Health Happens- Be Ready For It!
Personal Health Insurance Get Quote
Click to submit your details and receive a customised quote. Have questions about your coverage? Our team will call you within 1 business day.
Our Insurance Partners
Know your policy
Everything you need to know
What is Personal Health Insurance
Health insurance: what it covers
Health insurance pays for hospitalisation, surgery, day-care treatment, and medical costs before and after admission, up to your sum insured. Choose individual cover or a family floater shared by the whole family.
Why Is This Policy Vital for Everyone
Why health insurance matters
Hospital costs in India rise faster than general inflation, and a single admission can cost several lakhs. Health insurance keeps a medical emergency from becoming a financial one.
Know your policy
Understand your insurance before buying
Who Needs Personal Health Insurance?
Young Professionals & Singles
Budget-friendly coverage starting at ₹300/month protecting against accidents, lifestyle diseases, and emergency hospitalization.
Families with Children
Family floater plans covering spouses and kids under single policy with shared sum insured and affordable premiums.
Senior Citizens (60+ years)
Specialized senior plans covering age-related illnesses, pre-existing conditions, and OPD expenses with higher premiums but comprehensive coverage.
Self-Employed & Freelancers
Critical protection without employer-sponsored benefits, covering hospitalization, daycare procedures, and annual health check-ups.
Women & Maternity Coverage
Plans including maternity benefits, newborn coverage, and women-specific illnesses like PCOS and thyroid disorders.
Chronic Disease Patients
Coverage for diabetes, hypertension, and other chronic conditions after waiting periods with specialized disease management programs.
Types / Add-ons Commonly Offered
Individual Health Plan
Personal coverage for single member.
Family Floater
Shared coverage for entire family.
Critical Illness Rider
Lumpsum payout for cancer, heart attack, stroke.
Daily Hospital Cash
Fixed daily allowance during hospitalization.
OPD Coverage
Doctor consultation and diagnostic costs.
No-Claim Bonus
Premium discount or sum insured increase.
What Personal Health Insurance Covers
Hospitalization Costs
Expenses for hospital admission, treatment, and nursing charges.
ICU Charges
Intensive care unit costs during critical treatment.
Surgery Expenses
Surgeon fees, operation theatre charges, and related medical costs.
Pre-Post Hospitalization
Medical expenses incurred before admission and after discharge.
Daycare Procedures
Treatments requiring less than 24 hours of hospitalization.
Ambulance Charges
Emergency ambulance transport costs to the hospital.
Organ Donor Expenses
Medical costs of the donor for organ transplant surgery.
Room Rent
Hospital room charges as per the policy limits.
COVID-19 Treatment
Hospitalization and treatment costs for COVID-19.
Annual Health Check-up
Preventive health check-ups covered once a year.
AYUSH Treatment
Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatment coverage.
Domiciliary Hospitalization
Treatment taken at home when hospital admission isn't possible.
Inclusions & Exclusions
✓Inclusions
- Hospitalization Expenses — Room rent, ICU charges, nursing, and medical expenses during hospital admission (24+ hours typically).
- Pre & Post Hospitalization — Medical expenses 30-60 days before and 60-90 days after hospitalization.
- Daycare Procedures — Treatments requiring less than 24-hour hospitalization like cataract surgery, dialysis, chemotherapy.
- Ambulance Charges — Emergency transport costs up to the limit stated in your policy.
✗Exclusions
- Pre-existing Diseases — Conditions diagnosed before policy start are covered after a waiting period of up to 3 years (IRDAI rules from April 2024). Some plans offer shorter waits. After 5 continuous years (moratorium), a claim can't be rejected for non-disclosure except in proven fraud.
- Cosmetic Surgery — Aesthetic procedures, hair transplants, and beauty treatments not covered.
- Intentional self-injury and substance abuse — Excluded as per policy wording.
- War & Nuclear — Injuries from war, nuclear weapons, and radioactive contamination excluded.
- First 30 Days — Initial waiting period excludes all claims except accidents (some plans waive this).
FAQs
No. Pre-existing diseases are covered after a waiting period of up to 3 years (IRDAI rules from April 2024). Some plans offer shorter waits.
Yes. Portability allows switching insurers while retaining waiting period credits and no-claim bonuses.
Yes. IRDAI requires insurers to cover hospitalisation for mental illness on the same basis as physical illness.
Sum insured = total coverage; room rent = daily limit. If you exceed the room limit, you pay extra or upgrade your policy.
Yes. AYUSH in-patient treatment at recognised hospitals is covered up to the sum insured (IRDAI, April 2024).
Yes. If one policy's sum insured is not enough, you can claim the balance from another policy, up to your actual expenses.
IRDAI requires insurers to decide cashless requests within 1 hour and final discharge authorisation within 3 hours.