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What is Health Insurance?

Health Insurance is an insurance policy that ensures that you get cashless treatment or expense reimbursement, in case you fall ill. It is a contract between a general insurance company and one, which considers expenses incurred when availing treatment. However, the insurance company would pay for your treatment if the medical condition is covered by your policy. As per IRDAI, the premiums payable towards such an insurance policy have tax advantage under section 80D of Income Tax Act, 1961.
Individual Plans Cashless Hospitalization: Medical expenses are skyrocketing! Get health insurance for your medical outlay. With cashless facility, stay tension-free and cure yourself faster. Approved by IRDAI, PolicyBazaar helps you compare and find the best plan.

Buy Best Health Insurance Policy

1. Individual Health Insurance Plan from Top Insurers
2. Lowest Premium On Medical Insurance
3. Compare Policies Instantly

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Importance of Health Insurance

There is no debating on the importance of having insurance in a country like India that ranks very low on human life index. Everyone must buy a good health plan that includes medical outlay, hospitalisation costs, medication and laboratory test costs, including critical illness. As is rightly said, “Health is wealth”, one must be prepared to manage such a situation in life. Don’t get confused with questions like – Which health policy to buy? Does this consider everything? What illnesses are excluded from this cover? Deal4Insurance is here to resolve all such confusions.

Just compare health insurance policies from top health insurers on our website and buy the best health plan. Let us know your basic requirements and we will find the best-suited health insurance quotes. You can, then, compare health insurance policies side by side, based on the parameters like health insurance cost; riders etc., and choose the best health insurance for self and/or your family members.

The treatment cost is getting way too expensive. Health insurance prevents a medical emergency from turning into a financial emergency. It makes sure that health care needs of one are taken care of without depleting one’s savings and compromising on one’s future goals. The contract of health insurance requires the provider to pay some or all of one’s health care costs in exchange of a periodic imbursement. Additional advantages of health insurance policies include regular health check-ups, cashless services, pre and post hospitalization expense reimbursement etc.

Health insurance policies allow you save thousands on taxes under section 80D of Income Tax Act, 1961. The premiums paid towards the policy reduce your annual tax liability, thereby reducing your taxable earnings per year.

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Types of Health Insurance Policies in India

One needs to ensure the security of health of oneself as well as of the family. With the increasing cost of healthcare in India, health insurance has become almost mandatory for everyone. Health insurance makes sure not only health security but also hassle-free claim resolution. In today’s world of advancements, people have different choices when it comes to purchasing health insurance. There are various plans readily available in India to include every aspect of a medical emergency. Some popular types of policies are explained below:

1. Individual Health Insurance Policies:
This health insurance policy considers one against several illnesses, offering advantages like cashless hospitalisation and various add-ons. The entire amount is available for only one and is determined by the age of the insured. Under this policy, each insured member is entitled to receive the entire amount separately.

2. Family Floater Health Insurance Policies:
With this health insurance policy, you can include all your family members against multiple diseases under a single cover. Family floater Mediclaim offers a fixed assured amount for the family members that can be availed either by one or as a lump-sum for treatment of one person. Family benefit means that the sum, as specified for the proposer under the policy, is available for any one or all members of his/her family for one or more claims during the tenure of the policy. Family mediclaim plans come at a marginally incremental expense.

3. Surgery & Critical Illness Insurance Plans:
This is usually brought as a standalone policy or a rider for the treatment of various critical illnesses, such as kidney failure, paralysis, cancer, heart attack etc. As the medication of such illnesses is expensive, the imbursement is also very high. A critical illness is a serious, possibly terminal disease, strictly defined by the provider. Most critical illness policies provide a lump-sum benefit if the insured is diagnosed with one or a number of specified terminal conditions.

4. Pre-Existing Disease Cover:
After a time of 2-4 years, various policies consider pre-existing diseases, e.g. diabetes, hypertension, kidney failure, cancer etc. Pre-existing disease cover includes the illness that the insured had before purchasing the policy.

5. Senior Citizen Health Insurance Plans :
This health insurance plan is designed particularly for anyone with age above 60 years, offering protection from health issues during old age. According to IRDAI, every firm must include people up to the age of 65 years.

6. Preventive Healthcare:
Undoubtedly, healthcare is very expensive and nobody wants to fall ill; anyways. So, now we have preventive health care that takes care of you and does not let you fall sick. This policy considers preventive care, such as regular health check-ups, concession in X-ray fees, consultation fee etc. By offering various healthcare good, this plan aims at keeping you healthy, thereby considering health check-ups at regular intervals. Preventive care is medical care rendered not for a specific complaint but focused on prevention and early-detection of ailments.

7. Maternity Health Insurance:
Health insurance companies today covers such additional costs, including both pre and post natal care, child delivery (normal or caesarean), which sometimes lead to vaccination of newborn babies. This insurance covers the newborn baby up to the validity of this insurance policy. It also covers transportation fee for ferrying the mom-to-be to the nearest network hospital of choice.

8. Personal Accident Cover:
These personal accident plans are frequently provided as riders to standard health insurance plans, which consider hospitalisation and bear medical outlay, in the event of an accident. These are issued as fixed benefit policies, where specified sums are paid on occurrence of specified or unforeseen events, such as accidents. Such events can result in death or disability of the person. However, the payout is not related to the expenditure.

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Best Health Insurance Policies in India: Coverage and Features

1. Max Bupa Health Insurance

2. Bharti AXA Health Insurance

3. HDFC ERGO Health Insurance

4. SBI Health Insurance

5. L&T Health Insurance

6. Bajaj Allianz Health Insurance

7. Reliance Health Insurance

8. National Health Insurance

Why People Choose Deal4Insurance.com for Insurance
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Key Advantages & Features of Health Insurance Policies

The cost of healthcare in the modern days is increasing at a high pace while one’s earnings do not seem to match up that level. Regular health check-ups are getting out of one’s range of affordability since multiple expenditures of thousands are common in such scenarios. A patient looking forward to availing frequent health check-ups is no longer expected. A comprehensive health plan comes packed with features. Understanding the following features makes purchasing health insurance policy easy:

1. Cashless Treatment
Every health insurance organization has tie-ups with various nursing homes across the country or ‘empanelled hospital’. If you get admitted, you don’t need to pay anything. Just tell your policy number and everything else will be taken care of by the hospital and your insurer. This type of plan is mostly preferred because there is no stress of claim resolution and arranging documentation. However, if expenses go beyond the sub-limit specified by the insurance cover or marked as not covered by the provider, then they have to be settled by the person directly with the hospital. Another important thing to remember is that cashless Mediclaim is not available if one gets treatment in a hospital that is not part of the hospital network of provider.

2. Pre and Post Hospitalization
This feature of a health insurance policy takes care of both pre and post hospitalisation fee over a time of 30 to 60 days, depending on the plan purchased. It takes into account costs incurred during a certain number of days both prior to and post hospitalization for a specified period from the date of discharge as part of the claim, provided the expenditures are related to the disease/sickness.

3. Ambulance Fee
The person is free from burden of transportation fee, as it is borne by the firm. This is an add-on benefit and you should opt for it while purchasing.

4. No Claim Bonus
NCB (or No Claim Bonus) is an advantage provided if the person does not file a claim for any treatment in the previous year. Advantage could be in any form, either an increment in the sum assured or a discount in the cost. You can avail this advantage on renewal.

5. Medical Check- Up
Health insurance policy entitles the insured to receive regular medical check-ups. Free check-up is provided by few insurers, provided you have a good history of no claim bonus.

6. Room Rent in Your Health Insurance Sub-limits
A healthy insurance policy may have various sub-limits associated with it; room rent is one of those sub-limits. General Insurance Companies provide you with coverage max up to sum assured. However, they can deliberately trim down their liability by introducing the sub-limit clause in the coverage for the room rent.

A sub-limit on room rent in case of hospitalization works on per day basis. For instance, if your health insurance policy covers your daily room rent max up to Rs. 3,000 and the particular room costs you Rs. 5,000 per day, then you will have to pay the remaining Rs. 2,000 out of your own pocket. Besides, the room charges are directly associated with the type of room you are availing, i.e. a single room or on a sharing basis. Everything else is calculated proportionately.
If the total cost incurred for your treatment at the hospital is Rs. 5, 00,000, the table shown below illustrates the proportionate expenses to be borne by your insurer and you, respectively.

In this case, the total cost to be borne by you is Rs. 1, 16,000 out of the total expense incurred, i.e. Rs. 5, 00,000. Thus, make sure you choose wisely if you want any such sub-limits in your health insurance policy or not.

7. Tax Benefits
According to India’s tax system, if you are paying the premiums, then you can avail income tax rebate u/s 80D of ITA of up to Rs.25000 for Indians in the age group of 18 to 60 years while the premiums paid for anyone above 60 years of age reaches Rs.30000 for anyone.

8. Co-Payment
According to this feature, you can lower the health insurance cost. Medical insurance plans offer co-payment option that pre-defines the voluntary deductibles to be borne by the firm. So, in the event of medication, some amount is paid by the customer and the rest by the provider. It is a cost-sharing requirement under a health insurance policy, which states that the organization or the person will bear a certain share (in percentage) of the total admissible cost. However, the co-payment option does not have any effect on the sum assured.

9. Health Insurance Portability
Health insurance portability enables an insured to changes one health insurance company without losing continuity advantages with respect to pre-existing ailments, waiting period, and other time bound exclusions earned in the earlier policies. For this, they have to first switch to a plan offered by their current health insurance organization, and after a year, they are allowed to switch to a firm of their choice. Health insurance portability has come as a breather for policyholders who were trying to change their insurance firm but were unable to do so earlier. With this, they can now try out the policies they prefer with the insurance companies they prefer.

10. Tax Benefits of Health Insurance
Health insurance policies entitle you to receive tax benefit under section 80D of income tax act, 1961. The premiums you pay towards health plan for self or your family members get you a tax rebate, irrespective of whether they are dependent on you or not. The tax benefit offered with respective to the premiums is subject to the age of the person while there is a cap of maximum benefit that can be availed. You can save max up to Rs. 25, 000 in taxes a year unless your age is above 60 years. If your age is above 60 years, then this cap of maximum tax benefit increases to Rs. 30, 000.
If you are paying the premiums for health insurance of your parents as well as of your own, then you are eligible for tax exemption of up to Rs. 55, 000 a year under section 80D, provided your parents are senior citizens.

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Testimonials

Few of our clients & their testimonials

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Excellent service Deal4Insurance.com, compared and purchased health insurance for my parents in about 5 minutes. Nice layout and very simple. Cheers! "

-Prashant Sultania IT Professional, Bangalore

"I consider myself lucky to come through Deal4Insurance.com, really easy to buy an insurance policy on it. I bought Health insurance for me and my wife in just few minutes time. Very easy to use. "

- Neeraj Marketing, Haryana

"I was panicking when I realised travel agent didn’t provide the insurance for the trip just before the travel day . I found Deal4Insurance.com was quite helpful and got sorted instantly over a phone call. Great Service. "

-Sumanta Paul IT Professional, Mumbai

I did my vehicle insurance through Deal4Insurance.com earlier, so when the insurance of vehicle fleet expired I contacted them. They did a great a service to renewing them immediately without much hassle.

-Chandan Sharma Aum Express, Delhi

I met with an accident last month with my i20, contacted Deal4Insurance.com and they helped me through towing and cashless repairment. I was quite impressed by the professional approach and speedy service.

- Apurba Barman Impulse, Kolkata

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