Health insurance is one of the most essential financial protections in today’s world. With rising medical costs, even a single hospitalisation can create heavy financial stress. A health insurance plan ensures that you and your family receive the best medical care without worrying about expenses.
In simple terms, health insurance is a contract where the insurer covers your medical bills—such as hospitalisation, treatments, surgeries, and medicines—in exchange for a yearly premium. It protects your savings, ensures timely medical support, and provides complete peace of mind during health emergencies.
Healthcare costs are increasing rapidly in India. A major illness or accident can cost lakhs of rupees. Health insurance protects you from such financial shocks and ensures you get the right treatment at the right time.
Health insurance helps you manage:
Hospitalisation expenses
ICU charges
Surgery costs
Doctor consultation fees
Medicines and diagnostic tests
Emergency treatments
Day-care procedures
Pre- and post-hospitalisation treatment
Without health insurance, all these expenses must be paid from your own pocket—often causing financial difficulty. With health insurance, the insurer pays on your behalf.
Health insurance follows a simple process:
There are two ways to claim:
You get admitted to a network hospital → the insurer pays the bill directly.
You choose any hospital → pay the bill yourself → insurer refunds the amount later.
This ensures you receive treatment without worrying about funds during emergencies.
You can choose a plan based on your family size, age, and medical needs:
Covers only one person.
Ideal for young individuals and professionals.
One policy covers the entire family (self, spouse, children, parents).
Sum insured is shared among all members.
Specially designed for individuals aged 60+.
Covers age-related medical needs with higher coverage.
Provides a lump sum payout on diagnosis of major diseases like cancer, heart attack, kidney failure, stroke, etc.
Money can be used for treatment, recovery, or income support.
Extended coverage at low premiums.
Useful if you want high coverage (₹20–50 lakh) at affordable cost.
Covers accidental death, disability, hospitalization, and income loss due to accidents.
No need to arrange money during emergencies.
Expenses before and after hospital stay are covered.
Treatments not requiring 24-hour admission are also included.
Premiums paid for self, parents, spouse, and children qualify for tax deductions.
Many policies provide annual or periodic health check-ups.
If you don’t claim in a year, your sum insured increases without extra cost.
Prevents financial stress due to unexpected medical bills.
Everyone needs health insurance, but especially:
Families with children
Senior citizens
Working professionals
People with lifestyle diseases
Individuals with high medical expenses
People wanting financial protection from unpredictable healthcare costs
The earlier you buy, the lower your premium and higher your coverage.
Hospital room rent
ICU charges
Doctor visits
Surgery fees
Medicines & tests
Ambulance charges
Organ donor expenses
Day-care treatments
Cosmetic surgery
Dental treatment (unless accidental)
Pre-existing diseases during waiting period
Non-prescription items
Experimental treatments
Health insurance is not just a policy—it’s a shield that protects you and your family from rising medical expenses. It ensures access to quality healthcare, provides financial security, and keeps your savings intact during medical emergencies.
With the right plan, you can face any health challenge with confidence and peace of mind.