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Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
Chief Marketing Officer
Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.
Chief Marketing Officer
Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.
Choosing the right health insurance is crucial, especially with medical costs going up every year. Government statistics reveal that a significant 83.7% of Indians use their own household income or savings to cover hospital bills, and more than 12% depend on loans or financial assistance from family and friends to manage these costs.
In India, these costs can jump by 12-14% annually. That's why it's important to think about health insurance policy as something you'll need for a long time, about 30-35 years, to make sure you're covered no matter what happens down the road.
In this article, you will discover the importance of health insurance and how Digit Insurance can help you meet the rising healthcare costs for yourself and your family. Think of it like that one friend who you know will always be there for you whenever you’re sick or even just feeling low.
Health insurance serves as a financial safety net, helping individuals and families cover their medical expenses. When a person purchases a health insurance policy, they pay a premium to the insurance company in exchange for coverage of hospitalisation, treatments, surgeries, and other medical expenses, depending on the policy terms. Let’s take the example of Rahul to better understand on how a health insurance policy works
Choose a Plan
Rahul selects a health insurance policy with ₹10 lakh coverage for himself.
Paying the Premium
Rahul pays a regular premium to keep the health insurance policy active.
Coverage and Benefits
The insurance covers hospitalisation expenses, doctor consultations, medicines, etc.
Medical Emergency
Rahul faces a medical emergency and needs hospitalisation.
Claim Process
Rahul informed the insurance company and submitted the required documents.
Renewal & Future Security
Rahul renews the policy every year to ensure continuous protection for his family.
If you believe that, read on.
Here's why more and more people are opting for Health Insurance in India:
Who doesn’t want additional tax savings, right? According to Section 80D of the Income Tax, anyone who buys a health Insurance for themselves, or their parents can claim tax benefits on the annual premium!
Contrary to popular belief, many critical illnesses like cancer and heart diseases are today diagnosed in young people <40. A health Insurance ensures you will be financially covered in the likelihood of the same.
How do you feel when you know that someone will always have your back during unfortunate situations? Relived, right? With regards to your health too- you can count on a health Insurance to have your back in times of need.
More than anything else, a health Insurance is a smart investment to make that not only helps safeguard your health by always being there you financially but, also helps you with benefits like no claim bonuses which are an ultimate win-win for the long run!
According to the National Family Health Survey-3, 70% of urban and 63% of rural households depend upon private hospitals, where the cost of healthcare services is usually much higher than that of government-owned medical facilities. Thus, middle and upper-class individuals are more likely to seek services in a private hospital.
Imagine that because of some reason, you or a family member need treatment but don’t have enough funds for it so you put it off for some time. Health Insurance is important in such cases as it prevents this from happening and ensures you get your required treatments done on time.
Shubham Sinha
Deputy Product Manager
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
This covers for all hospitalization expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured.
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
Digit Special
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
Digit Special
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
Digit Special
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
Get reimbursed for the expenses of road ambulance, in case you are hospitalized.
This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.
Other Features
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 2 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
Digit Special
Your organ donor gets covered in your policy. We also take care of the pre and post hospitalization expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalization for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalized for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
Before, during & after hospitalization, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
Add flexibility to your health insurance with add-ons. Digit offers the below exclusive add-ons to provide you with additional layers of protection beyond the basic coverage of your policy.
Pre-natal and post-natal medical expenses, unless it leads to hospitalization.
In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.
Any condition you get hospitalized for, that doesn’t match with the doctor’s prescription is not covered.
We understand that young people are a lot healthier and are often apprehensive to get a health insurance so early in life. However, getting a health insurance whilst you’re young means you will have cheaper premiums, cross waiting periods faster, can avail maternity benefits when the time comes and even use our OPD cover for minor treatments and injuries that can happen to just about anyone!
When you want to be that guardian angel and not only protect yourself, but your lovely family too. A health insurance for your family can be bought in the form of a family floater plan or an individual health insurance plan for each family member. With our special benefits such as No co-payment, zone based discounts, good health discount and more, our health insurance is perfect for families both big and small.
Whether you’re looking to protect yourself or, your beautiful parents. Our health insurance for senior citizens is dedicated to the senior population. With benefits such as AYUSH treatments, home hospitalization, no room rent capping and hospitalization for coronavirus; our health insurance understands exactly what our parents need.
We understand that fitness enthusiasts are some of the most health conscious people out there. Whilst people like you are less prone to illnesses, buying a health insurance now can reap benefits such as cheaper premiums and tax savings whilst also coming to use in case of common workout injuries through our OPD benefit.
Maybe you already have your corporate medical insurance covering for you. But do you know they’re often really limited? Even if you don’t want to get a standard health insurance like say the Arogya Sanjeevani policy, you can instead opt for a top-up health insurance to cover for amounts over and above your corporate plan. It’s a win-win!
Perhaps you handle human resources for a large company or run a small or medium enterprise of your own. You can buy a health insurance for your employees at an affordable premium which won’t only ensure they’re protected but, also keeps them happier as an employee health insurance is a benefit all employees value!
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key advantages:
|
Co-payment |
No |
|
Room Rent Capping |
No |
|
Cashless Hospitals |
9000+ Network Hospitals across India |
|
Inbuilt Personal Accident Cover |
Yes |
|
Wellness Benefits |
Available from 10+ Wellness Partners |
|
City Based Discount |
Up to 10% Discount |
|
Worldwide Coverage |
Yes* |
|
Good Health Discount |
Up to 5% Discount |
|
Consumables Cover |
Available as an Add-on |
With your Digit Health Insurance, you also get exclusive access to a wide range of wellness perks, making taking care of yourself easier and more affordable:
Get expert medical advice anytime, anywhere.
Consult the best and most trusted therapists at affordable rates, with up to 50% off
Stay ahead of health concerns with affordable screenings and lab tests.
Speak to top specialists in Mental Health, Women’s Health, Diet & Nutrition, and more, at flat 50%!
Pregnancy Care Programs, access to Mum Support Group, PCOS/PCOD Care Programs, Maternity Support and much more!
Stress and Pain relief covered with exclusive discounts on Physiotherapy consultation and session bookings.
Avail unlimited, free dental consultations and exclusive discounts on dental treatments.
Get flat 15% discount on Sexual Wellness Programs!
Personalized assistance for long-term health conditions.
You also get access to monthly health sessions and wellness workshops through our WOW-12 campaign, which empowers you with the knowledge and resources to make healthier choices every day.
Watch the video below to experience our world of Wellness, curated just for You!
4.7/5
(250K + Customer Ratings)
4.9/5
4.7/5
23 Feb 2025
Satya ch.
04 Jan 2025
मैं अपनी निजी अनुभव पर बता रहा हूं कि भारत की सबसे अच्छी हेल्थ इंश्योरेंस की कंपनी डिजिट इंश्योरेंस है मात्र एक सप्ताह में मुझे बिना किसी परेशानी के मुझे इस कंपनी ने क्लेम की राशि दे दी मे डिजिट कंपनी का हृदय से आभार व्यक्त करता हूं
प्रभाकर श्रीवास्तव
25 Feb 2025
Siddhartha Mudgala
18 Aug 2024
Jaimin Chauhan
14 Nov 2024
Anand Patel
09 Dec 2024
MKS
08 Oct 2024
Gaurav Hire
Buying a health insurance policy online is the same as booking a movie ticket. 🤩 With just a few clicks, you can compare different plans, customise your coverage, and secure your finances. For example, if you are planning to buy Digit’s Comprehensive Health Insurance Plan, follow these simple steps to get insured:
Visit Digit’s Website or App
Visit Digit Health Insurance and go to the health insurance section and enter your phone number & PIN.
Enter Basic Details
Share information like age, family members to be covered, and any medical history or pre-existing disease.
Choose Your Plan
Select your coverage amount and add any rider if needed. Proceed and fill in additional details.
Make Payment
Complete the KYC & payment. Done! Your policy will be sent via email or WhatsApp or accessible on the Digit app.
When purchasing a health insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that can be needed at the time of purchasing a policy:
Identity Proof
✔ Aadhaar Card
✔ PAN Card
✔ Passport
✔ Voter ID
✔ Driving License
Address Proof
Age Proof (Any One)
✔ Birth Certificate
✔ Aadhaar Card
✔ Passport
✔ School Leaving Certificate
Income Proof
Previous Medical Reports (If any)
KYC Documents
✔ PAN Card (for financial verification)
✔ Aadhaar Card (for identity and address verification)
✔ Photograph and bank details (optional)
After purchasing a health insurance policy, it is essential to download and keep a copy for future reference. With us, you do not need to carry hard copies of your insurance policy. You can simply download it from our website. 🙂 Follow these simple steps to download your policy document from the Digit website or app:
Login Your Account
Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.
Visit ‘Active Policies’
Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.
Download the Policy
Done! You can save, share, print or email the policy for future reference anytime, anywhere.
Are you new to health insurance and confused about how cashless health insurance claims work? 🤔 Well, at Digit Insurance, the process is simple! The cashless claim is when your health insurance company directly settles the hospital bills on your behalf. Let’s walk you through how the cashless health insurance process works:
Visit a Network Hospital
Choose a hospital partnered with Digit.
Show Insurance Details
Present your health e-card or policy number and request approval.
Receive Treatment
Get treated without paying anything upfront (expect deductibles).
Insurer Pays Directly
Digit will settle the bill directly with the hospital.
Pay Non-Covered Costs
Any exclusions or extra charges must be paid by you.
Get cashless treatment at 9000+ hospitals across India
A reimbursement claim is when you first pay your hospital bills out of your own pocket and later get the amount refunded by your insurance company. This usually happens when you get treated at a non-network hospital or in situations where cashless isn’t possible. Let’s understand how the reimbursement claim process works step by step:
Get Treated at Any Hospital
Choose any hospital (network or non-network) for treatment.
Pay the Bills Yourself
Settle all hospital and medical expenses upfront from your pocket and keep the bills.
Submit a Claim to the Insurer
Fill out the claim form and send it with the required documents.
Insurer Reviews the Claim
Insurer will verify the documents and approve the claim.
Reimbursement Process
Once approved, the insurer transfers the amount to your bank account.
Are you thinking of how to file a health insurance claim? Well, whether it is a planned treatment or an unexpected emergency, your insurance (us) is there to ease the financial burden. Health insurance claims can be filed in two ways: cashless claims and reimbursement claims. Let’s understand how to file a cashless health insurance claim and a reimbursement health insurance claim at Digit:
Get Treated & Save Everything
Visit any hospital, pay the bills upfront, and collect all the necessary documents (bills, reports, prescriptions, discharge summary, etc).
Open the Digit App
Log in on the Digit App. Tap the Support icon (top right corner), select the Health icon, and click on ‘File Health Claim.’ Choose the policy & type of claim you are filing and other details.
Submit all the Documents
Fill out the type of treatment, symptoms, hospital details etc. Scan and submit all the necessary documents in the desired format.
Register Claim & Relax
Click ‘Register Claim.’ We’ll review everything, and once approved, the amount will be reimbursed directly to your bank account.
When filing a health insurance claim, you need to submit certain documents to ensure a smooth and hassle-free process. Remember, not all of these documents may be necessary but your insurance provider may require them. Below is a list of essential documents required while filing a health insurance claim at Digit:
Hospitalisation Documents
✔ Original hospital bills & payment receipts
✔ Detailed discharge summary
✔ All diagnosis reports (lab tests, imaging, etc.)
✔ Doctor’s consultation & prescription copies
✔ Pharmacy and medicine bills
Cashless Documents
✔ Duly filled & signed claim form (Available at the hospital or on Digit’s website/app)
✔ Diagnosis report for confirming the need for hospitalisation
✔ Health E-card
KYC Documents
✔ Aadhaar Card (Identity & address proof)
✔ PAN Card (Financial verification)
✔ Photograph
✔ Bank Details (Passbook or cancelled cheque)
Dr. Pankaj Shahane
VP Health Claims
Before purchasing health insurance, thoroughly read the policy documents. Pay attention to inclusions, exclusions, waiting periods, and sum insured limits. Familiarize yourself with the policy’s terms and conditions. Knowing what’s covered and what’s not, will help you make informed decisions:
Renewing your health insurance on time ensures uninterrupted coverage and continued financial security in medical emergencies. Follow these simple steps to renew your Digit Health Insurance hassle-free:
Log In to Your Account
Visit the Digit website or app, log in using your registered mobile number and navigate to the ‘My Policies’ section.
Review Policy Details
Choose the health insurance policy that needs renewal and review your policy details. Modify if required.
Make Payment
Proceed to pay the renewal premium securely online via UPI, net banking, credit/debit card, etc.
Get Renewal Confirmation
Once payment is successful, you will receive a renewal confirmation and updated policy details via email and WhatsApp.
Choosing the right health insurance plan in 2025 isn’t just about picking the cheapest option; it’s about finding a plan that truly fits your lifestyle, health needs, and future goals. From coverage benefits to claim processes and network hospitals, this guide will help you make an informed choice that protects you today and tomorrow. 😎
To choose the right insurance plan, start by assessing your coverage needs and looking for plans that meet those requirements. Evaluate additional benefits like sum insured restoration, high no-claim bonuses, value-added benefits, and annual health check-ups. Opt for a plan with comprehensive coverage to minimise out-of-pocket expenses.
Premium amount is a crucial factor to consider before choosing a plan. The higher the premium, the better the coverage. You should evaluate your monthly premium, deductible, and out-of-pocket costs and balance affordability with coverage.
Many policies have an initial waiting period in health insurance (usually 30 days) during which you cannot claim benefits for illnesses or treatments. Some policies may have waiting periods for specific conditions (e.g., pre-existing diseases, maternity, or specific surgeries). Consider these when evaluating a plan.
Check if the plan covers expenses incurred before hospitalization such as diagnostic tests or consultations and for post-hospitalization expenses such as follow-up visits, medications, etc.
Look for plans that allow customization. Can you choose your sum insured, add riders (additional coverage), or tailor the plan to your specific needs? Customization ensures flexibility.
Some insurers offer discounts for various reasons, such as family floater policies, long-term policies, or if you maintain a healthy lifestyle (e.g., non-smoker discount). Explore available discounts to optimize your premium.
Research the insurer’s reputation for timely claim settlements. Read reviews and consider the insurer’s responsiveness and support. Higher ratios imply better reliability. A higher claim settlement ratio indicates a greater chance of getting your claim settled easily.
When purchasing a health insurance policy, always confirm whether or not the policy covers the major or closest hospitals to your home. If your favourite hospital or one close to your home is insured, you will always have the benefit of making a cashless claim from the insurance provider in the event of a medical emergency.
One of the most important considerations when choosing a health insurance plan is lifetime renewability, which gives you the flexibility to renew your policy whenever you want. Therefore, while purchasing a health insurance plan, please be sure to enquire about the validity period and whether or not it offers lifelong renewability.
Choosing the right medical insurance plan can be a daunting task. Here are some guidelines to help you choose the right plan in different scenarios:
In this scenario, you should consider a basic health insurance plan with a lower premium. You may not need extensive coverage or high sum insured at this stage, but it is important to have a safety net in case of any unexpected medical emergencies. You can also opt for a plan with a high deductible, which will lower your premium further.
If you already have a corporate health cover, you may not need an extensive individual health insurance plan. However, it is still important to have a backup plan in case you lose your job or change jobs. You can opt for a health insurance plan with the basic as well as other better benefits that might be missing in your corporate policy and hence provides you with coverage when you need it.
In this scenario, you should consider a family floater health insurance plan that covers your spouse and children. Family floater plans are cost-effective and provide comprehensive coverage for your entire family. You can also opt for a plan with maternity benefits if you are planning to have children in the future.
If you are looking to secure your parents' health, you should consider a senior citizen health insurance plan. It provides coverage for medical expenses that are specific to the elderly population, such as age-related illnesses and chronic conditions. Health insurance policy for parents also provides benefits like domiciliary treatment, AYUSH benefits, etc.
If your family has a history of critical illnesses, you should consider a critical illness health insurance plan. Critical illness plans provide coverage for illnesses such as cancer, heart attack, and stroke.
Choosing the right health insurance plan can feel overwhelming, but it’s one of the most important decisions for your well-being and financial future.
With so many options out there, how do you pick the one that truly suits your needs? Let’s simplify it for you!
Start by assessing what you require from your insurance. Next, consider your preferred doctors and hospitals. Then, evaluate the premium, deductible, co-pay, waiting period, coverage, and benefits.
Also, check for additional benefits like maternity cover, wellness programs, or mental health services, which can be valuable as life changes. Finally, always review the terms and conditions carefully to avoid unexpected exclusions.
Remember! The more personalised the plan, the better. Choose wisely! 🙂
Calculate your health insurance premium online in 2 mins. Here’s how!
Step 1
Login to your Digit account by entering your pin code and mobile number.
Step 2
Provide details of your family members, including the age of the eldest, then click "Continue" to customize your plan by choosing your Sum Insured and Plan.
Step 3
Review and apply any available discounts, enter your health habits, choose additional benefits, and complete the contact and member details.
Ever wonder how your health insurance premium is calculated? 🤔 Well, it depends on multiple factors such as your age, lifestyle, location and type of coverage you choose.
To know your premium in minutes, you can always use a health insurance premium calculator online to get quick and accurate estimates. However, let's understand how health insurance premiums vary at Digit based on healthcare costs across different cities, based on two zones.
Zone 1 - Delhi NCR, Greater Hyderabad, and Greater Mumbai.
Zone 2 - Rest of India.
Let's look at a practical example to understand how the premium works for one of our most popular health insurance plan, the 'Infinity Wallet Plan.'
Pritesh, a 35-year-old unmarried individual residing in Bangalore (Zone 2 city), has opted for the 'Infinity Wallet Plan' with a sum insured of ₹10 lakhs.
This table illustrates the starting premium amounts for a ₹10 lakhs sum insured under our Infinity Wallet Plan, varying by age group. The premium increases with age, reflecting the higher risk and potential medical costs associated with older age brackets.
Let’s face it! Hospital bills aren’t what they used to be. With medical costs going up faster, a ₹25 lacs health cover isn’t just nice to have - it’s a smart move!
This kind of coverage acts like a strong umbrella in a medical emergency. It gives you enough room to breathe during serious treatments or long hospital stays, where smaller covers might fall short fast. From surgeries to ICU stays, ₹25 lacs ensures you're not constantly checking your wallet when you should be focusing on recovery.
Additionally, having a ₹25 lacs sum insured offers peace of mind and financial security, reducing the risk of out-of-pocket expenses that could arise from unforeseen health issues.
Bonus Point: Opting for a higher sum insured early on can also help you lock in better premiums while you're still young and healthy. It’s an investment in your future self. 🙂
Disclaimer: Premiums vary depending on your age, plan type, health conditions, and other factors. The example shared is just for illustration.
Tanya Marwah
Head of Marketing
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To add or remove members from your Digit Health Insurance policy, follow these steps:
Once processed, you will receive a confirmation.
An Individual Health Insurance is a policy which you may buy to cover you, your spouse, children and parents on an individual sum insured basis. This type of insurance policy covers your medical expenses for injury & illnesses related to hospitalization, surgery costs, room rent, daycare procedures and more.
Suitable for young adults, self-employed individuals, or those without employer-sponsored plans.
A family floater health insurance is a type of health insurance plan wherein you and your family members share one plan. This means both your health insurance premium and sum insured would be shared amongst all members in the plan.
Suitable for families with spouses, children, and dependent parents.
A Group Health Insurance policy is a kind of benefit offered to the employees by the employer.
Suitable for employees in companies, members of associations, or organizations.
A Senior citizens health insurance policy is designed to cover the medical expenses for people above the age of 60 years.
Suitable for seniors and retirees above 60 years.
A Maternity cover can be bought as a rider along with the basic health insurance plan. All the expenses incurred in the prenatal stage, delivery and post-natal stage are covered.
Suitable for couples planning to start a family.
Critical illness insurance is a health plan designed primarily for middle-class families, which covers serious conditions such as cancer, open heart replacement, primary pulmonary hypertension, major organ transplant like end stage liver/lung/ kidney failure requiring regular dialysis, major organ/ bone marrow transplant, coma of specified severity, aorta surgery, etc.
Suitable for individuals concerned about major health risks.
You can buy a top-up policy if you seek an extension of a health insurance when you’ve already used the maximum claim amount. But such plans come with a “Deductible Clause.” So, in case of a claim the payment will be made over and above a defined limit mentioned in the policy.
Suitable for anyone with an existing health insurance policy.
Shashank Kumar
VP Product Development
One of the benefits of buying a health Insurance plan online is, that you have the chance and endless possibility to do your research and compare health Insurance plans online.
To make your decision-making process easier, here are a list of factors you should compare before buying the best health Insurance plan:
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Vivek Chaturvedi
CMO & Head of Direct Sales
The right age and time to buy a health insurance is Now! Basically, you should buy yourself a health insurance as soon as you start earning. Buying a health insurance policy at an early age is a smart financial move. Here are some reasons why you should consider investing in a health insurance policy at an early age:
Buying health insurance not just saves your pocket against ever-rising medical costs but also offers tax benefits for health insurance. Here are a few ways by which you can save tax through Health Insurance:
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Did you know your health insurance can help you save money on taxes too?
In this video, we unravel how health insurance isn’t just a shield for medical expenses, it’s also a smart move for your finances. Learn how to make the most of your policy and cut down your taxable income on your health insurance policy.
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When it comes to health insurance, there's no shortage of myths, like “young people don’t need it” or “all illnesses are covered from day one.” These common misconceptions can keep you from making smart, timely decisions. Hence, here are some popular health insurance myths and the facts that everyone should know before buying a policy:
Read about IRDAI’s mission of Insurance for all by 2047.
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Other Important Articles about Health Insurance Tips
Health insurance is an important investment that provides financial security in case of medical emergencies. Consider the below scenarios where you may want to reconsider not having health insurance:
While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs.
Also, an employer health insurance covers you only during your job tenure. Once you switch jobs and if there is a break between the next employer coverage, you are left without any insurance coverage in that period.
Some companies do not provide health cover during probation period. Owing to these reasons, it is important to review your employer's health insurance policy and consider investing in a separate individual health insurance policy to supplement it.
You might have a health insurance but with low sum insured. A low sum insured may not be sufficient to cover the medical expenses in case of serious illnesses-related hospitalizations. It is important to review your health insurance policy and consider increasing the sum insured based on your needs.
As a government employee, you might have health coverage under some specified health schemes, however, please note that such facilities are available only at a few selected medical centres, generally concentrated in major metro cities. Hence, it is suggested to have an additional personal health cover to battle emergency situations when the government facility might not be accessible.
You might choose to opt for a lower premium health insurance policy with limited coverage. While this may save money in the short term, it may not provide adequate coverage when needed. It is important to strike a balance between premium and coverage and choose a policy that provides adequate coverage for your needs.
While health insurance can save additional taxes under Section 80D of the Income Tax Act, it should not be viewed only as a tax-saving tool. The primary function of Health insurance is to provide financial security and peace of mind in case of medical emergencies.
While you may be young and healthy now, medical emergencies can occur unexpectedly. Having health insurance can provide financial security and help you cover the cost of medical treatments and hospitalization. Also, investing in health insurance at a young age can help you secure a lower premium and accumulate cumulative bonuses over time.
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