Compare 30+ health insurers and 100+ plans across India. Save tax under Section 80D, enjoy cashless treatment at 10,000+ network hospitals, and get a free expert advisor — all in one place.
A plain-English read on what health insurance covers and why it matters.
Health insurance is a contract between you and an insurer: you pay an annual premium, and the insurer pays your medical bills up to a defined sum insured if you fall ill or are hospitalised. In India, regulated insurers offer policies covering hospitalisation, day-care procedures, pre- and post-hospitalisation expenses, ambulance charges and a growing list of modern treatments such as robotic surgery and AYUSH.
The right policy protects your savings from a single medical emergency wiping them out — a ₹10-lakh hospital bill is no longer rare in urban India. It also gives you access to cashless treatment at thousands of partner hospitals, so you don't pay anything at admission. Buying online lets you compare quotes side-by-side, lock in your premium at today's age, and get your policy delivered to your inbox in minutes.
Six numbers that explain why waiting is the most expensive option.
One hospitalisation can cost ₹3–10 lakh. Insurance moves that risk off your balance sheet for a few hundred rupees a month.
Healthcare costs in India rise 12–15% every year — far faster than salaries. A policy bought today locks in coverage at tomorrow's prices.
Network hospitals settle bills directly with the insurer, so you walk in for treatment without paying upfront or chasing reimbursements.
Premiums qualify for deduction up to ₹1,00,000 a year under Section 80D — for yourself, your spouse, children and parents.
A family floater extends one sum insured across spouse, children and parents, so a single emergency doesn't derail multiple budgets.
Knowing a hospital admission is covered turns a medical crisis into a logistics problem instead of a financial one.
Four core shapes of policy in India — pick the one that fits your situation.
One person, one sum insured — best for young, single buyers who want maximum cover at the lowest premium. Compare individual plans
Compare plans →One policy, one sum insured, multiple lives. Spouse, children and parents share a single cover — usually cheaper than buying separate individual policies. Compare family plans
Compare plans →Tailored for 60+ buyers — higher entry-age limits, simpler underwriting and pre-existing-disease covers from year one or two. Compare senior plans
Compare plans →Pays a lump sum on diagnosis of a listed illness (cancer, heart attack, stroke, kidney failure). Stacks on top of a regular Mediclaim policy. Compare critical illness plans
Compare plans →Two categories worth surfacing separately from the standard four.
Maternity, infertility treatment, breast-cancer cover and reconstructive surgery — features designed around women's healthcare needs. Often comes with shorter waiting periods than standard plans.
Policies that cover children and adults with autism, Down syndrome, cerebral palsy or hearing/vision impairment — including therapy, devices and home care.
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A starting point — compare side-by-side or talk to an advisor.
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HDFC ERGO Optima Lite Health Insurance Plan is an affordable health insurance policy that provides necessary health insurance coverage to i…
Galaxy Twin 360 combines in-patient hospitalisation (IPD) cover with out-patient (OPD) and wellness benefits, aiming to make health insuran…
The SBI General Health Alpha health insurance plan is highly flexible and can be tailored to your needs. You start with a base of Hospitali…
The Niva Bupa ReAssure 3.0 health plan has made it easier than ever to guarantee lifetime protection for you and your family, with a covera…
The Niva Bupa Rise Plan introduces a new era of health insurance, combining essential coverage with unique advantages. Specifically designe…
Public schemes that complement (or substitute) a private policy.
India's flagship national scheme. Up to ₹5 lakh per family per year for secondary and tertiary hospitalisation, free at 25,000+ empanelled hospitals. Targets families below the poverty line identified via SECC 2011.
State-level scheme for low-income families in Gujarat. Up to ₹3 lakh per family per year for serious illnesses including cancer, heart, kidney and trauma care at empanelled hospitals.
Free cashless treatment up to ₹5 lakh per family for 2,400+ listed procedures at 1,300+ empanelled hospitals in Andhra Pradesh. Targets families below the income threshold.
Who can buy a Mediclaim / health insurance policy in India.
What a good health policy delivers — across nearly every insurer in India.
Six reasons online beats walking into a branch with paper forms.
Compare every major insurer's premium, sum insured, claim ratio, network and waiting periods in one view — no commission-driven recommendations.
Buy in under 15 minutes — KYC is done via Aadhaar OTP and the policy is emailed to you the same day.
No physical proposal form, no in-person medical test for most age bands, no waiting for a courier — everything happens in your browser.
Online premiums are 5–15% lower than offline because the insurer doesn't pay agent commissions. The savings come straight to you.
A licensed PolicyX advisor talks you through plan selection, claim history check and exclusions — at no extra cost.
Renew the policy, edit nominee details, add a rider, raise a claim and download tax certificates from your PolicyX dashboard.
Health-insurance premium qualifies for deduction under Section 80D of the Income Tax Act.
What a typical health policy pays for, and what it doesn't.
Optional covers you can bolt onto a base policy for extra protection.
Covers normal and caesarean delivery, new-born baby and vaccination costs for the first year — after a 2–4 year waiting period.
Pays for doctor consultations, diagnostic tests and pharmacy bills that don't need hospitalisation — usually capped at a yearly limit.
Lump-sum payout on accidental death or permanent disability, on top of the medical cover. Includes loss of income for total disability.
Lump sum on diagnosis of a listed illness (cancer, heart attack, stroke, kidney failure) — separate from the hospitalisation cover.
Pays a fixed daily amount for each day of hospitalisation, on top of expense reimbursement — useful for incidentals.
Removes the cap on per-day room rent so you can pick a private room without proportionate deduction across the entire bill.
Five inputs, one live comparison across every major insurer.
Eight variables every insurer plugs into the same actuarial table.
What to look at, beyond the headline premium.
The biggest misconceptions about Indian health insurance — debunked.
Two ways to claim — cashless (faster, no out-of-pocket) and reimbursement (any hospital).
Your insurer-issued card — the key that unlocks cashless treatment at admission.
From comparison to policy delivery — five steps, fifteen minutes.
The terms you'll see in every policy document — translated.
The 18 most-asked questions about health insurance in India.
Fresh guides from PolicyX editors.
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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