More on Health Insurance

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What is Health Insurance?

In simple terms, when you buy health insurance, you get a financial cover up to a certain amount for the medical expenses you may incur in a year. It covers emergency and planned expenses for hospitalisation, day-care treatments, surgeries, pre and post-hospitalisation, ambulance charges. Hence, a right health insurance policy helps you ward off unnecessary financial burden when a medical situation or emergency arises. Moreover, it also offers tax savings under Section 80D of the Income Tax, 1961 on the premium amount you pay to the insurer.

Directly from Experts

When you buy from Policybazaar, you are ensuring your well-being is prioritized during the time of need. Our dedicated 50-member claims team exclusively deals with health insurance claims, offering support to individuals, families, and even the elderly living alone.

We also offer on-ground claims support across more than 120 Indian cities, helping with every claim-related phase, including paperwork and coordinating with the insurer and the hospital.

Our ‘Claims Samadhan Diwas‘, a customer-centric initiative, helps customers settle under process or rejected claims with their insurance company. You can be confident that you are getting more than just an insurance policy – you are getting a partner who will be with you at every step of the way.

Health Insurance at a Glance

Categories	Specifications
Sum Insured	₹50,000 to up to ₹6 crore
Maternity Cover	Available
Pre & Post-hospitalization Expenses	Covered
OPD Cover	Available
ICU Charges	Covered
Free Health Check-ups	Available
Pre-existing Diseases	Covered*
Ambulance Cover	Available
Day Care Procedures	Covered
Tax Benefits	Up to ₹1,00,000 per financial year#

*Pre-existing diseases are covered after the waiting period is over.
#This is the maximum tax benefit that can be claimed in case both the policyholder and his/her parents are senior citizens.

New launch

Get 100% Cashless Treatment at Any Hospital of Your Choice

You can now obtain 100% cashless treatment at any hospital of your choice with the ‘Cashless Everywhere’ facility. With this facility, you do not have to look for a network hospital of your insurer to avail cashless treatment. Instead, you can get admitted to any nearby hospital and enjoy 100% cashless treatment if you have health insurance. Be it an emergency or a planned treatment, you can avail cashless treatment at all hospitals without worrying about paying the bills and waiting for claim refunds.

How does it work

In case of an emergency, inform your insurance company within 48 hours of hospitalization.
For planned hospitalizations, notify your insurance company at least 48 hours in advance.

*Standard T&C apply | Facility available subject to acceptance by hospital. Not available at the blacklisted hospitals.

Courtesy to: Policy Bazaar