Zero commission, direct insurer rates β updated monthly
π 2026ζζ° plans
Provider
Plan Name
Sum Insured
Annual Premium
Tenure
Cashless Network
Apply
π¦ HDFC ERGO
Health Suraksha Plus
βΉ5 Lakh
βΉ12,000/yr
1 Year
1000+ Hospitals
π‘οΈ ICICI Lombard
Health Protect Elite
βΉ10 Lakh
βΉ20,000/yr
1 Year
1500+ Hospitals
β€οΈ Max Bupa (Niva Bupa)
Health Companion
βΉ7 Lakh
βΉ15,000/yr
1 Year
1200+ Hospitals
π Care Health
Care Supreme
βΉ15 Lakh
βΉ27,500/yr
1/2 Year
2000+ Hospitals
*Premium shown for age 30, inclusive of GST. Terms apply
π‘οΈ
What is Health Insurance?
Health insurance covers hospitalization, surgeries, daycare procedures, and pre/post hospitalization expenses. Protects savings from unexpected medical costs.
βοΈ
How it works
Pay affordable premium β avail treatment at network hospitals (cashless) or claim reimbursement. Renew yearly with easy paperwork.
π
Key features
β Cashless 10k+ hospitals β No-claim bonus up to 50% β Restoration benefit β AYUSH & domiciliary cover
π Required Documents
βοΈ PAN / Aadhaar (KYC)
βοΈ Medical history declaration
βοΈ Age proof (Birth certificate / Passport)
βοΈ Nominee details
βοΈ Recent passport-size photograph
β Eligibility Criteria
βοΈ Entry age: 18 β 65 years
βοΈ Individual & family floater plans
βοΈ Pre-existing diseases: waiting period 2-4 yrs
βοΈ Senior citizen plans available
π° Tax Benefits (Sec 80D)
βοΈ Up to βΉ25,000 for self & family
βοΈ Extra βΉ50,000 for senior citizens
βοΈ Preventive health checkup included
π¬ Frequently Asked Questions
1. What is the waiting period for pre-existing diseases?
Usually 24 to 48 months depending on the insurer. Some plans offer reduced waiting period at extra premium.
2. Can I port my existing health insurance?
Yes! IRDAI allows porting within 45 days of renewal. Get better benefits without losing continuity benefits.
3. Is maternity cover included?
Many comprehensive plans offer maternity coverage after 2-4 years waiting period. Optional riders available.
4. How does cashless claim work?
Show your health card at network hospital β insurer settles bill directly. Pre-authorization required for planned admissions.
5. Are COVID-19 & pandemics covered?
Yes, standard policies cover hospitalization due to COVID-19 & other infectious diseases subject to terms.
