Health insurance in India covers a variety of risks that protect you and your family from unexpected medical expenses.
Covers the cost of hospitalization, including in-patient, pre-hospitalization, and post-hospitalization expenses.
Covers treatments that do not require 24-hour hospitalization due to medical advancements.
Covers treatment taken at home on medical advice, which would otherwise have required hospitalization.
Covers the cost of ambulance services to and from the hospital.
Indian insurers offer a wide range of health insurance products tailored to different needs. Here are some of the key types:
Provides coverage for a single individual. Each family member must have a separate policy.
Covers the entire family under a single sum insured. The cover can be used by any or all members.
Specifically designed for individuals above 60 years of age, covering age-related health issues.
Provides a lump sum on diagnosis of specific critical illnesses, irrespective of the actual medical costs.
Offered by employers to their employees, providing health cover to all members of the group.
Covers expenses related to pregnancy and childbirth, including newborn baby cover.
Provides additional coverage over an existing health policy, useful when the sum insured is exhausted.
Covers specific diseases such as cancer, diabetes, or cardiac conditions.
Provides coverage for accidental death, disability, and sometimes accidental hospitalization expenses.
Covers medical expenses incurred during travel abroad.