Health Insurance Quote

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What is Health Insurance?

Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.

  • Health insurance takes care of your medical expenses and ensures that out-of-pocket expenses are curtailed upto the Sum insured
  • A health insurance policy ensures that you can avail cashless treatment at a network hospital without having to pay for them, typically covering 30 days and 60 days pre and post hospitalization, respectively, in most of the Health Insurance plans.
  • One can add value to the Base Health Insurance Plan by complementing them with additional add-on products such as Personal Accident (PA) Cover, Critical Illness (CI) Cover and Top-Up. These products are available at a very nominal cost adding benefits which are not part of the Base Health Insurance plan. For Example, A PA plan helps by providing coverage for disability, which is typically not covered under Health Insurance. An individual need not go through any waiting period and medical checkups for a PA cover.
*Rs. 4 Lacs Health Cover @ Rs. 19/day
Key Points to Remember
  • List of network hospitals and Claim Settlement Ratio
  • Sub-limits (if any) and Waiting Period (for PEDs)
  • Premium to be paid for the coverage
  • Sum Insured by the policy
  • Room Rent Limit
  • Accident Cover
  • Co-pay
Coverage ranging: from Rs. 2 lakhs to Rs. 15 lakhs
Save tax up to: Rs. 55,000/- under section 80D
Policy Modification: Online and offline
Free Health Checkup: Every Year
Get lump sum pay-out: for a critical illness

Best Health Insurance Plans in India

Insurance Companies Health Plans Sum Insured (Min/Max) Pre- Existing Diseases Co- Payment Pre/Post Hospitalization No Claim Bonus
Religare Health Insurance Co. NCB SUPER PREMIUM 2Lacs/5Lacs Covered after 4 years Applicable 30/60 days Max up to 150% of SI
Religare Health Insurance Co. CARE 2Lacs/4.5Lacs Covered after 4 years Applicable 30/60 days Max up to 150% of SI
Religare Health Insurance Co. NCB SUPER PREMIUM WITH UAR 2Lacs/5Lacs Covered after 4 years Applicable 30/60 days Max up to 150% of SI
Religare Health Insurance Co. CARE WITH UNLIMITED RECHARGE 2Lacs/5Lacs Covered after 4 years Applicable 30/60 days Max up to 150% of SI
Aditya Birla Capital ACTIV ASSURE - DIAMOND 2Lacs/10Lacs Covered after 4 years Applicable 60/180 days 10%/20%
Aditya Birla Capital ACTIV ASSURE – DIAMOND WITH UNLIMITED RELOAD 2Lacs/12Lacs Covered after 4 years Applicable 60/180 days 10%/20%
Aditya Birla Capital ACTIV HEALTH ENHANCE (HYPERTENSION) 2Lacs/5Lacs Covered after 4 years Applicable 60/180 days 10%/20%
Aditya Birla Capital ACTIV HEALTH ENHANCE (ASTHMA) 2Lacs/10Lacs Covered after 4 years Applicable 60/180 days 10%/20%
Aditya Birla Capital ACTIV HEALTH ENHANCE (DIABETES) 2Lacs/12Lacs Covered after 4 years Applicable 60/180 days 10%/20%
Aditya Birla Capital ACTIV HEALTH ENHANCE 2Lacs/13Lacs Covered after 4 years Applicable 60/180 days 10%/20%
Aditya Birla Capital ACTIV HEALTH ESSENTIAL (DIABETES) 2Lacs/10Lacs Covered after 4 years Applicable 60/180 days 10%/20%
Aditya Birla Capital ACTIV HEALTH ESSENTIAL (HYPERLIPIDAEMIA) 2Lacs/10Lacs Covered after 4 years Applicable 60/180 days 10%/20%

What Is covered

HOSPITALIZATION

If you are admitted for treatment in a network or a non-network hospital for more than 24 hours.

PRE & POST HOSPITALIZATION

Medical expenses including diagnostic reports, medicines etc. for the treatment you are hospitalized.

DAY CARE PROCEDURES

OPD treatments are not included, but procedures such as cataract and kidney stone removal are covered (even if they don't need 24-hour hospitalization).

ACCIDENT COVER

For medical and other out-of-pocket costs in case of an accidental injury. In fact, this cover is active from the very first day of policy issuance.

Compare Health Insurance Online

Health insurance plans have become a must for every individual. Selecting the right plan at an affordable premium is as necessary. Health insurance is an imperative buy as it helps you to keep up with the ever soaring healthcare costs, thus securing a healthy future for yourself and your family. But it is the most intricate insurance product of all.

Policy Planner Advantage

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Expert advice and an informed, unbiased opinion that clears the confusion and helps you buy that perfect plan for you. Can it get any easier?

POST-SALES ASSISTANCE

Service Managers who assist you with all your post-sale requirements - from claims processing to renewals! They are like superheroes, but only better.

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Have you ever bought something only to find out later that you could have gotten the same item cheaper elsewhere? Policy Planner was created for this reason and that is to help people across the country save on buying insurance.

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