Health Insurance

Protect your family with complete health coverage, not just a policy.

Compare trusted insurers, choose the right cover for your needs, and apply in minutes. This page is designed for full-width browsing so it feels natural on desktop and mobile.

Plans for individuals, families, and senior citizens

Flexible sum insured options

Top-up and super top-up variants

Optional add-ons like critical illness and OPD

Health insurance overview

There are two simple types of health insurance policies:

Individual health insurance

Medical Insurance for Individuals

Individual health insurance is suitable for one person and covers eligible medical expenses, hospitalization, and treatment needs based on the selected plan.

It is a practical choice for professionals and first-time buyers who want focused coverage, better control on premium budget, and flexibility to compare insurers.

Family health insurance

Health Insurance Family

Family health insurance allows multiple family members to be covered under one policy so benefits can be accessed without maintaining separate plans for each person.

It helps optimize premium cost, simplifies policy management, and is useful for families looking for unified protection with options to customize sum insured.

What are the Documents Required for an insurance claim?

Keep these documents ready while filing a claim for faster verification and smoother settlement.

  • Age Proof: Driving licence, voter ID, passport, birth certificate, or any valid age document.
  • Identity Proof: PAN card, passport, driving licence, voter ID, or equivalent government-issued ID.
  • Proof of Address: Aadhaar card, utility bill, bank statement, passport, voter ID, or ration card.
  • Medical Reports: In some cases, a basic medical checkup report is needed during policy issuance or claims.
Insurance claim document checklist

What your health plan should actually include

A good policy should be practical during real emergencies. Focus on claim usability, network hospitals, and coverage depth instead of just premium amount.

Cashless hospitalization

Get treatment at network hospitals without paying large upfront bills in emergencies.

Pre and post hospitalization

Coverage can include consultations, diagnostics, and medicines around your treatment window.

Day-care procedures

Modern procedures that do not require 24-hour admission can still be covered in many plans.

Tax benefits

Premiums may qualify for tax deductions under prevailing income tax rules.

Health insurance benefits

What are the Payout Options Available in Health Insurance?

Health insurance policies offer multiple payout routes so policyholders can choose convenience, flexibility, and stronger financial protection during treatment.

01

Cashless Treatment

The insurer settles bills directly with a network hospital so you do not pay most treatment costs upfront.

02

Reimbursement Option

You can pay first at a non-network hospital and claim eligible costs later by submitting bills and documents.

03

Hospital Daily Cash Benefit

A fixed daily amount can be provided during hospitalization to support incidental non-medical expenses.

04

Top-Up Plans (Supplementary Coverage)

Top-up plans add extra cover after a deductible and are useful when treatment costs exceed base policy limits.

05

Critical Illness Benefit

A lump sum payout may be released on diagnosis of covered critical illnesses such as cancer or heart disease.

Trusted Insurance Partners

Strong network support across top insurers for better claims and service experience.

HDFC Ergo
ICICI Lombard
LIC
Star Health
Reliance General Insurance
Universal Sompo