Health Insurance Services

Health insurance is the insurance which protects us from any health emergencies and incurred hospitalization expenses. In this busy and hectic life everybody should have a health insurance policy which can be very useful in time of emergencies. Health insurance, also known as medi-claim policy, allows you to claim cashless hospitalization or reimbursement up to the sum insured limit. Why Mediclaim policy is needed? ·  Every human suffers from some illness or injury in lifetime. ·  Emergencies or illness can come anytime without giving any warning. ·  Doctor’s fees, diagnostic charges as well as the medicines value are too expensive. Health is wealth.

Niva Bupa Health Insurance offers comprehensive coverage tailored to individual needs. Its services include access to a wide network of healthcare providers, consultations with expert doctors, diagnostic tests, hospitalization coverage, and post-hospitalization care. Additional benefits encompass wellness programs, preventive healthcare services, and emergency assistance. Niva Bupa prioritizes customer well-being, providing support for medical expenses, ensuring peace of mind through their robust health insurance plans.

• Type: Health Insurance Service
• Service Mode: Offline
• Payment Mode: Offline/ Online
• Location: Pan India

Our health insurance service provides individuals and families with comprehensive coverage options to ensure access to quality healthcare. We offer a variety of plans tailored to meet diverse needs and budgets, covering hospitalization, medical procedures, preventive care, and emergency services. With our health insurance, you gain peace of mind, knowing that unexpected medical expenses are covered. Our experienced advisors guide you in selecting the right plan, with options for cashless treatment, easy claims processing, and access to a wide network of hospitals and healthcare providers. Protect your health and financial well-being with our reliable health insurance solutions.

Being a prominent firm in this domain, we are engaged in offering Employee Benefits Insurance Service.Offered service is performed under the strict supervision of our experts using optimum grade tools and latest technology. Our professionals perform this service as per the requirements of our clients. Moreover, this service can be availed by our clients at most reasonable price.  

Healthcare expenses are increasing at a rate higher than medical inflation, and that is why it is must for everyone to have a health insurance cover which not only helps you to save your emergency funds and saving of lifetime, in case any medical emergency occurs to you or your near and dear ones, but also supports you to deal with rising medical costs.    Experts believe that a health insurance policy must be a part of your financial planning and it should be purchased early when you are young and responsible to stay safe and secured. Investing in a health insurance plan at an early age also provides other numerous advantages such as better sum insurance coverage, lower premium rates, no medical tests and so on.     Here’s a guide which explains clearly all about health insurance policy , factors affecting health insurance, what are the different kinds of health plan which one can opt for and much more.    Featured Partners   1 Manipal Cigna Health Insurance   Sum Insured   INR 3 Lakhs to INR 1 Crore   Features   Cashless cover up to INR 50,000/year for pharmacy, consultations, diagnostics, etc.   Benefits   Get air ambulance cover up to INR 10 lakhs and choice of any room category.   Buy Now On Manipal Cigna's Secure Website   2 Aditya Birla Activ Health Insurance   Sum Insured   INR 2 lakh to INR 2 crore   Network Hospitals   9,000+   Early Bird Discount   5% discount from 4th to 7th policy year   Buy Now On Aditya Birla's secure website   3 Care Health Insurance   Cashless Providers   24800+ healthcare providers   Benefits   Tax benefits under section 80D   Features   24*7 claim and customer support   Buy Now On Care Health Insurance's Secure Website.   What Is Health Insurance: Health Insurance Meaning Health insurance policy is an assurance which provides immediate financial help in case when any medical emergency arises. It is a contract between a policyholder and the insurance company which covers medical expenses that might occur due to illness, injury or accident. If you have a health insurance policy, then some or all the medical expenses will be borne by the insurance company, against which an insured is supposed to pay a certain amount known as premium.     There are two ways by which which the insurance company compensate for your medical expenses:   Cashless Treatment: Here, the policyholder is not supposed to pay anything to the network hospital. As the insurance company pays the hospital directly.   Reimbursement: Here, the policyholder is supposed to settle their medical expenses first and later ask for reimbursement from the insurance company.   Why Should I Have A Health Insurance Policy? Purchasing a health insurance plan is something that we all avoid till the time we understand its importance. Before buying one, it is crucial to understand the various benefits of a health insurance plan as medical emergencies can knock anytime and could make a big hole in your pocket. Therefore, it is advisable to buy a health insurance policy at a very young age, where one can have the comprehensive coverage at an affordable premium cost, plus you also get the advantage of tax deductions on premium paid.   In a nutshell, one should purchase a health insurance policy because:   It facilitates you to get superior medical treatment without any worry of high medical costs. Offers specialized coverage for critical illnesses. Covers road emergency ambulance costs.   Offers an affordable premium for youngsters. Provides cashless claim benefit, which allows you to take care of your health instead of worrying about hefty medical bills. Protect your savings during medical emergencies. Provides tax benefits under Section 80D. Lastly, it safeguards you and your family and protects your savings. Read More: Best Health Insurance Policy in India   Types Of Health Insurance Policies There are basically two kinds of health insurance policies such as individual or self-plan and family floater policy. As the name suggests, individual policy would only provide coverage and benefits to the main policyholder. On the other hand, in case of a family floater plan, there is only one plan which provides coverage to your entire family such as spouse, dependent children, parent and parent-in-laws or dependent siblings.   One should select the plan, depending upon the factors such as your age, family medical history, children’s age, medical history and of course one’s budget.  Let’s understand about each of these plans in detail:     Individual or Self Health Insurance Plan   An individual health insurance policy is issued under the name of a single policyholder, which means that the sum insured coverage and the benefits of the policy is totally dedicated to the insured and covers no one else. Here, the individual purchases the policy to maintain their own health which in turn provides financial help in case of their own medical emergency.   Family Floater Health Insurance Plan   Family floater health insurance is one policy which aims to provide sum insured coverage to individual and as well his family members. Rather than taking a single policy for each member of the family, the family health insurance plan is a better option, as it acts as an umbrella for the entire family. Here the sum assured coverage is shared by all the members who have been covered under the same plan.   However, it is advisable to have a separate plan for your senior citizen parent or parent-in-laws as it will prove to be a more affordable option. Similarly, if any member in the family has a huge medical history, then it is also better to buy a separate plan for them rather than covering them in the family floater plan.   Factors To Consider Before Deciding On A Health Insurance Plan Step 1: Finding the Right Insurance Company Here are some factors that you can use in deciding on the right health insurance company –   1. The Range of Plans Offered   Check out the different types of plans that a company offers as well as the plan USPs. Some companies offer a range of products to suit the varied coverage requirements that you have. Choose a company with a diverse range of plans so that you can find the right policy suiting your needs.    2. The Network of Hospitals   The network of hospitals is extremely important for availing cashless claims. The wider the network that an insurer has, the better it would be. This would allow you to locate the nearest cashless hospital with ease.   3. Claim Settlement Ratio   The claim settlement ratio points to one thing – what percentage of claims did the company settle in a financial year. A higher ratio indicates that the company is steadfast in settling its claims. A factor that works in favor of the insurer.   4. Claim-Based Loading   Some companies tend to increase the renewal premium if you made claims in the previous years. This converts to higher premium expenses. As such, avoid companies that follow this practice.   5. Premium Rate   Pricing policy is how much premium the company charges vis-à-vis its competitors. You can check the pricing policy by comparing similar plans across different companies.   For instance, the Aarogya Sanjeevani policy offers uniform coverage features across all insurers. Its premiums, however, depend on the insurer’s pricing policy. Compare the premium of the plan across insurers to find the insurer that charges the least. Chances are, its pricing policy would be fair across all its plans.   6. Ease of Claim Settlement   Insurers have revolutionized their claim process and made it simpler. The following concepts are gaining traction:    AI-enabled claim processing WhatsApp intimation Digital documentation Quicker approvals App-based claim intimation and tracking, etc. Such facilities speed up the claim process and make it hassle-free. Thus, look for insurers that provide such facilities for quicker claim settlements.   7. Reviews   Lastly, don’t ignore customer testimonials and reviews. Most insurers showcase their customers’ reviews on their websites. You can check them out. Alternatively, you can talk to your friends and relatives about their insurers. If they have made a claim, find out their claim experience to know which company follows the best practices.    Featured Partners   1 Manipal Cigna Health Insurance   Sum Insured   INR 3 Lakhs to INR 1 Crore   Features   Cashless cover up to INR 50,000/year for pharmacy, consultations, diagnostics, etc.   Benefits   Get air ambulance cover up to INR 10 lakhs and choice of any room category.   Buy Now On Manipal Cigna's Secure Website   2 Aditya Birla Activ Health Insurance   Sum Insured   INR 2 lakh to INR 2 crore   Network Hospitals   9,000+   Early Bird Discount   5% discount from 4th to 7th policy year   Buy Now On Aditya Birla's secure website   3 Care Health Insurance   Cashless Providers   24800+ healthcare providers   Benefits   Tax benefits under section 80D   Features   24*7 claim and customer support   Buy Now On Care Health Insurance's Secure Website.   Step 2: Finding the right plan Once you have zeroed in on the right insurance company, the next, and also the most important, step would be to select the plan. With multiple insurers offering multiple plans, you have a lot of choices. However, choosing the right policy is important.   As such, here are some factors that would help you with the same –   1. Coverage benefits   The first thing that you need to check is the coverage benefits that are offered by different plans. While most plans offer the basic coverage benefits, look for plans that have unique features.   First, assess your coverage needs and then look for plans that offer those. For instance, if you are planning to have a child in the near future, look for plans that offer maternity coverage. Alternatively, if your family is complete, skip such plans.   Second, look for other additional features that might enhance the scope of coverage. For instance, sum insured restoration, high no claim bonus, value-added benefits, annual health check-ups, etc. are some of the features to look for.   Choose a plan which has the most comprehensive scope of coverage. This would minimize your out-of-pocket expenses during claims and give you better financial security.    2. Customization option   Look for plans that allow you to customize the coverage features as per your requirements. This is possible through add-ons that health insurance plans offer. The add-ons help you to opt for additional coverage features as per your needs and make customization possible.    3. Premium Amount   Of course, the premium amount is important. Check the premium charged vis-à-vis the coverage offered. To get a better idea, compare. Compare the premium across other plans of different insurers that have similar coverage benefits. See if the premium is competitive or inflated given the coverage.   Choose a plan with the most competitive premium rate for the same coverage benefits, even if it means selecting another insurance company.   4. Sub-Limits   Health plans might have sub-limits on different expenses like room rent, ICU room rent, AYUSH coverage, domiciliary treatments, etc. These sub-limits limit the scope of coverage and might result in out-of-pocket expenses. As such, choose a policy that has no sub-limits so that you can enjoy the maximum possible coverage.   5. Co-Payment Clause   Health insurance plans might have co-payment clauses for different reasons. Co-payments mean that in every instance of a claim, you are supposed to pay the specified part of the claim from your pockets. For instance, a co-payment of 10% means that 10% of every claim would be borne by you. Common co-payment clauses are applicable in the following instances:   If the insured is aged 61 years and above at the time of buying the policy If you buy the policy in a city belonging to a lower Tier and avail of treatments in a city in a higher tier In the case of specified illnesses and/or treatments Look for health insurance plans that do not have the co-payment clause. Even if the clause is unavoidable, like in the case of senior citizen plans, opt for plans with a lower co-payment rate.   6. Waiting Period   The waiting period is when specific coverage is not allowed by the health insurance policy. Once the waiting period is over, coverage is allowed.   Health insurance plans impose waiting periods in various instances. These include the following:   First 30 or 60-day waiting period for the coverage of illnesses. This is also called the cooling-off period during which illnesses are not covered. Accidental injuries, however, are covered from day 1. Waiting period for specific illnesses or treatments like hernia, fissures, hydrocele, tonsillectomy, cataract, joint replacement, etc. This waiting period is generally 24 months. In some plans, however, the tenure might vary. Pre-existing waiting period ranges from 12 months to 48 months. This waiting period is for illnesses or medical conditions that you might have when buying a fresh policy. Complications arising out of existing conditions are not covered during this period. The maternity waiting period might range from 9 months to 48 months. Waiting period for the coverage of OPD expenses, bariatric treatments, etc. Waiting periods are inevitable. However, you can find a plan where the period is low. This is especially relevant if you are looking for maternity coverage or if you have pre-existing conditions and you want coverage for them at the earliest.   7. Discounts Available   Health insurance plans allow various types of discounts to lure customers. Some of the commonly available discounts include the following:   Discount for buying a two or three-year policy Discount for covering two or more members under the policy on an individual basis Discount for buying the policy online Discount for paying the premium in a lump sum rather than in installments Discount for the existing customers of the company Discount for maintaining a healthy lifestyle Renewal discount if you have not made a claim in the last policy year Discount for choosing a voluntary deductible Discount for availing of treatments at a network hospital Look for the available discounts. Choose a plan that offers the highest discount so that you can get the best deal on the premium.    Now that you have found the best company and the most suitable plan, you might think that your work is done. It is not. You should keep in mind another aspect – choosing the right sum insured.   Step 3: How To Find the Right Coverage Amount? An optimal sum insured is important to ensure that your health plan sufficiently covers your medical expenses. A low sum insured defeats the whole purpose of investing in health insurance and is a strict no-no.   Selecting the right sum insured is easier than you think. You just have to consider the following factors:   The number of members being insured under the policy Whether you or any other member suffers from any pre-existing condition The basic cost of hospitalization and medical treatments The rising medical inflation Most insurers help you calculate the ideal sum insured based on your income, expenses, existing coverage and members to be insured. You can also estimate the optimal requirement through a simple formula which is as follows:   Sum insured = 50% of your annual income + total hospitalization costs incurred during the last 3 years   For instance, say your annual income is INR 15 lakh and in the last three years you have incurred a hospital bill of INR 5 lakh. In this case, the optimal sum insured would be calculated as follows:   50% of INR 15 lakh + INR 5 lakh = INR 12.5 lakh   Step 4: How To Afford a Health Plan The premiums of health insurance plans are affordable. Moreover, insurers offer you the facility of installment premiums wherein you can pay the premium monthly, quarterly or half-yearly. This makes the health plans affordable.   Furthermore, if affording a high sum insured poses a challenge, you can opt for super top-up health plans. Super top-up plans help in enhancing the coverage while keeping the premium low.For instance, say you want coverage of INR 15 lakh but the premiums are unaffordable. In such cases, you can opt for a comprehensive health plan of INR 5 lakh or INR 10 lakh and add a super top-up plan of INR 10 lakh or INR 5 lakh respectively.   The super top-up plan would help you enjoy an aggregate coverage of INR 15 lakh. However, the aggregate premium would be lower compared to buying a health plan of INR 15 lakh.   How To Purchase A Health Insurance Policy Online? The simplest way to purchase a health insurance policy via online mode which can be done in minutes with a paperless process and no physical signatures. All you have to get is full detailed information on various health policies as per your needs and requirements. Review the best health insurance policies and compare them further and as per your needs and requirements to finally select the best one. Research them online to know more about the coverage, benefits and premium quotes at your convenient place and time. Once you have finalized the policy, read the policy document carefully and complete the documentation process.  Once the documents have been uploaded, it is the time to make the final payment which can be done by credit card, debit card or by net banking. Insurance companies generally take seven to ten days to complete the full process and then handover the policy document to you.  Things To Avoid While Buying A Health Insurance Policy Rushed Into Buying A Policy : Do not buy a health insurance plan in hurry. It is advisable to do proper research and then select the best health insurance for you or for your family. You can do your own research and compare the premium quotes online, before choosing a health insurance policy.   Choosing Insufficient Coverage: The premium cost is a major consideration while buying a health plan. Do not choose insufficient or restricted policy coverage in order to save premium cost. Rather go for a comprehensive coverage plan with considering the family size, medical history and your financial situation.   Hiding Health-Related Details: While purchasing a health insurance plan, disclose all the necessary details about your health, lifestyle habits or and pre-existing diseases. Hiding relevant medical history can cause major damage as insurance claims can be rejected on the basis of undisclosed medical information.   Not Buying A Separate Health Insurance Policy: Do not rely completely on medical coverage provided by your employers as it has only limited coverage. Also, when you leave the organization, the contract will be terminated on an immediate basis. It is crucial to buy a separate health insurance plan where the quantum of coverage is more and it will not be affected by the terms and conditions of your current employment.   Ignoring Terms And Conditions Of The Policy Document: Do not ignore or overlook the terms and conditions of the policy document. Whether it is related to coverage, premium costs, renewability conditions, discounts, sub-limits, free-look period, waiting period, co-payment clause or any sort of deductibles, everything is clearly mentioned in your policy document. If you still have any doubts, do not hesitate to reach the concerned insurance company for more clarity on your health insurance policy.   Buying A Policy For Just Saving Tax: Do not buy a health insurance policy just for the sake of saving tax on the premium paid. One should definitely know the tax benefits provided under health insurance premium paid, but the main aim of buying a health insurance plan is to get sufficient coverage which would financially help you and your family at the time of medical and health contingencies.    Featured Partners   1 Manipal Cigna Health Insurance   Sum Insured   INR 3 Lakhs to INR 1 Crore   Features   Cashless cover up to INR 50,000/year for pharmacy, consultations, diagnostics, etc.   Benefits   Get air ambulance cover up to INR 10 lakhs and choice of any room category.   Buy Now On Manipal Cigna's Secure Website   2 Aditya Birla Activ Health Insurance   Sum Insured   INR 2 lakh to INR 2 crore   Network Hospitals   9,000+   Early Bird Discount   5% discount from 4th to 7th policy year   Buy Now On Aditya Birla's secure website   3 Care Health Insurance   Cashless Providers   24800+ healthcare providers   Benefits   Tax benefits under section 80D   Features   24*7 claim and customer support   Buy Now On Care Health Insurance's Secure Website.   Frequently Asked Questions (FAQs) What is waiting period in health insurance? Waiting period is a very important factor in purchasing a health insurance policy. It refers to a duration which the insured has to wait for claiming the insurance benefits. It varies from one health policy to another.   How long is health insurance valid? What happens if you forget to pay your health insurance premiums? Can I take multiple health insurance policies? Can we add family member in existing health insurance? What is the best age to buy health insurance in India? Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.   Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.

Health insurance is essential for protecting yourself and your family against rising medical costs. Our health insurance service offers comprehensive coverage for hospitalization, surgeries, doctor consultations, diagnostic tests, and more. With customizable plans, cashless treatment options, and access to a wide network of hospitals, we ensure your healthcare needs are met seamlessly. Enjoy benefits like no-claim bonuses, hassle-free claim settlements, and 24/7 customer support. Whether for individual or family coverage, our plans provide financial security during medical emergencies. Prioritize your well-being with our reliable health insurance solutions, giving you peace of mind and access to quality healthcare whenever needed.

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A medical emergency can drain a person both financially and emotionally. A health insurance policy can ensure reimbursement of expenses or cashless treatment when you or your dear ones fall ill. It covers pre- and post-hospitalisation costs.An insured should be hospitalised for a minimum 24 hours to avail Mediclaim benefit. This time limit will not applicable for Day care procedures that requires less than 24 hours hospitalisation as per policy conditions.Why Health Insurance Tax benefit under section 80D of the IT act Cover offered by your employer may be insufficient Medical treatment costs can drain your finances Cashless hospitalisation Types of Policies Individual health insurance Family floater health insurance Senior citizen health insurance Top up health insurance Major ExclusionsAny medical expenses incurred for or arising out of the following is not covered: War, invasion, act of foreign enemy Pre-existing diseases Diseases or injuries incurred during first 30 days from the time the insurance is effective, except in case of accidental injury.  Please refer to the policy document for complete scope of cover and list of exclusions and other terms and conditions under the policy.

Health care insurance provides financial protection and peace of mind by covering medical expenses for individuals and families. It ensures access to quality health care services, including doctor visits, hospitalization, preventive care, and prescription medications. With customizable plans, health insurance caters to diverse needs, from basic coverage to comprehensive benefits. It safeguards against unexpected medical costs, reducing the financial burden of illnesses or accidents. By promoting regular check-ups and preventive care, health insurance supports overall well-being. Investing in health care insurance is a proactive step toward securing your health and future, offering reliable support during life’s uncertainties.

Prioritize your well-being with our comprehensive Health Insurance Services. We offer tailored plans designed to meet your unique healthcare needs. From routine check-ups to unexpected medical emergencies, our coverage ensures you and your loved ones receive the care you deserve without financial strain. With a wide network of healthcare providers and responsive customer support, we're committed to your health and peace of mind. Invest in your future well-being with our reliable health insurance services. Get covered today and take control of your health journey.

Star Health Insurance offers top-notch insurance services to safeguard your health and well-being. We provide a comprehensive range of health insurance products, designed to cater to individual and family needs. Our dedicated team of experts is committed to delivering exceptional customer service, guiding you through the insurance process with ease. With a wide network of healthcare providers, we ensure access to quality medical care when you need it the most. Choose Star Health Insurance for peace of mind and protection for you and your loved ones.

Our Health Insurance Service is designed to provide you with comprehensive coverage for your medical needs. We understand that healthcare costs can be overwhelming, which is why we offer a range of customizable plans to fit your lifestyle and budget. Whether you need coverage for routine check-ups, hospital stays, or specialized treatments, our health insurance plans ensure you receive quality care without the financial burden. Our experienced team is here to guide you through the selection process, helping you choose the right policy that meets your specific health needs. Protect your health and well-being with our reliable health insurance services today.     Document requirements 1) Pan card 2) Aadhar card 3) Photo 4) Address proof 5) 3 month salary slip (for salaried) 3 year ITR and GST (for business) 6) 6 month bank statement 7) Last 2 year form 16/26 AS (for salaried)

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