A wise man once said, “Sometimes you need to spend a little money to save a lot...” That’s especially true where healthcare is concerned. No matter how careful you are, illnesses do occur. And with medical costs spiraling out of control, even a minor ailment can turn out to be a major drain on your household expenditure.

Individual Health Insurance or personal medical insurance is a type of insurance that provides medical coverage to people on an individual amount insured basis. It implies the sort of medical insurance that must be obtained separately for each member of the family. It enables you to tailor your policy coverage to your health requirements rather than your whole family.

Key Benefits :

• Pre and Post-Hospitalization Expenses : Coverage for medical expenses incurred before and after hospitalization.
• Ambulance Charges : Reimbursement for ambulance services for emergencies.
• Room Rent Limits : Insurance covers up to a certain limit on room rent.
• No Claim Bonus (NCB) : Insurers may offer a cumulative bonus for every claim-free year.
• Cashless Treatment : Insurance companies often tie up with hospitals for cashless treatment.
• Medical Check-ups : Policies cover periodic health check-ups.
• Tax Benefits.

A family floater health insurance plan is a tailored health coverage that extends to multiple members of a family. Unlike individual health insurance, which requires separate plans for each family member, a family floater plan allows you to cover your spouse, children, parents, and even siblings under a single policy. This not only streamlines the insurance process but also proves economical, with lower premiums compared to individual plans.

A family floater health insurance plan functions by consolidating the coverage for all enrolled family members under a single plan. The shared sum insured allows multiple claims, offering flexibility during medical emergencies. This shared approach distinguishes it from individual health insurance plans.

Key Benefits :

• Covers the whole family under one plan, making it easier to manage.
• Sum insured is shared by covered family members.
• Tax benefits
• Annual health check-up for each family member.
• Teleconsultations.
• AYUSH treatment coverage.
• Daycare treatment coverage.
• Pre and post hospitalisation coverage.
• Cashless claims.

A Product That Secures Your Family’s Future

Accidents shatter people emotionally, physically and financially, draining away lifelong savings. Your happiness comes to a pause and you are left with shock and financial burden. This Insurance presents Personal Accident Insurance to help you sail through steadily during these times.

Key Benefits :

• Medical Bills: Coverage against medicinal expenses incurred, including pre and post hospitalization.
• Pre-existing Diseases: Coverage for any pre-existing disease is provided to you after a certain waiting period.
• Claim Reimbursement: Coverage for expenses incurred for hospitalization due to a medical emergency.
• Tax Rebate: Annual premium paid for health coverage are subject to tax exemption u/s 80D of ITA, 1961. Tax exemption ranges from Rs. 25,000 to Rs. 75,000.
• Tax benefits are subject to changes in tax laws.
• Other Benefits: As an innovative feature, OPD expenses are now covered under few Insurer plans and don’t require hospitalization for minimum 24 hours for claim reimbursement. Standalone OPD plans are also available in the market.

A Product That Secures Your Family’s Future

Accidents shatter people emotionally, physically and financially, draining away lifelong savings. Your happiness comes to a pause and you are left with shock and financial burden. This Insurance presents Personal Accident Insurance to help you sail through steadily during these times.

Key Benefits :

• Medical Bills: Coverage against medicinal expenses incurred, including pre and post hospitalization.
• Pre-existing Diseases: Coverage for any pre-existing disease is provided to you after a certain waiting period.
• Claim Reimbursement: Coverage for expenses incurred for hospitalization due to a medical emergency.
• Tax Rebate: Annual premium paid for health coverage are subject to tax exemption u/s 80D of ITA, 1961. Tax exemption ranges from Rs. 25,000 to Rs. 75,000.
• Tax benefits are subject to changes in tax laws.
• Other Benefits: As an innovative feature, OPD expenses are now covered under few Insurer plans and don’t require hospitalization for minimum 24 hours for claim reimbursement. Standalone OPD plans are also available in the market.

Overseas health insurance, also known as international health insurance or travel medical insurance, provides coverage for medical expenses incurred while traveling or living abroad. It offers a range of benefits tailored to the unique needs of individuals who are away from their home country.

Key Benefits :

• Medical Coverage Abroad
• Emergency Medical Evacuation
• Coverage for Pre-existing Conditions
• Emergency Assistance Services
• Worldwide Coverage
• Additional Benefits