What is Health Insurance?

Health insurance, also called medical insurance, is a plan that helps cover your healthcare costs. When you have health insurance, you enter into an agreement with an insurance company, which promises to help pay for medical expenses if you get injured, face a serious illness, or need treatment for an accident. It’s a way to ease the financial burden of healthcare, so you can focus on getting better without worrying as much about the cost.

To receive the benefits of a health insurance policy, policyholders pay a set amount called a premium. In return, the plan provides a range of coverage options, including expenses related to hospital stays before and after treatment, care at home if needed, coverage for daycare procedures, and even an annual medical check-up. This support can make healthcare more manageable and affordable.

Addons Under Health Insurance

Maternity Cover

You can cover the expenses related to maternity, pre & post-natal expenses & newborn child under a maternity add-on rider.

Critical Illness

A lump sum is paid upon diagnosis of a critical illness during the policy term, such as heart disease, kidney failure, or cancer.

Personal Accident

You will receive the total amount if you become completely permanently disabled or partially disabled due to an accident.

Hospital Daily Cash

You will get a daily cash allowance to take care of additional expenses such as food, travel, etc. at the time of hospitalization.

Reduction of Waiting Period

A lump sum is paid upon diagnosis of a critical illness during the policy term, such as heart disease, kidney failure, or cancer.

Room Rent Waiver

This rider allows you to increase the sub-limit for hospital room rents or choose no sub-limit for greater flexibility and comfort.