Health Insurance in India

Your Comprehensive Guide

Risks Covered by Health Insurance

Health insurance in India covers a variety of risks that protect you and your family from unexpected medical expenses.

Hospitalization Expenses

Hospitalization Expenses

Covers the cost of hospitalization, including in-patient, pre-hospitalization, and post-hospitalization expenses.

Daycare Procedures

Daycare Procedures

Covers treatments that do not require 24-hour hospitalization due to medical advancements.

Domiciliary Treatment

Domiciliary Treatment

Covers treatment taken at home on medical advice, which would otherwise have required hospitalization.

Ambulance Charges

Ambulance Charges

Covers the cost of ambulance services to and from the hospital.

Types of Health Insurance Products

Indian insurers offer a wide range of health insurance products tailored to different needs. Here are some of the key types:

Individual Health Insurance

Individual Health Insurance

Provides coverage for a single individual. Each family member must have a separate policy.

Family Floater Health Insurance

Family Floater Health Insurance

Covers the entire family under a single sum insured. The cover can be used by any or all members.

Senior Citizen Health Insurance

Senior Citizen Health Insurance

Specifically designed for individuals above 60 years of age, covering age-related health issues.

Critical Illness Insurance

Critical Illness Insurance

Provides a lump sum on diagnosis of specific critical illnesses, irrespective of the actual medical costs.

Group Health Insurance

Group Health Insurance

Offered by employers to their employees, providing health cover to all members of the group.

Maternity Health Insurance

Maternity Health Insurance

Covers expenses related to pregnancy and childbirth, including newborn baby cover.

Top-up and Super Top-up Health Insurance

Top-up and Super Top-up Health Insurance

Provides additional coverage over an existing health policy, useful when the sum insured is exhausted.

Disease-specific Insurance Plans

Disease-specific Insurance Plans

Covers specific diseases such as cancer, diabetes, or cardiac conditions.

Personal Accident Insurance

Personal Accident Insurance

Provides coverage for accidental death, disability, and sometimes accidental hospitalization expenses.

Overseas Health Insurance

Overseas Health Insurance

Covers medical expenses incurred during travel abroad.