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Health insurance policy is like an annual contract in which the insurance company pays for the medical expenses that occur during the policy tenure. The medical expenses include hospitalization due to sickness, accident, surgeries etc. These expenses can be availed by paying a fixed amount called premium. A medical insurance policy provides these expenses in the form of either reimbursement or cashless treatment.

Top Health Insurers & It's Plans

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Reliance General Insurer
Amount Covered: ₹ 1 Lakh
Deal Price: ₹ 2,094 / Year
Waiting period: 4 yrs

What is Health Insurance?

Health insurance is an agreement wherein the insurance company provides medical coverage to the insured person for a fixed premium amount. Medical insurance has become the need of the hour, especially since COVID-19 pandemic started. People have become more aware of the various benefits that come with medical insurance policy.

A health insurance policy protects you from heavy hospitalization expenses during medical emergencies. This includes hospitalization expenses, day-care expenses, ICU charges, and other medical expenses. The benefits offered depend on the medical insurance plan and the insurance company you have chosen. You can also avail of tax benefits under Income Tax Act, 1961 if you possess a medical insurance policy.

Highlights of Health Insurance

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Renewal Bonus Upto 60.0%
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Cashless Claims
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Top Hospitals Coverage
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Senior Citizen Cover
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Child Cover
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Free Health Check-ups
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Tax Benefits
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Surgery Cover
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AYUSH Treatment

Importance of Health Insurance Policy in India

When you have medical insurance, you don’t need to have a huge bank balance during medical emergencies. A health insurance plan does the following;

  • Provides A Cover Of Up To 1 CR: You get a cover amount of up to 1 CR every year. You can use this amount for any hospitalization treatment throughout the year.
  • Pays 90% Of Your Hospital Bill: Just get admitted & give your cashless card to the hospital. The hospital takes money from your insurance company while your treatment goes on.
  • Pays For Any Accident Bills: Pays for your accident hospitalization bills from day one of your policy. Both indoor & outdoor accident hospitalization bills are covered.
  • Pays For Any Seasonal Illness Hospital Bills: Pays for any seasonal illnesses like Covid19 , viral fever, Dengue, Malaria, typhoid, pneumonia, diarrhoea & many more immediately after 30 days of buying the policy.
  • Pays For Any Pre-Existing Illness Hospital Bills: Any pre-existing illness before buying the policy is covered after 3-4 yrs. after buying the policy. These include heart, lung, liver, kidney, diabetes, blood pressure & many more.
  • Critical Illnesses Are Covered: If you don’t have any pre-existing illness before buying the policy & if you suddenly get any critical ailment, it’s covered after 30 days. These include heart, lung, liver, kidney, diabetes, blood pressure & many more.
  • Pays For Any General Surgery: Pays for any general surgery after a waiting period of 2-3 years. These include piles, fissures, gallbladder, kidney stone & any surgeries listed in your health plan.

Types of Health Insurance Plans

There is a wide range of health insurance policies & plans in India. Here's a list of some popular health plans:

  • Individual Health Plan : An individual health insurance policy or plan provides coverage for a single individual only. This plan covers for your medical expenses related to hospitalization, injury, room rent, and more. This policy offers sum insured which can be used by only one person i.e. the individual covered under the plan.

  • Family Health Plan : Under a family health insurance , you can cover your entire family under a single policy. The sum insured for these policies are usually higher than regular individual health insurance plans. The sum insured is available for all the family members insured under the plan. The best part about this plan is that you can get cover for your entire family for a small premium amount.

  • Group Medical Insurance Plans : Group health insurance plans are highly popular in the corporate sector. Medium and large-sized enterprises use this insurance policy to offer cover for their employees in time of a medical crisis. It is a benefit that most employees expect when joining a company and this helps the employer retain their employees.

  • Critical Illness Insurance Plan : Critical illness health insurance policy offers cover specially for critical illnesses such as stroke, kidney failure, organ transplant, cancer, and more. Treating critical illnesses can get expensive and a policy like this can save a lot of money if you ever were diagnosed with a critical illness. The insurance pays a predetermined amount towards the treatment when the insured is diagnosed with a critical illness.

Best Health Insurance Plans by Top Companies

Best Medical Insurance Policies Sum Assured Waiting Period Room Type & Rent
Niva Bupa ReAssure
4 Lakh
3 Years
No limit on room rent
Aditya Birla health Activ Health Platinum - Enhanced
4 Lakh
3 Years
Single Pvt A/C Room
Star Health Insurance Young Star (SILVER)
5 Lakh
1 Year
Single Pvt A/C Room
Edelweiss Silver
4 Lakh
4 Years
Standard Single Private Room
Niva Bupa Health Companion
5 Lakh
3 Years
No limit on room rent
Care Freedom
5 Lakh
2 Years
Twin Sharing Room
SBI General Insurance Arogya Sanjeevani
4.5 Lakh
4 Years
Rs. 5000/- Room rent limit
Care - No Claim Bonus Super
5 Lakh
4 Years
Rs. 4000/- Room rent limit
Star Health Insurance Young Star (GOLD)
5 Lakh
1 Year
Single Pvt A/C Room
Raheja Arogya Sanjeevani
4.5 Lakh
4 Years
Rs. 5000/- Room rent limit

Disclaimer: Sum Assured & Waiting Period of policies is depend upon the age, policy type, location & Add-ons.

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Health Insurance Plans starting @ Rs 250 / month

Benefits of Buying Health Insurance Policy

Cashless Treatment
If you have cashless health policy & you get hospitalized, you don’t have to pay 90% of the hospital bill. You also don’t need to have a huge amount of hard cash on you. You just need to submit your cashless card & the hospital will coordinate with the insurance company & get the money as needed.
Covers Hospitalization Treatment
Your health insurance policy covers 90% of your medical expenses resulting from your hospitalization for more than a period of 24 hrs. These expenses include diagnostic test fees, doctor's fee, medicine cost, room rent & at times even certain surgery costs.
Seasonal Illness Treatment
Any seasonal illnesses like dengue, malaria, typhoid, pneumonia, covid19 & others are covered in medical insurance. There’s a waiting period of just 30 days. After 30 days you can avail treatment for any seasonal illness.
Pre-existing Illness Treatment
You or your parents may have some pre-existing disease before buying the policy. Pre-existing diseases are blood pressure, diabetes, heart problems, lung issues, liver diseases, kidney ailments & anything that’s a chronic condition. Depending on your policy, you get cover for these pre-existing diseases after a waiting period of 3-4 years. It’s always better to buy the policy immediately, get done with the waiting period & not wait for an emergency.
Emergency Support
If you have a cashless policy, you need not worry about having a large amount of cash during an emergency. Most medical insurance policies also provide ambulance cover and emergency hospitalization expenses.
Accident Cover
Whether you meet with an accident indoors or outdoors, you get covered from day one. The only condition is that the accident should require hospitalization. Some policies may also cover surgeries involving an accident hospitalization treatment.
Tax Benefits
A medical insurance policy offers the policy holder with a lot of tax benefits that fall under the section 80 D of IT Act (income tax act) of 1961. The deduction on taxes offered to the policy holder depends on factors like the premium amount, insured person's age and many other aspects. Based on these given factors, a policy holder can claim for tax deductions & this can be from anywhere between Rs.25,000 to Rs.50,000.
Financial Security
Without insurance policy, it takes just one serious medical emergency to deplete your life savings. A health plan not only offers you peace of mind but also offers financial security. With the right medical insurance policy, you can avail quality medical treatment without having to break into your savings.

Best Health Insurance Companies in India September 2022

HDFC ERGO
HDFC ERGO Health Policy
Reliance
Reliance Health Policy
Oriental
Oriental Health Policy
Royal Sundaram
Royal Sundaram Health Policy
National
National Health Policy
SBI
SBI Health Policy
Liberty General
Liberty Health Policy
Universal Sompo
Universal Health Policy
ICICI Lombard
ICICI Lombard Health Policy
United India
United India Health Policy
Bajaj Allianz
Bajaj Allianz Health Policy
IFFCO TOKIO
IFFCO TOKIO Health Policy
LIC
LIC Health Policy
Care
Care Health Policy
Raheja
Raheja QBE Health Policy
Niva Bupa
Niva Bupa Health Policy
New India Insurance
New India Health Policy
TATA AIG Insurance
TATA AIG Health Policy
Aditya Birla
Aditya Birla Health Policy
Star Health
Star Health Policy
ManipalCigna
ManipalCigna Health Policy
Digithealth
Digit Health Policy
ACKOHealth
ACKO Health Policy
Edelweiss
Edelweiss Health Policy
Kotak Health
Kotak Mahindra Health Policy
Magma HDI Health Insurance
Magma HDI Health Policy
Navi Health Insurance
Navi Health Policy

Types of Coronavirus(Covid-19) Health Insurance Plans

Apart from this IRDAI has directed insurance companies to launch two special standard health plans, namely Corona Kavach Policy and Corona Rakshak , were launched.

Corona Kavach Policy (Coronavirus Insurance)

This plan provides you with a cover against hospitalization due to Covid-19. However, one needs to get hospitalized for a minimum of 24 hours. This plan covers for your covid-19 hospitalization cost, bills related to AYUSH treatment that go up to Rs. 5 Lakh & expenses related to home treatment. The cost of items that are consumable are also covered. These consumable items include PPE kits, oxygen cylinders, ventilators, masks, gloves etc.

The benefits provided to the policy holder under the terms and conditions of the Corona Kavach Policy remain the same regardless of the insurance provider.

Eligibility Specifications
Age of Entry 18 to 65 yrs.
Types of Coverage Family floater or Individual
Sum Insured Amount Rs. 50,000/- to Rs. 5,00,000/-
Discount Percentage on Premium 5% for doctors & health workers

Corona Rakshak Policy (Coronavirus Insurance)

If you are covid positive & it is diagnosed in the policy term period, you receive a lump sum amount on your hospitalization. However, the hospitalization needs to be for a minimum of 72 hours. The duration of Corona Rakshak Policy on the minimum is 3.5 months & 9.5 months on the maximum.

Eligibility Specification
Age of Entry 18 to 65 yrs.
Types of Coverage Individual
Sum Insured Amount Rs. 50,000/- to Rs. 2,50,000/-
Discount Percentage on Premium 5% for doctors & health workers
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Buy Corona Specific Plans Starting at Rs. 250*/-
Includes cost of consumables such as oxygen cylinder.

What Do Health Insurance Plan Cover?

While every medical insurance policy is unique, most of them have the same cover. Listed below are some of the most common inclusions under medical insurance plans:

Hospitalisation expenses
Pre-hospitalisation expenses
Post-hospitalisation expenses
Outpatient procedures
Health checkups
Ambulance charges
Donor transplant expenses
Preventive services
Critical illness
Chronic illness treatment
Prescription medication
View More +

What's NOT covered in Health Insurance Plan?

While medical insurance offers cover for most health ailments and diseases, there are still some exclusions under the policy. Listed below are some of the common exclusions under health plans:

Cosmetic procedures
Dental procedures
Pre-existing conditions
Congenital diseases
Non-prescription drugs
Injuries incurred from war, terrorism, & suicide
View More +

Who is Eligible to Buy Health Insurance Policy?

The eligibility criteria for a medical insurance policy depends on certain pre-existing illnesses or pre-existing ailments, policy holder's age & current medical conditions. The health insurance companies also conduct a medical test to check if the applicant already has some health diseases or not. Commonly these eligibility criterion needs to be met:

Age Criteria to Buy Health Insurance Plans?
The entry age for Adults: 18 to 65 years (70 and above, depending on the plan and the insurer).
The entry age for Children is 90 days to 18 years, and in some plans, it goes up to 25 years.

Pre-medical Screening Before You Buy Health Insurance Plans?
In most cases, the applicant’s age has to be above 45 years, but it might vary depending on the insurer and the kind of health insurance plan. Most senior citizen health plans need pre-medical tests to determine if the applicant meets the eligibility criteria for insurance cover. The criterion for an individual and family plans might vary according to the policy terms and conditions.

Pre-existing Diseases To Mention Before You Buy Medical Insurance Plans?
While buying a medical insurance policy, you must inform the insurer about the health diseases you have or any pre-existing illness that you or your family members have. It would be best if you did not keep it a secret as it can create problems at health insurance claim settlement time. It can even lead to the rejection of your claims.

Most health insurers question the applicant if they have any medical conditions such as blood pressure, diabetes, kidney problems, cardiovascular diseases, and other diseases. You also have to inform them about your smoking or alcoholic habits (if you have the habit); based on these factors, the insurance company will decide if you are eligible to get medical cover or not.

If one insurer rejects your application, you can also check with another or buy a specific health plan as per your medical conditions. Check the policy for terms and conditions to have a better understanding of the eligibility criteria.

Why You Need to Compare Health Insurance Plan Online?

Different health insurance companies offer various impressive features, and it can become challenging to choose the right policy. Therefore, comparing various health insurance plans online is a great idea. We offer you a systematic way to compare top health insurance policies so that you can select the most suitable & convenient plan.
Here are some of the significant advantages of comparing and buying a health plan online:

Access to the Right Information
Right Information
Coverfox gives detailed information on top health insurance policies saving your time & effort.
Time-Saving and Convenient
Time-Saving
You don't have to meet agents & compare plans. You can do it in a few clicks online.
Easy on Pocket
Easy on Pocket
No brokerage or commission with Coverfox. Just compare, choose your premium & buy.
Available for Provider/Plan Reviews
Check Plan Reviews
Check reviews on insurers & choose the right insurance company & policy.
Incurred Claim Ratio or ICR
ICR
You can know the ICR of a health insurance company. Choose a company with high ICR.
Customer Experience
Customer Experience
You should always consider the mass opinion. Look for customer reviews online.
Know about the Claim Process
Claim Process
Knowing the claim process saves much hassle at the eleventh hour.
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Get upto 60% Discount

Best Health Insurance Plans in September 2022

Personal Accident Insurance
Personal Accident Insurance
Maternity Health Insurance
Maternity Health Insurance
Health Insurance for Senior Citizens
Health Insurance for Senior Citizens
Women Health Insurance
Women Health Insurance
Cancer Insurance
Cancer Insurance
Cashless Health Insurance
Cashless Health Insurance

How to Buy Health Insurance Plans Online from Coverfox

Buying Health Policy online through the Coverfox website is quite an easy task. Coverfox gives you detailed insights, on-call customer service & an efficient tech-enabled interface. These factors make your online medical insurance buying process quite smooth & easy. We get you expert advice along with an informed, unbiased opinion that will clear all your doubts and help you buy the perfect plan.

Follow the steps given below in order to buy a health insurance policy online with the Coverfox website.

  • Step 1: Enter full name & select gender.
  • Step 2: Put in your correct mobile phone number, then click on the option 'view plans' & then select your age.
  • Step 3: Click 'continue' & then enter your resident city name and its pin code.
  • Step 4: Select Yes or No if you take any medications.
  • Step 5: Choose the best health plan from the options that are displayed.
  • Step 6: Now select and compare the different health insurance plans on Coverfox. You can also choose the personalized plans options.
  • Step 7: Once you select the plan, you can pay the premium or speak to our customer care representative to take you through different options.
  • Step 8: Do make an informed decision and pay the premium. Once all the steps are done, the policy will be emailed on your registered email-id.

Once you select the plan which meets your needs with the least amount of premium, you can go ahead and pay the medical insurance premium or talk to our customer service to avail of the insurance policy. While it is understandable to choose the policy with the least insurance premium, it is essential to know that various factors can affect your health insurance premium.

Some factors influencing the premium of a health insurance policy include lifestyle, family health history, personal medical history, proposer’s age, sum insured etc. These factors are considered before the premium amount is determined. It is important to take note of these to make an informed decision.

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How to Calculate Health Insurance Premium Before Buying Your Policy?

It is essential to pay a fixed premium regularly in order to keep the policy in force. Have you ever wondered how this premium is calculated? Certain factors affect health insurance premiums like your family’s medical background, your personal medical history, and so on.

Depending on that, you might want to calculate your premium to know how much you would have to pay for the policy. It can be done via a Health Insurance Premium Calculator . A premium calculator is an online tool that calculates the premium to be paid as per your information. At Coverfox.com, you can calculate your medical insurance premium easily.

Factors Affecting Health Insurance Premium

As the medical facilities are advancing, so are the health care costs. The primary benefit of health policy is that it takes care of healthcare costs. It give you a financial security if any unanticipated serious illness or accidental injuries drains all your savings. Learn how the cost of your insurance premium is determined:

  • Medical History: Medical history is a major determinant of the health insurance premium. Pre-medical tests are mandatory by almost all insurance providers in India (after a certain age) before buying a medical insurance policy. While a few insurance companies don’t make medical screening mandatory, they consider your current medical conditions, lifestyle-related health risks, and the medical history of your family. That is the reason why medical insurance premiums for smokers are higher than other people.
  • Gender and Age: Age is an important aspect of determining the medical insurance premium. The premium differs based on the age of the insured person. That is why it is suggested to buy a policy at a young age because the premium cost is low for young applicants. Older adults are vulnerable to cardiovascular diseases and other critical illnesses like kidney problems, cancer, etc.; thus, senior citizen medical insurance premiums are generally higher. Additionally, the cost of the premium for women’s health insurance is lower than the male candidates due to the lower risk of stroke, heart attack, etc.
  • Policy Term: The premium for a health insurance plan for 2-year will be more than a 1-year plan. However, nearly all insurance companies offer a discount on long-term medical insurance plans.
  • Type of Health Insurance Plans: The kind of health insurance policies you choose also change the cost of the premium. The higher the risks, the higher will be the premium and vice-versa. An online calculator for health insurance premium will allow you to compare different health insurance policy premiums.
  • No-Claim-Discounts: If you make zero claims in the policy term period, you can earn a No Claim Bonus (NCB) that can range anywhere from 5% to 50%. This is also considered to be one of the most important factors that are considered while calculating the cost of the premium.
  • Lifestyle: If you regularly drink or smoke, the chances are high that you will be charged a more premium amount. In that case, the insurer can even reject your medical insurance policy request.

Arogya Sanjeevani Policy: A Health Insurance Plan for All

Arogya Sanjeevani is a medical insurance policy offered by every Indian health insurance company. Arogya Sanjeevani policy covers your primary medical insurance needs. It is a good option for those who do not have medical insurance cover, particularly in smaller towns.

As mandated by the IRDAI, the Arogya Sanjeevani Policy offers health cover ranging from ₹ 1 lakh to ₹ 5 lakhs. A primary waiting period of 30 days is applicable from the date of policy issuance. The waiting period for specific illnesses ranges from 24 months to 48 months, depending on the disease.

How Coverfox Helps in Health Insurance Claim Procedure

Health insurance policies have various additional benefits which include expense reimbursement & cashless treatment by the insurance company. You can check out the entire claim settlement process in detail and know about the documents required for making a claim on our dedicated page, " Health Insurance Claims "
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Documents Required for Health Insurance Claim Reimbursement

If the policyholder is hospitalization he/she needs to submit certain documents as mentioned below for making a reimbursement claim:

  • Discharge card provided by the hospital
  • In-patient hospitalization bills signed by the hospital for authenticity
  • The doctors’ prescriptions, along with medical store bills
  • Claim-form signed by the insured
  • A valid investigation report
  • Doctor's prescribed consumables and disposables with complete details
  • Doctor's consultation bills
  • Copy of the previous year insurance policy and the current year/copy of ID Card of TPA
  • Any other document(s) needed by the TPA

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How to Port a Health Insurance Policy?

A policy holder does not have to carry on with their current health insurance policy provider, if he or she doesn't want to. IRDAI gives you a provision to change the insurance provider. This switch happens without the policy holder having to compromise on the existing policy benefits or accumulated benefits.

Now IRDAI allows you to switch from one insurer to another while the new insurer will have to consider the credits you have gained from your previous insurer, where the credits refer to the completed waiting period in pre-existing conditions. The same thing applies if you switch from one plan to another within the same insurance company.

What can you do

  • Switch from health insurance companies.
  • Family floater/individual policy can be switched.
  • Get insurance cover by your new insurer up to the sum assured as the old policy has.
  • Both insurers should mutually complete the formalities as per the IRDAI timeline.

Criteria

  • A policy can be ported at the time of renewal only.
  • There must not be any break between policy renewals.
  • You need to submit a formal porting request to your current insurer at least 45 days before the renewal’s due date.
  • With a new policy, the terms and conditions and the premium are at the new insurer’s discretion.
  • You must mention the name of the new insurer you are willing to switch to.

Compare, Buy and Renew Health Insurance Plans Online

Benefits of Health Insurance Renewal

A medical insurance policy needs to be renewed annually upon its expiry. On-time health insurance renewal can reap you with the following benefits:

  • Tax Benefits: On purchasing or renewing a health insurance policy, the insured person becomes eligible to gain tax benefits under section 80D of the Income Tax Act 1961. In order to get annual tax benefits, one should renew health insurance policy on time.
  • Stay protected: Renewing your health insurance policy on time helps ensure that you stay protected and get uninterrupted coverage. A medical emergency can arise at any time which is why you must have a valid medical insurance policy. A lapsed policy means that your medical expenses are not covered and you might also lose your No Claim Bonus.
  • Premium Amount: With age, your health insurance premium also increases. Moreover, if your policy lapses you need to buy new insurance policy which comes with higher premium. In order to avoid paying higher premium amount, you need to make sure you do health insurance policy renewal on time.

Why You Must Renew Health Insurance Policy Online?

In case of a critical medical condition that needs treatment, you need an active health insurance plan. Not having an active health insurance plan will force you to bear all the medical expenses & burn your savings. When you renew your health insurance plan it keeps your loved ones protected. Renewing your health insurance policy keeps it active & you can always use it in times of emergency.

How to Renew Health Insurance Policy Online?

A medical insurance policy is an annual contract which means it is valid for one year after which you need to renew it upon its expiry. If you do not renew health insurance policy on time, you may lose all the benefits that you have accumulated during the past tenure. Here are some basic steps to follow for health insurance renewal process:

Step 1: Visit your insurance company's official website.
Step 2: Within the website, visit the section that deals with health insurance.
Step 3: Put in your previous health insurance plan no. & your registered mobile no.
Step 4: Checkout the health insurance plans details & the plan renewal premium.

Documents Required to Buy or Renew Health Insurance

Here is the list of documents required while buying or renewing a health insurance policy.

  • Valid identity proof (Aadhar Card, Driving License, Passport, Pan Card)
  • Age proof
  • Address proof (electricity bill)
  • Previous policy documents (if applicable)
  • Passport size photographs
  • Medical history details

Frequently Asked Questions

  • Q. How to get the best coverage with health insurance?
    • The best way to get the highest coverage with medical insurance without splurging is through additional riders. You can add riders as per your needs and enhance your policy coverage.

  • Q. At what age can I get a medical insurance policy?
    • The minimum age to purchase a health insurance plan is 18 years.

  • Q. What happens if I don’t pay my medical insurance premium?
    • Your policy will lapse or get terminated if you fail to pay your premiums.

  • Q. How many medical insurance policies can I have?
    • There is no limit on how many medical insurance plans you can purchase.

  • Q. What is cashless treatment?
    • Cashless treatment under health plans ensures that you do not have to pay anything when you get admitted to one of the network hospitals of your health insurance provider.

  • Q. Is health insurance in India expensive?
    • No, medical insurance is quite affordable. For instance, under a basic health plan with a sum insured of Rs. 5 lakh, you might have to pay a premium of Rs. 5,000 - Rs. 10,000 per year. The premium depends on your age, type of policy, and other factors.

  • Q. Can you get cover for family members under one insurance policy?
    • Yes, you can add family members like your spouse, children, parents or parents-in-law under a family floater which offers cover for the entire family.

  • Q. When can I use my health insurance policy?
    • Every policy comes with a waiting period after which your cover gets activated. The waiting period for most health policies is 30 days but we suggest checking with your insurance provider on the same.

  • Q. Will I still be covered if I get admitted to a non-network hospital?
    • Yes, your health insurance policy will still cover you if you are admitted to a non-network hospital. The only difference is that you will have to pay the bills and then file for reimbursement as opposed to getting cashless treatment.

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Written By: Coverfox - Updated: September, 2022.
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