IRDAI/I NTAII/BA/51/2018
CIN: U72900KA2018PTC110119
CIN: U72900KA2018PTC110119
Insuremile understands the importance of safeguarding your most valuable asset—your health. Having a trustworthy health insurance plan is more than a luxury in this uncertain world; it is an absolute need. We take pride in being your trusted partner, offering the best health insurance solutions in India tailored to meet the unique needs of individuals, families, and senior citizens.
Health insurance is a major financial instrument that covers expenditure on medical treatment or care regarding illness, injury, or other health-related conditions. Owning a good health insurance policy keeps you and your family members safeguarded from soaring medical treatment and hospitalization costs. An efficient health insurance policy must cover a wide range of healthcare facilities, such as doctor consultation, surgery, prescribed drugs, and vaccination.
Medical emergencies are never scheduled. On such occasions, healthcare costs often turn out to be an expensive necessity. Health plans give you protection against medical emergencies that chew up financial resources, leaving you stressed with no hope for timely medical help and adequate treatment for your ailment. Apart from covering the expenses of hospitalization, health insurance offers several other benefits, such as cashless treatment, coverage for pre-existing conditions after a waiting period, and tax benefits under Sec 80D of the Income Tax Act.
While one chooses their health insurance provider, the very first and foremost judgment parameter would be the trust factor. Out of the many players available in the market, one of the leading companies in India is Care Health Insurance. Formerly known as Religare Health Insurance, it provides a wide range of health insurance products crafted to meet varied requirements. It provides a policy recognized for its features that also include wide-ranging coverage and high service standards.
Care Health Insurance offers a variety of health insurance plans to cater to individual requirements. The salient features of these plans include:
Broad Coverage: Coverage is provided for in-patient hospitalization, pre-and post-hospitalization, day care treatments, and domiciliary hospitalization.
Cashless Treatment:All treatments are provided on a cashless basis in more than 16,500 network hospitals across India.
No Claim Bonus: For every year that a policyholder does not raise any claim, he/she can earn a no-claim bonus, which increases the sum insured.
Health Check-ups:Regular checkups make one eligible for monitoring health and maintaining it well. Maternity Benefits: It pays for expenses related to the delivery of a newborn and covers expenditure for the care of the baby.
Alternative Treatments: The treatments in alternative systems of medicines like Ayurveda, Unani, and Homeopathy are also reimbursed.
One of the huge benefits linked to health insurance is the tax benefit. You can avail of a deduction on the premiums paid toward health insurance, reflected in your Income Tax under Section 80D. This is how you can save tax with your health insurance policy:
Self and Family: You are entitled to a deduction on the premium amount paid for insurance on your life, your spouse, and dependent children, for an amount up to a total of ₹25,000.
Parents: You get an extra deduction up to ₹25,000 on the premium amount paid for insurance of parents. If the policyholder’s parent is a senior citizen, the limit of deduction rises up to ₹50,000.
You can also avail a deduction of ₹5,000 for preventive health check-ups, within the overall limit.
While raising a health insurance claim through InsureMile, you need to provide the following documents:
Claim Form: Duly filled and signed claim form.
Health Insurance Policy Document: Proof of insurance coverage.
Medical Bills and Receipts: The original bills and receipts and discharge summary from the hospital.
Doctor’s Prescription: The original prescription from doctor that calls for hospitalization.
Investigation Reports: The pathology and diagnostic reports.
KYC Documents: The proof of identity and address.
Waiting period in health insurance means a period of time during which a claim will not be paid by the insurer. The waiting period starts from the date of commencement of the policy. Waiting periods serve a crucial role ‘ it decides the appropriate health insurance plan applicability :
Initial Waiting Period: 30 days from the commencement of the policy except claims on account of accidents.
Pre-existing Diseases: The waiting period in case of pre-existing conditions varies from 1 to 4 years, depending on the policy.
Specific Diseases: Some diseases and the treatments for them are restricted for a certain period, and these are stated in the policy document.
While buying health insurance from InsureMile, one needs to keep in mind the following points to ensure that the best plan is availed.
Full Coverage: Be sure that the policy states that it covers the following classes fully: hospitalization, outpatient treatment, maternity benefits, and pre-existing diseases.
Sum Insured: The sum insured has to be that amount which helps in paying at least a part of the treatment cost.
Network Hospitals: The network of hospitals offered by the insurer should be verified so that you avail cashless treatment in reputed hospitals closer to your place.
Claim Settlement Ratio: A high number in this ratio makes the insurer trustworthy in the process of settlement of claims.
Add-On Benefits: See whether the plan has additional benefits, including no-claim bonuses, wellness programs, and coverage of alternative treatments.
Premiums: Compare the premiums of plans. Avail of affordable insurance that provides extensive coverage.
Customer Service: Check the responsiveness and readiness of the customer service of the insurer in case one is filing claims.
Several insurers offer top-notch family health insurance plans in India. Some of the best plans include:
Care Family Health Insurance Plan: Known for its extensive coverage and benefits, this plan is designed to cater to the healthcare needs of your entire family.
Apollo Munich Easy Health Family Floater: Offers comprehensive coverage, including critical illness cover and cashless hospitalization.
Star Family Health Optima: A popular plan offering a wide range of benefits, including automatic restoration of the sum insured and coverage for modern treatments.
Someone who cares about your health and knows their way around the insurance industry is the best choice when it comes to protecting it. When it comes to health insurance in India, we are the most dependable and customer-focused option, and we will make sure you get the best coverage possible.
Insuremile promises comprehensive health insurance, unmatched benefits, and a customer-centric approach. Choose us for the best health insurance in India because your health and well-being deserve nothing but the best. Partner with us today and experience the assurance of a healthier, happier tomorrow.
We are dedicated to making sure that your family stays healthy, because that is what matters most to you. The health insurance plans for family is designed to provide comprehensive coverage, encompassing a range of medical expenses.
Our family-centric approach means that you can rest easy, knowing that your loved ones are protected with the best health insurance plan available. From hospitalization costs to outpatient treatments, we’ve got you covered.
Insuremile recognizes that each individual is unique, and so are their health needs. Our diverse range of health insurance plans caters to the specific requirements of every policyholder. Whether you’re a young professional seeking basic coverage or someone with specific health concerns, we have the best health insurance in India for you. Our plans are flexible and can be customized to match your lifestyle and financial preferences.
Our healthcare requirements evolve with age, making it all the more important to have adequate coverage. We specialize in providing health insurance for senior citizens that addresses the unique health challenges associated with aging.
Our plans offer comprehensive coverage for hospitalization, medical consultations, and other healthcare expenses, ensuring that you or your elderly loved ones receive the best care without the burden of financial stress.
We stand as a beacon of excellence in the health insurance landscape, offering plans that not only meet but exceed industry standards. Our commitment to providing the best health insurance is reflected in the extensive coverage and benefits we offer.
Feel secure in the knowledge that our plans, which provide cashless hospitalization and coverage for pre-existing conditions, are adequately protecting your health and financial stability.
What sets us apart is our unwavering dedication to our customers. We understand that navigating the world of health insurance can be complex, and we are here to simplify the process for you. Our customer support team is always ready to assist you, whether you have questions about our health insurance plans or need guidance in choosing the best option for your needs.
Super Premiums at a Lower Cost –Our insurances can be availed by all. We believe in insuring people’s assets with the maximum guarantee at a minimum cost.
Fast and Hassle-free – We also believe in saving your time. And thus, we have made our insurance claim system super-easy and effortless. No more tedious paperwork; everything is done online.
Free Policy Services –You can Renew Policy, Cancel Policy, or Change Policy details without a single cost. All these services are complimentary.
Door Step Claim Services – We also offer File Claims, Claim status, Claims centers, and much more.
Free Emergency Services –Nearby Hospitals, Nearby Repair centers, Nearby Ambulance
Free Nearby Services – Nearby Traffic, Nearby Parking centers, Nearby Policy stations
Secure yourself with a full-proof insurance against expensive damages and third party obligations.
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Meet all your costly medical requirements without worry or second thought. Just be insured with us.
A term that refers to any plan that offers medical services to its members.
Health insurance premium will calculate based on the policy type i.e. individual or family, floater, sum insured of policy, age of the insured person and other factors. On an average, the health insurance premium for a sum insured of Rs. 5 lakhs that an individual might have to pay around Rs. 5,000 to Rs. 10000, depending upon the policy type and insurance company.
Compare health insurance policy is way to get best policy to suit your needs, you must explore online to get 3 insurance companies quotes before you make up mind to buy health insurance policy, so that you know benefits and premium of health insurance policy, you may end up save hug amount of money and insurance company may offer you better coverage based your age and city of living. Online websties may offer better additional free riders such as cashless hospital claims, top up sum insurance when you need extra coverage etc.
There are 3 type’s of health insurance health plan, personal accident and critical illness.
No one knows what will happen tomorrow. And sometimes personal health insurances can be less beneficial in case a couple of members of family get sick. Be sure to think beforehand about the possibility of securing more than one member of your family.
A pre-existing condition in a health insurance policy refers to a medical condition or disease that existed before you obtained the insurance coverage. This term is significant because insurance companies typically do not cover such pre-existing conditions within a specific timeframe, usually 48 months prior to the start of the first policy. This means that pre-existing conditions may be considered for payment only after completing 48 months of continuous insurance coverage. It’s important to understand these terms and conditions regarding pre-existing conditions when choosing or managing a health insurance policy.
Family Floater is one single policy that takes care of the hospitalization expenses of your entire family. The policy has one single sum insured, which can be utilized by any/all insured persons in any proportion or amount subject to the maximum overall limit of the policy sum insured. Quite often Family floater plans are better than buying separate individual policies. Family Floater plans to take care of all the medical expenses during sudden illness, surgeries, and accidents.
Yes, you can change your health insurance policy during renewal by switching to a different plan or insurance company. It’s important to review your coverage needs and compare options before making changes.
Cashless hospitalization allows insured individuals to avail medical treatment at network hospitals without paying cash upfront. Under the cashless hospitalization benefit in health insurance, the insurance provider pays the hospital directly for the covered medical expenses, based on the terms and conditions outlined in the policy.
There is no fixed limit to the number of claims you can make in a year. However, the total amount of claims should not exceed the sum insured specified in your policy.
If your claims exceed the sum insured in a year, you will have to bear the additional medical expenses out of pocket. The insurance company will not cover any amount beyond the sum insured.
The waiting period in health insurance is the duration you need to wait from the policy commencement date before you can start claiming insurance benefits. During this period, the insured cannot make any claims.
The waiting period duration can vary depending on the insurance provider and the type of health insurance policy. Common waiting periods include:
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