Health Insurance
  • 100+ top insurance plans
  • Premium starting @Rs. 19/day*
  • Coverage for COVID-19 treatment
Health Insurance
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Enter Your Name

Mobile Number


Health Insurance

Insurance that shields you financially during medical situations.

Health Insurance provides financial coverage to you and your family against medical expenses incurred due to an accident, minor injury, illness, or critical disease. A health insurance policy and the sum insured help you deal with such unexpected crises without having to worry about the treatment cost.

Health insurance Scheme comes with benefits like cashless treatment, coverage for pre and post-hospitalization expenses, ambulance cover, etc. that make sure to look after your health care needs without any issues.

Continue reading to know more about what is Health Insurance & its benefits:

Why Is Health Insurance Important?

Medical insurance plans play an integral role in today's life that is vulnerable to various lifestyle health problems and other diseases. These days, quality healthcare treatment is expensive. A decent hospital has the potential to finish up your savings in a few days. With a Health Insurance plan, instead of worrying about the hospital bills, you can invest your entire energy in the recovery. Read below the main reasons why do you need medical insurance:

  • To fight inflation in the healthcare sector
  • To access quality treatment from top hospitals
  • To avail of cashless hospitalization facilities
  • Get various healthcare services such as free or discounted health checkups
  • To access specialized treatment, second medical opinion, etc.

Let's understand the importance of having health insurance through an example.

There are two friends Vinay and Aman. In the mid of 2019, Vinay decided to buy a health insurance policy and even told Aman to buy one for him and his family. However, Aman denied the idea and thought it was a waste of money.

At the start of 2020, the outbreak of Coronavirus affected many people, and Vinay and Aman were one of them. They both lost their jobs and had to get hospitalized for treatment.

Thanks to the Mediclaim Policy bought by Vinay, his insurance company paid for all the expenses, whereas Aman had to pay from his pocket, draining all his savings in the end.

Therefore, to secure your family and finances at a time of medical emergency, you need to have a Medical Insurance Policy.

Health Insurance Plans: A Quick Comparison

Health Insurance companies in India provide numerous medical insurance policies with regard to the needs of an individual as well as families. Let us compare health insurance policies to understand their advantages in detail.

Comprehensive Health Insurance Plans

A comprehensive health plan for individuals and families, offering a wide range of sum insured options ranging from 3 Lakhs to 6 Crores along with global coverage benefit.

Unique Benefits

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatments

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health Checkup for Claim-Free Years.
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Protect your entire family with smart features that provide you with everything you need under a health insurance plan.

Unique Features

  • No room rent capping
  • 20% increase in SI as no-claim bonus
  • 100% SI restoration

This plan is a comprehensive health insurance solution for your illness as well as wellness.

Unique Features

  • Worldwide Emergency Cover
  • Restoration of Sum Insured
  • Cumulative Bonus for No Claims

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

This is a plan that provides comprehensive range of sum insured from Rs. 200K to Rs. 2cr.

Unique Features

  • Health Coach
  • Unlimited Reload of SI
  • 30% Return of Premium

Offers 360-degrees protection to individuals & families along with utmost flexibility by providing multiple SI options (3-75l), EMI facilities, and lifelong entry option.

Unique Features

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts, recovery benefits

Specialized Health Insurance Plans

A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*

Unique Features

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.

Unique Features

  • Daily hospital cash
  • Accident care available
  • Lifelong renewability

HDFC ERGO Critical Illness Policy

An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.

Unique Features

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.

Unique Benefits

  • No pre-policy Medical Checkup
  • Lifelong Renewability
  • Automatic SI Recharge

Newly Launched Health Insurance Plans

A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.

Unique Benefits

  • Covers IVF treatment
  • Compassionate travel coverage
  • Unlimited e-consultation

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakhs to 1 crore) and keeps giving you more benefits.

Unique Features

  • Covers up to 6 members
  • Unlimited SI restoration
  • Coverage for modern treatment

Active Health Essential

This is a plan that provides coverage for Covid-19 hospitalization and chronic diseases

Unique Features

  • Chronic Management Program
  • 586 Day Care Treatment
  • Worldwide Emergency Assistance

This plan comes with standard health insurance & value added covers for your complete protection.

Unique Features

  • Domiciliary Treatment
  • Maternity Expenses
  • Infant Expenses, 1st Yr Vaccinations

This plan offers comprehensive coverage with benefits such as Health & Wellness benefits, Annual Health Check-up, and many more.

Unique Features

  • All Day care procedures Covered
  • Restoration of Sum Insured
  • Ayush Treatment

This plan helps you to get the best treatment possible.

Unique Features

  • Cover 142 Day Care Expenses
  • Domiciliary Treatment
  • Ambulance Expenses

Looking for more medical insurance plans? PolicyX has a complete list of the Best health insurance plans for you.

How To Choose an Ideal Health Insurance Plan?

Health needs vary from person to person, and what may be best for one may not suit the other. However, to meet your ever-changing requirements, you need to be vigilant while selecting your ideal health plan.

At, we have listed down a few steps that may help you to choose a perfect health plan for yourself and your family.

  • Step 1: Choose your Ideal Health Insurance Company:
    Go with a company that offers cashless facility, has good customer service, comes with a decent market share and offers a wide range of health products that will cater to the different needs of customers.
  • Step 2: Evaluate your Needs and Requirements:
    Once you have chosen your ideal company, evaluate your family's health needs thoroughly, and decide the type of plan you want to buy. For example, if you have a nuclear family (yourself, wife and a kid), a family floater plan with Rs.5-10 Lakhs coverage will be enough (generally speaking). However, if you want to cover your parents (above 60 years) under health insurance, senior citizen plans will be a good option.
  • Step 3: Compare Coverage and Premiums:
    After you have shortlisted a few plans on the basis of your needs and requirements, just compare their benefits with each other. Ideally, it's recommended to go with a plan that offers maximum benefits (including decent coverage) and doesn't hurt your wallet.

Health Insurance Premium

Medical insurance premium depends on various factors:

  • The number of members covered under a single policy
  • The age of the eldest member
  • Sum Insured
  • Types of features chosen in a plan

Get an approximation of medical insurance premiums based on different age groups and Sum Insured.

If you are 26 years old, Click Here

AGE 26

Sum Insured1 Adult2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium

If you are 36 years old, Click Here

AGE 36

Sum Insured1 Adult2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium

If you are 46 years old, Click Here

AGE 46

Sum Insured1 Adult2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium

If you are 56 years old, Click Here

AGE 56

Sum Insured1 Adult2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium

Check Your Premium

Types of Health Insurance Plans

6 health insurance plans suitable for the different needs of different customers.

Family Floater Health Plan

Covers all the family members (you, your spouse, children, and parents) in a single policy

Family Floater Health Plan

Critical Illness Health Plan

Provides financial coverage to the insured in case he/she is diagnosed with a listed critical illness/disease.

Critical Illness Health Plan

Top-up Health Plan

Provides extra coverage if your existing health plan is not enough to meet the medical bills.

Top-up Health Plan

Senior Citizen Health Plan

Offers quality healthcare treatment such as domiciliary hospitalization and psychiatric care to people who are above 60 years of age.

Senior Citizen Health Plan

Individual Health Insurance

Provides coverage only to an individual and covers medical expenses such as hospitalization for injuries and illnesses, surgery costs, room rent, daycare procedures, and more.

Individual Health Insurance

Personal Accident Insurance

Covers the medical expense that occurred due to an accident while providing coverage to the policyholder in case of partial disability, permanent disability, and accidental death

Personal Accidental Insurance

Benefits of Health Insurance in India

Having dedicated Health Insurance plans for you and your family not just protects you from unannounced medical emergencies, but also comes with several benefits. The benefits one can avail of by having Health Insurance are countless. Explore the major advantages of having an effective medical insurance policy.

Cashless Treatment

No cash payments are required to settle medical bills. Your insurance provider will pay the cost of your medical treatment when hospitalized in a network hospital.

Pre & Post Hospitalization Expenses

Any medical expenses incurred before and after the hospitalization will be covered by the sum insured under your health insurance policy.

Tax Benefits

Health Insurance offers tax benefits under section 80D of the Income Tax Act, 1961.

No Claim Bonus (NCB)

The policyholder gets the extended coverage amount for not making any claim in a policy year.

Free Health Check-Ups

Insurance companies offer free health checkups, motivating the policyholder to maintain a healthy lifestyle.

Domiciliary Hospitalization

Covers medical expenses generated while receiving medical treatment at your home if you are unable to reach a hospital for a justifiable reason

Lifetime Renewability

Get your policy renewed for a lifetime without any restriction on the age limit.

AYUSH Treatment

Coverage for the expense related to Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH) treatments

Restoration of Sum Insured

Allows you to refill your sum insured in case it is exhausted in a policy year.

Health Insurance Riders

Health Insurance Riders allow the policyholder to enhance the basic coverage of their chosen Health Insurance plans. Health Insurance in India allows the policyholder to customize their plan as per their and their family's healthcare needs.

Read below the list of health riders available under the Health Insurance Plans:

Add-on CoversWhat is Covered?
Maternity CoverExpenses related to pregnancy, childbirth, and the vaccination of newborn babies
Personal Accident CoverExpenses of accidental injuries including disability, death, etc.
Reduction in Waiting Period CoverReduces the waiting period for Pre-Existing Diseases
Room-rent CoverFlexibility to increase your policy's sub-limit for hospital room rents or opt for no sub-limit at all
Hospital Daily Cash CoverProvides a daily cash allowance to the insured to take care of additional expenses such as food, travel, etc. while he/she is in the hospital
Air Ambulance CoverAir ambulance cost generated for shifting the insured in case of a medical emergency
Zone Upgrade CoverOffers additional financial coverage based on the zone in which the insured is hospitalized

Health Insurance Exclusions List

Every Health Insurance Plans come with a certain list of illnesses or treatments that are not covered by them. These exclusions may vary from company to company. As per IRDAI, some common diseases or medical conditions that are not covered under health insurance plans are:

  • Pre-existing diseases (PEDs), however, some companies cover PEDs after a waiting period
  • Eyes and Dental care, but some new plans have started covering them
  • Suicidal injuries or intentional self-injuries
  • STDs like HIV
  • Health issues that arise due to the consumption of alcohol or drugs
  • Health issues or injuries caused due to war, act of war, nuclear, chemical, or biological weapons

**To know all the exclusions of your plan, refer to the product brochure or directly get in touch with your respective insurer.

How much Coverage do I Need?

Choosing an ideal Health Insurance plan among all the available plans is itself a quite difficult task. But once you choose a plan suiting your requirements, you need to evaluate the coverage you need

It is imperative for you to choose the amount that provides you with more coverage and financial security. Do not forget to compare the health insurance plans.

In the below section, we have shown some of the pointers that will help you to figure out how much health insurance you'll need to protect yourself and your family:

Decide who all should be insured in a single health insurance plan.

We would recommend buying plans for your immediate family and a separate plan for your parents as:

  • A medical policy generally covers up to 2 adults and 4 children up to the age of 18**.
  • Your parents' needs are quite different from yours in terms of Sum Insured, medical history, pre-existing conditions, requirements of co-payment, etc.

**For some companies children up to the age of 21 can be covered under a policy

Below are the recommendations of minimum covers you may require based on your age and city of treatment.

Health Insurance Coverage (Metro)

MetroAbove 3510 Lacs
MetroBelow 355 lacs

Health Insurance Coverage (Non - Metro)

Non - MetroAbove 357.5 Lacs
Non - MetroBelow 355 lacs

Why Buy Health Insurance Online?

Below-mentioned are the benefits of buying a Mediclaim insurance plan online:

  • Time-Saving By opting for buying a Health Insurance scheme online, you may save a lot of time by not having to talk with an insurance representative in person. Rather, you can easily get the quotes for plans immediately via the internet in a fraction of the time. As a result, the selection you make online is not influenced by the agents.
  • Easy to Compare It is considerably easier to compare all the available Medical Insurance in India online than it is to do so on paper. All insurers, in general, give thorough information on their websites. For more convenience, you can turn to and can compare all the Health Insurance Plans in India on one platform.
  • 24*7 Availability Unlike Insurance agents, the digital world is not time-bound, which means that you can seek any information on your mediclaim insurance anytime round the clock.
  • DiscountsBuying your policy online will help you to avail of similar or better benefits at a lower premium, as many Health Insurance providers offer several discounts when you buy health insurance online, from their website.
  • Helps in Making an Informed DecisionAll necessary information, such as health insurance benefits, policy quotations, exclusions, terms and conditions, and so on, is easily available online, making it much easier to compare different health insurance policies. Having all the information in front of you helps you in making the right decision.

With offers a simple process to buy online health insurance in just 4 easy steps and you are all good to have online health insurance.

  • Go to the top of this page, and fill in the form 'Get Quotes from Top Insurers'.
  • Compare quotes from different insurers.
  • Choose your preferred plan and proceed to buy.
  • Pay the premium online and the policy will be shared at your email address.

Documents Required to Buy Health Insurance Online

New Insurance PolicyPort Insurance PolicyRenew Insurance Policy
1. Duly-filled policy form
2. Medical history of pre-existing diseases
1. Address and ID proof
2. Medical history of pre-existing diseases
3. Previous policy documents
1. Existing policy number
2. Medical history of pre-existing diseases

**Document requirement may vary from insurer to insurer

Claim Settlement Process in Health Insurance

Health insurance companies offer 2 types of claim settlement processes to choose from at your convenience. Read along to explore what is Health insurance claim settlement process:

Planned Hospitalization

  • Informed the insurer before 48 to 72 hours of hospitalization
  • The insurance company to provide a confirmation letter
  • Submit your health card and confirmation letter
  • The insurer will settle the medical bills directly with the hospital

Emergency Hospitalization

  • Informed the insurer within 24 hours of hospitalization
  • Fill and submit the cashless claim form
  • Submit other necessary documents
  • The insurer will send an authorization letter to the hospital
  • The insurer will settle the medical bills directly with the hospital

Reimbursement Claim Process

  • Intimate the company within the designated timeline
  • Collect original discharge summary and medical bills and submit with the claim form
  • Fill and submit the claim form along with ID proof (Voted ID/Aadhaar Card/PAN Card) and canceled cheque
  • The insurance company will evaluate the documents.
  • The insurance company will initiate the reimbursement proces.

Trouble connecting with an insurance company?

Contact PolicyX.comCall at our toll-free number 1800-4200-269Email:

We are happy to help.

Why Choose

Certified by IRDAI, is a one-stop-shop for all your insurance-related needs.

  • IRDAI Approved The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. follows all the guidelines and protocols approved by the IRDAI.
  • Free Comparison Service With, you can easily compare the best Health Plans in India without paying the extra amount.
  • Compare 15 Companies in 30 SecondsWith us, you can compare up to 15 companies in just a few seconds.
  • Buy Insurance withing 5 minsWith, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any troubles.
  • 24*7 Customer ServiceThe experts of are always available to resolve any of your insurance-related queries.
  • Free Future Claim AssistanceOur team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
Why Choose PolicyX.Com

Health Insurance News

19 May

AXA set to launch India\'s first mental health insurance cover

AXA France India is looking forward to launching India's first-ever mental health insurance cover in its group policies with its Indian insurance partners. 

The insurance plan dedicated to mental health solely will provide INR 25,000 for consultation with therapists, psychologists, and life coaches, among others through virtual mode, and up to Rs 1 lakh for hospitalization. The cover is also set to provide free mental health assessment tests as recommended by the World Health Organization (WHO). 



16 May

PNB Metlife launches Dental Care Plan with dental OPD benefits

PNB Metlife has launched the first dental insurance plan in India covering fixed-benefit outpatient expenses and providing coverage for costs related to overall dental health. 

A one-of-a-kind, standalone dental health insurance plan, it covers major dental procedures without the hassles of hospitalization.  



12 May

Fear of Covid Boosts Health Insurance Market by 34% in FY22

The fear of ill health, critical illnesses, and most importantly Covid has proven to be a boon for the health insurance industry. The health insurance market collected a total premium of Rs 73,300 crore during 2021-22 according to the National Insurance Academy, Pune, and Insurance Foundation of India, New Delhi. 

09 May

Covid outbreak leads to more insurance purchases in tier-2 and 3 cities

A survey from Livemint shows an upward trend in the purchase of insurance products in tier 2 and 3 cities as opposed to tier 1. According to the reports, 89% of respondents, the highest amongst the 3 tiers belong to tier-2 cities. Whereas, only 77% from tier 1 are willing to renew their health cover. Term insurance also showed similar trends where 59% of respondents willing to increase coverage belong to tier 3 cities, as compared to 26% from tier 1. 

06 May

TATA AIG General Insurance launches TATA AIG Criti-Medicare health policy for critical illnesses

TATA AIG has launched a health insurance plan under the name of TATA AIG Criti-Medicare Health Policy. The policy is comprised of 2 plans with some unique features. The two plans; Smart Century Premier Plan and Smart Half Century Plan fall under the policy that cover 100 and 50 critical illnesses respectively. The policy comes with a DIY option enabling the policyholder to customize a plan for themselves. 

The policy also claims to guarantee the 3 times of sum assured and a 70% waiver of premium in case of any critical illness. The most wholesome feature of the policy is Cancer 360 Degrees Indemnity Cover which covers present and future advanced treatment, hotel accommodation, transportation expenses, palliative care, psychiatric counselling sessions and much more. 

Health Insurance FAQs

Before buying a health insurance plan, you must run into some questions in your head and wonder what's their solution? Don't worry! is here to solve them. Let's go through some common queries:

1. What is the average cost of health insurance in India?

In India, the insurance providers use factors like age, health condition, coverage and number of individuals to be covered to determine the premium of a health plan. Let's take the help of an example for better understanding.

At the age of 25, if you want to purchase an individual health plan of the sum insured (Rs.10 lakhs), your premium amount will be Rs.608/month. Whereas, if you want to purchase an individual health plan of the sum insured (Rs.10 lakhs) at the age of 50 with smoking habits, your premium amount will be Rs.1831/month.

If you want to opt for a higher sum insured or require a family floater plan, take the help of our health insurance premium calculator to know the correct amount.

Note -The premium values keep on changing. Please check the amount first before investing in a plan.

2. Does smoking affect health insurance premiums?

If you are a smoker, you will end up paying higher premiums as you are subjected to greater medical risks.

3. If I want to use and claim health insurance immediately, is it possible?

Most companies allow you to avail health insurance after a certain waiting period. You must check your policy document for the same.

4. Is there any waiting period applicable to the coronavirus health insurance plan?

Yes, Coronavirus health insurance comes out with a waiting period of 15 to 30 days from the date of commencement of the policy. Hence, it is advisable to check with your insurance company regarding any initial waiting period. Moreover, if you already have a regular health insurance plan, then you don't have to serve any waiting period under the same.

5. Do insurance companies cover pre-existing diseases?

It varies from insurer to insurer. Some companies do not provide cover for pre-existing diseases, while others cover the same after a waiting period of 4 years (this may vary as per the company).

6. My age is 25 years, should I buy health insurance now?

It is important to buy health insurance at an early stage of life. The early you invest, the better coverage you get, and the less premium you have to pay.

7. Is it necessary to buy health insurance in India?

A health insurance plan safeguards your finances against the future mighty medical expenses. It is necessary but not mandatory to buy health insurance in India.

8. Can I claim health insurance multiple times under the fixed tenure of 1 year?

Yes, there's no limit to the number of claims in a single year unless there is a specific cap laid down in the policy.

9. How many insurance companies provide a vast network of hospitals for cashless hospital facilities?

In India, all 24 IRDA registered insurers provide a vast network of hospitals in their health insurance plans. However, before purchasing a health insurance plan from any life insurance company it is important to cross-check their network hospitals and cashless hospital services. Insurance experts like PolicyX can help you chalk out the best picks.

10. If I forgot to renew the policy on time, will the company deny to renew it later?

Most insurance companies will not deny the renewal within the grace period, which is usually of 15-30 days from the date of expiry of the policy. However, you will not be entitled to any coverage for the period during which the insurance company did not receive any premium. Also, the policy would lapse if the premium is not paid within the grace period.

11. How does insurance help in health check-up facilities?

Some insurance companies promise to reimburse general health checkup expenses once every 4 years. But it can vary from insurer to insurer. You need to check for the same with your respective insurer.

12. Does health insurance policy offer coverage to diabetes patients?

health insurance provides cover to diabetes patients and related complications. However, it may vary from insurer to insurer. Most of the companies provide the same after a waiting period of 4 years.

13. Does health insurance in India cover any kind of diagnostic charges like MRI, X-Ray or any other body scans?

Yes, health insurance covers the medical tests and scans for the inpatient treatment, i.e., during hospitalization for at least 24 hours.

14. What's the waiting period and sum insured for maternity insurance in India?

A waiting period of 48 months applies to avail of maternity insurance benefits. A cover of Rs. 25,000 in cesarean delivery and Rs. 15,000 is usually provided in a maternity benefit of health insurance plans.

15. What factors affect the premium payable for a health insurance policy?

Age is the biggest factor that determines the premium payable. The older you are, the higher is your premium, as you'll be more prone to illness. Your medical history is another factor that will go into determining the premium. If you don't have any medical history, the premium would be naturally lower. You are also eligible for a discount on the future premium payable if you have not claimed in the previous years.

16. What is GST and how does it impact health insurance?

Goods and Services Tax (GST) - implemented in 2017 - is an indirect tax levied on the sale of goods and services in India. It has replaced many indirect taxes imposed on goods and services by the State and Central Government. Before the new tax regime, the service tax rate applicable to health insurance was 15%. However, with the implementation of GST, the tax rate has been raised by 3% placing health insurance in the 18% tax bracket.

17. Does Health Insurance Plan Covers Ayurveda & Other Treatments?

Nowadays, many health insurers have started offering AYUSH Benefit to their policyholder, that covers Ayurvedic Homeopathic, Unani and Siddha treatment. By availing of this benefit, one can get their inpatient Ayurvedic, Yoga and Naturopathy, Unani, Siddha and Homeopathy treatment reimbursed by the health insurer.

18. When should I consider buying a Critical Illness Health Insurance?

Critical Illness Health Plans is a typeof health insurance that protects your hard-earned money in case you are diagnosed with a critical illness such as Cancer, Kidney Failure etc. Buying this ensures that your treatment expenses will be taken care of. One should consider buying this plan if they have a family history of such illness, or if they think that habits or lifestyle may make you vulnerable to such disease. For example, if you are a chain smoker, there are 90% of you being vulnerable to lung cancer.

19. I am already getting Health Insurance from my office? Do I still need to buy another health policy?

It's good if you are getting health insurance from your company. But what if you decided to switch the job? You will lose all the benefits. Hence, chances are that you will need to pay a higher premium for your new policy because of your growing age. Therefore, to be on the safer side, you can buy a separate health plan that will ensure your and your family's healthcare needs are looked after even if you no longer have your company's health policy.

20. Can I buy Health Insurance for my parents if I am not earning, because my parents are not literate enough to understand the insurance plans and documentation?

Yes, the premium can be paid by any earning member of the family. Documents should be submitted by that member only.

21. Can I have multiple Health insurance at times?

Yes, policyholders can have multiple health insurance and can claim from multiple insurance for the same expense. If one cover is not enough then they can use the other cover.

22. Does Health insurance also cover the consultation fee?

Yes, But it can vary from plan to plan.

23. How is the policy premium determined?

Age and gender of the eldest member of the family, city, are the primary pricing factors. With the help of actuarial statistics, these determine your life expectancy. The benefit and Sum Insured you need are the next greatest factor.

24. Will the policy help me to save money if I am healthy and not claiming the assured amount?

No, it can not be your saving.

25. If I am interested in alternative therapies, how does health insurance work?

It varies from plan to plan

26. Does Health insurance cover Mental health treatment?

Yes. But it varies from plan to plan

27. What is the process of updating the nominee, address, phone number and any other information in my policy documents?

You can update at the time of renewal of your plan. Also , if required you can update the nominee, address, phone number by endorsement, or by sending Email to insurer

28. What all factors need to consider while choosing Health insurance plan?

You should consider the claim process, family health insurance, selecting the correct Sum Insured, network hospitals, maternity benefits, pre and post hospitalization, renewal, free medical check ups.

29. Can I use the Health Insurance Portability feature as an insurance policy holder?

You can transfer your existing health insurance policy to another company using the health insurance portability feature. However, portability is possible only at the time of existing policy renewal.

What Our Customers Have to Say

Customer Review Image

jasvinder singh


March 25, 2022

very nice service by and as well from manipal cigna during the claim period. easy claim settelment.

Customer Review Image

samarth wadhwa


March 14, 2022

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...

Customer Review Image

nimrat sondhi


March 14, 2022

my father is a single parent. The way he has taken care of me during my childhood, I wanted to support him after my marriage so that he is never alone, especially during medical emergencies. I ...

Customer Review Image

kuljeet singh


March 14, 2022

very good company with good plans. They always reply to my and my wife queries related to our old diseases and new doctor consultations. they OPD plan is very helpful.

Customer Review Image

simaranjeet kaur


March 14, 2022

My father in law lives alone in jalandhar and we wanted an insurance company that take cares of him in our absence. They are very good with their commitment and service.

Customer Review Image



February 24, 2022

Me and my husband met with accident and got injured during night. we admitted to the non-network hospital but the company paid reimbursement for our medical bills on time.

Customer Review Image

rachana singh


February 24, 2022

I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment

Customer Review Image



February 21, 2022

Staff is really polite and good and educated not like other insurance companies. Dont disturb with so many calls and available at the time of help

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.