Individuals
A personal plan with hospitalization, daycare procedures, and ambulance cover sized to your needs.
Cashless Health Insurance
Cashless Health Insurance: Compare Top Plans
Cashless Health Insurance: Compare Top Plans with Insuremile. Secure your family's health and savings against soaring medical costs with cashless hospitalization across partner network hospitals, pre-existing cover, and Section 80D tax deductions.
Health Plan Highlights
Coverage that keeps up with medical costs.
- 01Cashless hospitalization across authorized network hospitals
- 02No-Claim Bonus (NCB) premium discounts or sum insured booster rewards
- 03Tax benefits under Section 80D of the Income Tax Act
Who It's For
Plans for every stage of life.
Families
One policy covering spouse, children, and parents. Shared sum insured keeps premiums lower than separate plans.
Senior Citizens
Plans designed for ages 60+. Higher sum insured, wider pre-existing disease cover, and domiciliary treatment.
Health Coverage Lines
Comprehensive medical protection for Indian families.
Individual Health Insurance
Dedicated sum insured for a single individual, offering cashless hospitalization, daycare treatment, and pre/post-hospitalization cover.
Family Floater Health Insurance
Single shared sum insured covering self, spouse, children, and parents under a cost-effective combined family umbrella.
Senior Citizen Health Plans
Specialized health protection for parents aged 60+, featuring reduced waiting periods, annual health checkups, and pre-existing condition cover.
Critical Illness Rider
Lump-sum cash payout upon diagnosis of listed critical conditions like cancer, heart attack, stroke, or kidney failure.
IRDAI Protection Guidelines
Modern health insurance benefits enforced by regulator.
- 01No Age Barrier for EntryIRDAI regulations permit individuals of any age to purchase new health insurance policies.
- 0236-Month Max Waiting PeriodPre-existing condition waiting periods are capped at a maximum of 36 months across all insurers.
- 03Cashless Approval TurnaroundInsurers must grant initial cashless pre-authorization within 3 hours of request.
- 04AYUSH & Alternative TreatmentsComplete coverage for Ayurveda, Unani, Siddha, and Homeopathy hospitalization expenses.
- 05Cumulative Bonus ProtectionSum insured increases by 10% to 50% for every claim-free year without premium increases.
Tax Savings & Buying
Section 80D tax optimization and purchase guide.
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Choose a sum insured of at least ₹10 Lakh to ₹1 Crore considering healthcare inflation in urban Indian hospitals.
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Frequently Asked Questions
Health Insurance FAQs
Answers to common questions about cashless network claims, Section 80D tax deductions, pre-existing diseases, and sum insured options.
What does a ₹1 Lakh to ₹5 Lakh health insurance plan cover?
Health insurance covers hospital room rent, ICU expenses, surgery costs, doctor consultations, pre-hospitalization (typically 30-60 days), post-hospitalization (60-90 days), daycare procedures, and ambulance charges up to the selected sum insured.
How does cashless hospitalization work with network hospitals?
Present your health card and ID at an empaneled network hospital. The hospital's insurance desk submits a pre-authorization form, and the insurer or TPA verifies and settles covered medical bills directly with the hospital.
Are pre-existing diseases covered in health insurance?
Yes. Under IRDAI guidelines, pre-existing diseases (like diabetes or hypertension) are covered after a standard waiting period of 1 to 3 years, provided all conditions were declared at the time of policy purchase.
What tax benefits can I claim under Section 80D?
You can claim deductions up to ₹25,000 for health insurance premiums paid for yourself and family (₹50,000 if senior citizens), plus an additional ₹25,000 to ₹50,000 for policies covering dependent parents.
Is a medical checkup mandatory before buying health insurance?
Most insurers do not require pre-policy medical checkups for individuals under 45 or 50 years of age choosing sum insured levels up to ₹10 Lakh, provided no severe medical history is declared in the proposal form.
Our Commitment
Need Help Choosing?
Talk to our Customer Success team. We'll help you evaluate waiting periods, room rent caps, and network hospital cashless access.