Health Insurance

Comprehensive cover for hospitalisation, critical illness, and family protection backed by banks & insurers.

Overview

What is Health Insurance?

Health Insurance reimburses or pays for medical expenses due to illnesses or injuries—covers hospitalisation, daycare procedures, and specified critical illnesses as per policy terms.

Sum Insured

₹1 Lakh – ₹1 Crore

Policy Term

1 year (renewable) / Multi-year options

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Types

Individual Health Insurance
Family Floater
Critical Illness Cover
Senior Citizen Plans
Top-up & Super Top-up Policies

Key Benefits

Cashless hospitalisation at network hospitals
Tax benefits under Section 80D
No-claim bonuses & renewability
Option for add-ons (opd, maternity)

Eligibility

Who can apply?

Most individuals, working professionals, families and senior citizens (plans for each category vary).

General

Resident Indian status
Age limits vary by plan (e.g., 18–65 for standard plans)
No major undisclosed pre-existing illnesses

For Senior Citizens

Dedicated plans available with specific limits
Medical screening may be required
Higher premium due to age-based risk

Documents & Claims

Documents & Claim Process

Typical documents and a brief claim flow used by banks & insurers.

Documents Required

KYC: PAN, Aadhaar, Address proof
Proof of age (DOB)
Medical reports & bills (for claims)
Policy copy & hospitalization discharge summary

Claim Process (simplified)

Inform insurer / TPA within policy timelines
Submit claim form + medical & hospital documents
Claim assessment & cashless approval (if network hospital)
Settlement: Cashless or reimbursement per policy terms

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