrast, Mediclaim primarily focuses on reimbursing hospitalization costs incurred due to illness or accidents.

Yes, purchasing health insurance is advisable for financial protection against unexpected medical expenses, ensuring peace of mind during health crises.

To successfully claim health insurance:

Notify your insurer within 24 hours for emergency hospitalizations and 48 hours for planned admissions.
Submit reimbursement documents within 30 days post-discharge and follow up on your claim status.

Standard health insurance plans often do not cover dental treatments. However, some policies may offer optional dental coverage. Always check the policy details or consult your insurer to understand the coverage options available.

A No-Claim Bonus is a reward given to policyholders for each claim-free year, resulting in discounts on premiums or an increase in the sum assured, typically ranging from 5% to 50% upon renewal.

While there’s no specific age to buy health insurance, it’s recommended to acquire it early to secure lower premiums. Purchasing in your 30s or younger can lead to better benefits at reduced costs.

Dependents typically include individuals who rely on the primary policyholder for financial support, such as a spouse, children, and parents. Dependent coverage may extend to children up to 25 years if they are students or unmarried.

In some health insurance plans, co-payment requires the policyholder to pay a percentage of the expenses incurred. This option can lead to reduced premiums. Deductibles refer to the fixed amount that must be paid out-of-pocket before the insurer covers the remaining costs.

Day care coverage refers to medical procedures that do not require a minimum 24-hour hospitalization. Many insurers offer specific health insurance plans that cover these outpatient treatments.

Domiciliary hospitalization occurs when treatment is provided at home due to the patient’s inability to be moved to a hospital. This is usually applicable when hospital accommodation is unavailable or the patient cannot be transported.

Most standard health insurance plans do not cover homeopathy. However, some insurers provide plans that include coverage for AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) treatments. Check with your insurer for specific details.

A health card is an identity card issued by the insurer containing essential information such as the policyholder’s insurance account number, name, age, gender, policy expiry date, and more. It is mandatory to present the health card during hospitalization.

Medical examinations are generally not required to purchase health insurance. However, insurers often require medical tests for applicants over 45, varying based on age and the insurer’s requirements.

The sum insured is the maximum amount an insurance company will pay for claims made during a policy year due to illness or accidents. It represents the coverage limit provided by the policy.

A free look period refers to the initial 15 days after policy inception, during which you can review the policy details. If you choose to cancel during this time, no cancellation fee will be charged.

You can add family members to your health insurance plan during renewal or purchase. Family health insurance typically covers you, your spouse, dependent children, and parents as per the policy terms.

Pre-hospitalization charges are medical expenses incurred before admission, while post-hospitalization charges cover follow-up treatments after discharge. Health insurance typically covers pre-hospitalization expenses for 30 to 60 days and post-hospitalization expenses for 60 to 90 days, depending on the policy.