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Health Insurance Plans

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Nobody is unaware about the ever rising exorbitant costs of medical expenses, health insurance offers financial support in uncertain medical requirements- It prevents a medical emergency from turning into a financial emergency. Health insurance ensures that health care needs are taken care of without depleting one’s savings and compromising one’s future goals. Health Insurance Plan usually covers medical expenses during hospitalization along with pre and post hospitalization expenses depending on plan details. Different plan covers facilities differently like Sub Limits, Maternity Cover etc so it becomes more important to go in details while choosing a plan. However, there are many health insurance policies in India and before buying a policy one should compare health insurance policies and then go for the one that would suit ones needs.

Health Insurance Plans

Know more about Safebima Health Insurance Plans
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Health Insurance Calculator

Calculate the total expenses on your health.

Benefits of Health Insurance

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Day Care Procedures

Medical expenses for 144 day-care procedures which do not require a 24 hours hospitalization of the patient due to technological advancements.

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Tax benefits

Under Section 10(10D) of the Income Tax Act in India, the maturity benefits offered by Health insurance policies are eligible for tax benefits and under Section 80C, the premiums paid on Health insurance policy also get tax deductions.

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No Sub-Limits

No Sub-limits on hospital room rents, hospital expenses, specific diseases and doctor fees.

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Cover Cost

Every claim-free year is subject to an increase in the Sum Insured amount by 5% (of the basic sum insured); up to a maximum of 50% increase of the sum insured.

Types of Health Insurance

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Individual Health Plan

This Health plan covers entire hospitalization, coverage details depend on the Sum Assured taken and premium paid.

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Health Plan for Senior Citizen Plan

According to IRDA, every insurer must provide cover for people up to the age of 65 years. This health insurance plan is designed especially for senior citizens, offering

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Family Floater Plan

This Health insurance plan is especially made to cover families against diseases under a single cover. This plan is quite

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Critical Illness Policy

This is usually brought as a standalone policy or a rider for certain critical diseases related to hear, brain and other important internal

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Pre-Existing Disease Cover Plan

Pre-existing disease cover includes the diseases or illness that the policyholder had before buying the policy. After a waiting period of 2-4 years, various policies offer a cover against the

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Preventive Healthcare Plan

This health plan offers to take care of you and not let your fall sick. This includes preventive care treatments like regular checkups, consultation charges and other tests or x-ray fees concessions.

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Maternity Health Insurance

This health plan covers maternity and additional expenses, including both pre and post natal care, child delivery (normal or caesarean), which sometimes lead to vaccination of newborn babies.

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Personal Accident Cover

This health plan offers to take care of you and not let your fall sick. This includes preventive care treatments like regular checkups, consultation charges and other tests or x-ray fees concessions.

Why Health Insurance

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Cashless facility

Insurance companies have associations with different hospitals and if an individual undergoes treatment in any of these hospitals he/she can avail cashless facility

Pre and Post Hospitalization

This feature of health insurance policy takes care of both pre and post hospitalization charges for a period of 30 to 60 days depending on the plan purchased

Daily Allowance

Some policies also cover expenses incurred daily for eg. Expenses incurred while commuting, food or refreshments etc.

Health checks facility

Under this facility the expenses for a general health checkup are also borne by the insurer.

Miscellaneous expenses

Some premium policies also cover miscellaneous expenses like expenses incurred in dental treatment, domiciliary treatment if being recommended by a doctor, expenses incurred on hearing aids, spectacles etc.

Ambulance chargest

The policy holder is free from burden of transportation or ambulance charges as it is paid by the insurer. This is an add-on benefit and you should have opted for it while purchasing.

No Claim Bonus

This feature of health insurance policy takes care of both pre and post hospitalization charges for a period of 30 to 60 days depending on the plan purchased

Tax benefits

The premium paid towards health insurance is also eligible for tax benefit under section 80 D of the Income Tax Act. Factors affecting the premium cost- The premium paid towards the insurance policy depend on various factors like age and prior medical history.

Concepts & FAQ's Health Insurance Plans

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All Insurance Company List

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  • 1. Edelweiss Tokio Life Insurance Company Limited
  • 2. HDFC Life Insurance Co. Ltd
  • 3. Max Life Insurance Co. Ltd.
  • 4. ICICI Prudential Life Insurance Co. Ltd
  • 5. Kotak Mahindra Life Insurance Co. Ltd
  • 6. TATA AIA Life Insurance Co. Ltd.
  • 7. Aditya Birla SunLife Insurance Co. Ltd.
  • 8. SBI Life Insurance Co. Ltd.
  • 9. Exide Life Insurance Co. Ltd.
  • 10. Bajaj Allianz Life Insurance Co. Ltd.
  • 11. PNB MetLife India Insurance Co. Ltd,
  • 12. Reliance Nippon Life Insurance Company Limited,
  • 13. Aviva Life Insurance Company India Ltd.
  • 14. Sahara India Life Insurance Co. Ltd.
  • 15. Bharti AXA Life Insurance Company Ltd
  • 16. Future Generali India Life Insurance Company Ltd.
  • 17. IDBI Federal Life Insurance Company Limited
  • 18. Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited,
  • 19. Aegon Life Insurance Company Limited,
  • 20. DHFL Pramerica Life Insurance Co. Ltd.
  • 21. Star Union Dai-Ichi Life Insurance Co. Ltd.
  • 22. IndiaFirst Life Insurance Company Ltd.

Disclaimer !

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