Best Health Insurance Plan

Individual, Family Floater, Senior Citizen, Top Up, Super Top Up, Arogya Sanjeevini, Heart Insurance, Cancer Insurance, critical illness

Yes,insurers have a network of cashless hospitals in metros, district headquarters and small towns. Check your hospital network before admission.

Waiting periods for pre-existing diseases is 36 months. Some insurers cover conditions like Asthma, BP, Cholesterol, Diabetes from the 31st day with an extra premium

Under IRDAI’s updated guidelines (2025), many health policies must now allow AYUSH treatments (Ayurveda, Unani, Siddha and Homeopathy.) in hospitals recognized by government-approved bodies as inpatients.

Many insurers allow entry without age restrictions and offer lifetime renewals, especially after the 2025 reforms. Always verify with us while taking the policy.

Yes, Pre hospitalization covers 30/60/90 days and post hospitalization up to 60/90/180 days

Yes, insurers allow a grace period (usually 30 days) for renewals, but coverage is paused until renewal.

Most insurers in India do not require medical tests before issuing a health insurance policy, though some may ask for tests based on age or pre-existing medical conditions.

Claims may be rejected for several reasons based on policy conditions, including:

1. Non-disclosure of pre-existing medical conditions.
2. Conditions treated during waiting periods (30 days, 2 years, or 3 years).
3. Treatments or diseases that fall under general exclusions.

You can switch your health insurance to another company, based on the acceptance of the switching company , provided the process is completed at least 30 to 45 days before your current policy renewal date.Contact us for assistance

A pre-existing disease is any illness or medical condition you had before buying a health insurance policy. Non disclosure may lead to claims rejection .

Some health insurance policies include maternity coverage by default with waiting period , while others offer it as an add-on with waiting period

A 2-year waiting period in health insurance means that specific treatments/procedure are not covered for the first two years from the inception of the policy, leading to potential claim denials. For list refer Policy

No,,Health insurance covers dental expenses only when they are caused by accidental injury.Few insurers plans covers dental cleaning and consultation with waiting period.

You can add a newborn to your policy by informing the insurer within 30 to 90 days of birth, submitting the birth certificate, and paying the adjusted premium. New born baby can be added after 90 days from the date of birth

You can add a newly married spouse to your policy by submitting proof of marriage and paying the premium for the remaining period of the policy

Yes, having more than one health insurance plan is allowed, allowing you to tailor coverage based on your needs and the benefits of each policy

During the free-look period, you can cancel your policy within 30 days without any penalty if it doesn’t meet your needs.

Domiciliary hospitalization refers to treatment taken at home when the insured cannot be moved to a hospital or no hospital room is available.

Yes, health insurance policies can be purchased through EMIs, with interest rates varying by insurer.

Super Top-Up insurance gives extra protection, activating only when your base health insurance coverage is exhausted.

Your premium may not automatically reduce for no claims, but some insurers offer a No Claim Bonus, which can increase your sum insured or provide a discount on renewal.

No, claims is payable if the premium is cleared and policy is active while the patient is hospitalized

Some of the insurance company plans cover world wide based on the policy terms and conditions.