Let's find best Health Insurance for you

Believe us when we say your search for the perfect health insurance plan ends here. Yes, it does. In this day and age, we have seen it all; the pandemic, its long-haul side effects, lifestyle diseases, critical illnesses and more. Therefore, it is only prudent if you invest in a health insurance plan that safeguards not only your health but also your future. With Bajaj Finserv Health’s Aarogya Care plans, get regular healthcare cover like doctor consultations, lab tests, free preventive check-ups, network discounts on medicines, dental care, eyecare and more. Plus, pre-and post-hospitalization care with ambulance assistance and an option to get AYUSH treatment cover. You can avail all this more in easy EMIs..
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Health Insurance

Health insurance is insurance that offers medical and healthcare expenses coverage due to illnesses. Costs of hospitalization like hospital room rent, doctor fees, surgery, cost of transplant, implant, medicines, medical equipment, etc., are all covered in the health insurance. However, health insurance plans offered by Bajaj Finserv Health provide more than just hospitalization expenses. Regular healthcare expenses like doctor consultations, lab tests, free preventive health check-ups, and health insurance upto 10 lacs.
Medical Insurance

Why do you need Health Insurance?

Healthcare in India is expensive. While medical science has made great strides and India has many healthcare services and facilities to offer, healthcare is not affordable. At the same time, the instances of chronic and lifestyle diseases are on the rise requiring more and more people to seek top healthcare treatments. Owing to medical inflation, the rising costs of healthcare often bankrupts an individual or a family. Hospital bills, cost of doctors, treatments, tests and medicines are a huge financial and emotional drain.
However, with a health insurance plan, this burden can be eased out. A health insurance plan acts a financial safety, a back-up that is handy when the need arises. It is especially useful in times of medical emergencies. With a health insurance plan, you need not skimp or delay your medical treatment. It is one of the best ways to be prepared financially.

  • Our current lives are hectic and with sedentary working environments, and long working hours, erratic diets, we are at a higher risk of lifestyle diseases like diabetes, BP, anxiety, etc
  • Medical inflation has gone through the roof. Therefore, in case of medical emergencies, a health insurance policy helps to get timely treatment as well as safeguards your personal wealth.
  • Payment of health insurance plan premiums are eligible for tax benefits, i.e., deductions under sector 80D of the ITA or income tax act. Until the age of 60, you can claim upto Rs 50,000 for your health insurance plan premium.
  • A health insurance policy offers cover for pre-and post-hospitalisation treatments. It also covers costs of medicines, tests, doctor fees, diagnostic tests.
  • Benefits such as cost of ambulance assistance, cover for day-care procedures, vaccinations, prosthetics, surgeries, etc. are also included.

We offer the best features
With our added healthcare benefits & insurance, avail in Easy EMIs
Cashless lab tests & teleconsultations upto ₹56,000
Cashless lab tests & teleconsultations upto ₹56,000
Teleconsult 4500+ doctors online
Teleconsult 4500+ doctors online
Consult 96,000+ doctors across 35+ specialties
Consult 96,000+ doctors across 35+ specialties
Medical cover worth 10 lacs
Medical cover worth 10 lacs
Health plans with 0% co-pay
Health plans with 0% co-pay
10% PAN India Network discounts
10% PAN India Network discounts
24x7 customer network
24x7 customer network
92.1% Claim Settlement Ratio
92.1% Claim Settlement Ratio

5 reasons to buy health insurance from Bajaj Finserv Health

  • Expenses


    Healthcare expenses
    The plan covers your regular healthcare expenses like fees, lab test fees, preventive health check-ups, etc.

  • OPD Doctor Consultation


    Doctor consultation
    You get free online doctor teleconsultations. If you do not want to step out of the house or need medical intervention 24/7, you can consult top specialists online.

  • Network Discounts


    Network discounts
    You can avail network discounts across Bajaj Health’s vast network PAN India for doctor consultation, hospitalization, lab tests, hospital room rent, buying medicines, dental care, eye wear and more.

  • Cashless treatment


    Cashless treatment
    You can avail cashless treatment at network hospitals or get bills reimbursed at non-network hospitals, clinics, etc

  • Claim Settlement Ratio


    Easy Claim Settlement
    Claim settlement process is fairly easy and hassle-free. Claim settlement ratio is 92.1%

Why get only Health Insurance, get a complete health package!

What is health package

A health package is a series of benefits clubbed with a health insurance cover. These benefits are cashless or can be reimbursed. Unlike a health insurance plan, a health package caters to your regular healthcare, i.e., with its prepaid benefits, it allows you to get timely lab tests, preventive health check-ups and doctor visits. In short, with a health package you can focus on wellness. And with it is health insurance cover, you have a safety net that if hospitalization or any major treatment is required, health insurance will take care of such expenses.

Why do you need a Complete Health Package

A health insurance plan is integral to securing your health and your family’s health as well as your personal investments and savings. However, a health insurance plan can be used only during hospitalization. This means you can avail benefits for pre-and post-hospitalization including your treatment costs, doctor fees at the hospital, lab tests, all medical equipment used, life-support and life-saving treatment, etc.
In today’s day and age, just having a health insurance for yourself and your family is not enough.
This is because health should start at wellness and you don’t need to fall ill to avail your health benefits. This is why Bajaj Finserv Health brings you customizable complete healthcare packages. These healthcare packages are designed to cater to all your healthcare needs from regular health to hospitalization and after.


Benefits of buying a health insurance package in India

Medical science has advanced beyond our expectations over the years. Different medical treatments, procedures and cures are available today that were unheard of before. However, medical treatment is also very expensive and financially draining. This is owing to the medical inflation in the recent times. If you happen to fall ill or any of your family members fall ill, the treatment – doctor fees, hospitalization, post-hospitalization care, medicines, tests, etc. can drain your financial savings. This is where a health insurance plan steps in to help you.With a health insurance plan, you need not worry about your illnesses, hospitalization and post-hospitalization care. All your treatments, procedures, doctor fees, lab tests, life support, prosthetics, etc. are covered. Your health insurance policy will also cover costs for your family’s healthcare. Here are some of the benefits of buying a health insurance plan:
With a health insurance plan, you need not worry about your illnesses, hospitalization and post-hospitalization care. All your treatments, procedures, doctor fees, lab tests, life support, prosthetics, etc. are covered. Your health insurance policy will also cover costs for your family’s healthcare. Here are some of the benefits of buying a health insurance plan:
benefit-img_<h4>Pre-and post-hospitalization cover</h4>

Pre-and post-hospitalization cover

benefit-img_<h4>COVID-19 treatment & hospitalization cover</h4>

COVID-19 treatment & hospitalization cover

benefit-img_<h4>Affordable and accessible healthcare</h4>

Affordable and accessible healthcare

benefit-img_<h4>Protection of personal wealth</h4>

Protection of personal wealth

benefit-img_<h4>PAN India coverage </h4>

PAN India coverage


The Higher your BMI Higher your Chance to get Diabetes

Keep your health in check with our BMI Calculator

Height (cm)
Weight (Kgs)

How to choose the right health insurance for you?

To choose a suitable health insurance plan from Bajaj Finserv Health, keep in mind these factors:

Healthcare requirements: Understand yours and your family’s healthcare requirements

Premium Amount: Age, family history, any pre-existing health conditions will affect your premium

Sum Insured:Check the sum insured thoroughly

Benefits Analysis: Analyze the cost benefits of the plan and check if it covers all your health needs.

Auto-renewal :Check for auto-renewal and Copay clauses

Diseases & Illnesses coverage:Check the number of diseases and illnesses covered in the plan

Network Hospitals :Check the network hospitals list

Your 7-point Checklist for Selecting the Best Health Insurance Plan

  • checklist-icons_ Cover amount

    Cover amount

    If you're living in a metro city, your sum insured should be at least in the range of 7-11 lacs. If you're opting for a family floater, your sum insured should be at least 8 lacs – 15 lacs. Another point to check is if the sum insured covers more than the cost of a single hospitalization (which it definitely should).
  • checklist-icons_Co-pay vs No Co-pay

    Co-payment vs. zero co-payment

    If you wish to make your premiums more affordable, you could opt for a health insurance plan in which you co-pay your hospital bills. This means, if a medical emergency were to arise, you pay a part of the hospital bill along with your insurer.
  • checklist-icons_health insurance discount

    Network size & discount

    Always check if your insurance provider has a vast network of hospitals, pharmacists, doctors, and labs. This allows you to get cashless treatments and avail of attractive discounts and deals across the network.
  • checklist-icons_No Sub-limit

    No Sub-limits

    It's advisable to buy a health insurance plan that doesn't have sub-limits on the hospital room rent so you can heal as comfortably as possible.
  • checklist-icons_Waiting period

    Shorter waiting period

    Always consider health insurance policies with a lower waiting period for pre-existing diseases and maternity benefits.
  • checklist-icons_Brand Goodwill

    Brand Goodwill

    Choose a health insurance plan that a trusted brand offers with a robust claim-settlement ratio and a well-respected reputation.
  • checklist-icons_Beyond hospitalization

    Beyond hospitalization expenses

    A comprehensive health insurance plan offers more than just hospitalization coverage. It provides additional benefits like doctor consults, network discounts, lab tests, and more.
Myth Buster
Don't panic, just build your own package

Here are the coverage offered by Bajaj Finserv Health

What's Covered?
What's not Covered?
Hospitalization Benefits

Hospitalization Benefits

  • In-Patient Hospitalization Treatments

  • Room Rent & Boarding Expenses

  • ICU Boarding & Nursing Expenses

  • Surgeon, Anesthesiologist, Medical Practitioner, Consultants & Specialists fees

  • Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Dialysis, Chemotherapy, Radiotherapy, Cost of Artificial limbs, cost of prosthetic devices implanted during a surgical procedure like a pacemaker, orthopedic implants, infra-cardiac valve replacements, vascular stents, relevant laboratory diagnostics tests, X-ray & other such expenses that are medically necessary

pre and post hospitalization expenses

Pre and Post-hospitalization expenses

Medical expenses incurred 60 days immediately before or 90 days immediately after hospitalization

daycare treatments

Day-care procedures

Payment of medical expenses for surgeries/day-care procedures taken as an inpatient in a hospital or day-care center but not the out-patient department.

Choose health insurance coverage of your choice
5 lakhhealth insurance
5 lakh - Health insurance coverage
Avail upto 180+ doctor consultation
61+ lab tests packages
Wellness benefit upto 38000 Rs.
10 lakhhealth insurance
10 lakh - Health insurance coverage
Avail upto 180+ doctor consultation
61+ lab tests packages
Wellness benefit upto 56000 Rs.

Eligibility Criteria:

Minimum and Maximum Age Limit:To avail benefits of a health insurance plan, you need to be at least 18 years old. The maximum age is 65 years. However, the maximum age limit can exceed to 70 as well depending on the plan and the insurance provider.

Pre-Existing Diseases:Factors like your age, any pre-existing diseases and a medical screening will help determine your eligibility for a health insurance plan.

Eligibility Criteria:

  • eligibility of age

    Minimum & Maximum age
    18 to 65 years age

  • previous diseases

    Pre-existing diseases
    Mandatory medical checkup is required

Myth Buster
Don't worry about price, just check it

How to calculate health insurance premium?

  • Personal Details


    Enter your name and mobile number.

  • Family members


    Select the family members whom you want to insure.

  • Age of eldest member


    Enter the eldest member's age

  • Premium Calculated


    Get your premium

10 factors that affect your health insurance premium:

India’s Leading Company

Health Insurance is a must for any individual or family who are looking to secure their health and financial future. Owing to medical inflation in the recent years, the cost of medical treatment and procedures often drains one’s lifetime savings and acts a burden. However, getting a health insurance means adding a fall-back cushion to safeguard savings as well as get tax benefits.

As you apply for a health insurance plan, the insurance providers do a thorough check/assessment of your health. Basis your health status, they offer a premium amount for the plan.


Your age is a major factor on which the health insurance premium will be decided. Most companies follow this mantra – the higher the age of the insured, the higher the premium to be paid. This is because older people are prone to illnesses. It is advisable to buy a health insurance plan when you are younger to enjoy more benefits and pay a lower premium.


Your occupation or the nature of your work will also determine the health risks you may be exposed to. Given our hectic lifestyles and sedentary jobs, you will be prone to stress, anxiety, etc. which will lead to other health issues. So, for example, if you have a high stress job, your premium will be higher.

Medical history

Medical history plays a vital role too in deciding the premium. If you have a chronic illness, or have suffered from any past major illnesses, or if family history points to any pre-existing illnesses, your health insurance premium will go up.

Copay feature

If you have a co-pay feature in your health insurance plan, then your premium will be lower as a certain percentage of the medical costs will be borne by you and the rest by the insurance provider..


Habits. Yes, your habits matter a lot. For example, if you are a smoker, you are at risk of serious illnesses like cancer. If you drink regularly, you are at risk of chronic diseases. So, your premium will be higher.


Duration of your policy will also affect your premium. If have a longer duration for your policy, you will pay less premium.


Your BMI or Body Mass Index also affects your premium. If your BMI is high, then you are at a higher risk of chronic or lifestyle illnesses. This means you will pay a higher premium.


Location If you stay in locations where food, water, air quality is an issue, it will lead to serious health issues and therefore, your premium will be higher.

plan type

Your plan type affects your premium amount.

Why to buy Health Insurance Online?

Buying health insurance online is easy. Unlike before when you relied on an insurance agent to guide you to buy health insurance, who in turn, pitched a brand that he/she was associated with, buying a health insurance online gives you more freedom to explore your options.

By buying health insurance online you can:

Get multiple quotes and check what suits your budget

Read all the fine print and other information in depth.

Online purchase is simple, easy and secure

Avail discounts on premium as operating costs are lower

How to buy health insurance from Bajaj Finserv Health

  • Login


    Step 1
    Log on to the website www.bajafinservhealth.in or download the ‘Bajaj Finserv Health’ app on your phone and sign up.

  • Search for Diabetes Insurance


    Step 2
    Search for the Health Insurance

  • Apply Now for Diabetes Health Insurance


    Step 3
    Click on ‘Apply Now’ and enter your basic details.

  • Confirm Application


    Step 4
    Check and confirm application by entering the OTP received on your mobile number.

  • Pay your premium


    Step 5
    Pay the premium via credit/debit card, UPI, mobile wallet, etc.

  • Get Details on Whatsapp


    You will receive the details of your membership via email/WhatsApp.

Myth Buster
All set to buy ?

Tax savings with Health insurance

  • Twin Wins : Apart from being the only health insurance plan that covers you both in sickness and good health, we offer tax benefits so you can save up to INR 50,000 under Section 80D of The Income Tax Act, 1981. So our health insurance plan is not only essential to protect your health and that of your loved ones, but also for sound financial planning! Guess they're right when they say Health is Wealth
  • Super Tax Deduction on your Medical Insurance Premium: Enjoy up to a deduction of INR 25000 every year when you pay your medical insurance premium under Section 80D of The Income Tax Act, 1981.
  • Tax Savings on Preventive Health Check-ups: Grab tax benefits of up to INR 5000 on preventive health check-ups every year under Section 80D of the Income Tax Act, 1981.

Please be advised that the benefits mentioned above are per India's most recent tax laws and may be subject to change. Please reconfirm the same with your tax consultant/financial advisor. These amounts are independent of your health insurance premium value.

Explore Our Robust Network

You can avail all your health insurance benefits PAN India. Explore our vast network partners.

Explore Our Robust Network

You can avail all your health insurance benefits PAN India. Explore our vast network partners.

cityCare1000+Hospitals Near You
hospitalCare90+Labs Near You

Documents Required For Buying Health Insurance Policy

Age Proof
  • Aadhaar card

  • Passport

  • 10th or 12th mark sheet

  • Birth certificate

Identity Proof
  • PAN card

  • Driving license

  • Voting ID

Address Proof
  • Electricity bill

  • Telephone bill

  • Ration card

Myth Buster
Does Bajaj Finserv Health’s Health Insurance Cover Coronavirus Treatment?

An Easy, Hassle-Free And Quick Procedure

How to Claim Your Healthcare Benefits?

We have 98% Claim Settlement Ratio!
India’s Leading Company
We have 98% Claim Settlement Ratio!
With the Bajaj Finserv Health Insurance plan, you can avail health benefits and hospitalization benefits across the vast Bajaj Finserv network partners PAN India.
Download the Bajaj Finserv Health app or go to www.bajajfinservhealth.in and log in to your account.
Go to your health plan and select the benefit you want to redeem or get reimbursed.
Follow the steps and claim your health plan benefits instantly.

How to make cashless claims & reimbursements

Cashless Claims
Approach Hospital
Approach Network Hospitals
Approach Network Hospitals for complete cashless facility & once details are verified, send the duly filed pre-authorization form to the insurer
Verification of all details
The insurer will duly verify the details of the pre-authorization request with policy benefits and intimate their decision to the healthcare provider
Myth Buster

One useful tip just for you!

When buying a health insurance policy, always buy a family health insurance policy. This is because not only do you safeguard your entire family, but you can also avail health benefits for yourself at a lower premium than just an individual health insurance policy.

Myths Busted

Myth #1: My employer provides me with health insurance, so I don't need one!

This is one of the biggest misconceptions even some of the most successful working professionals harbor. Because yes, you still do need to invest in your health insurance. Here are the top 3 reasons why:

  • The policy you receive from your employer has a standardized sum insured which is usually not enough to cover you or your family in case of a health emergency.
  • Your employer's health insurance policy is only in place until you are employed with them. If you're ever in between jobs or on a sabbatical and a health emergency were to occur, you would be left stranded.
  • While the overall inflation rate hovers at 8%, healthcare inflation has seen a 20% rise, especially under the prevailing pandemic. To meet these costs in case of a medical emergency, you must prepare yourself as best as possible financially.

Myth# 2: In the long run, paying for any actual medical expenses will be cheaper than paying costly health insurance premiums

Nothing could be a bigger myth than this! Here are 5 reasons why:

  • COVID-19 has catastrophically affected the entire world, including India. The latest variant- Omicron, is even more infectious than its predecessors. Treatment of COVID-19 in India, especially in severe cases, can be financially debilitating. This makes health insurance in India even more of a necessity than ever before.
  • The medical Inflation rate is seeing double-digit growth in India at a whopping 20%- making quality healthcare unaffordable and out of reach for the average Indian citizen. Investing in health insurance in India ensures a healthier and wealthier nation.
  • Mental health illnesses are rising in India. Social media, the pandemic, and increased urbanization will only worsen this phenomenon in the near future. The IRDAI has thus mandated that all Health Insurance providers in India cover mental health. So apart from the healthcare benefits, you can claim for your physical health, you should also consider the benefits you get for mental wellness such as psychiatric support, etc.
  • There is an exponential rise in chronic diseases and hospitalizations due to increased sedentary lifestyles and stress. Health insurance is the only savior if, god forbid, you or a loved one undergoes a medical emergency because of a chronic condition.
  • At less than 30%, India has one of the lowest 5-year survival rates for cancer patients! This is largely because the majority of the patients cannot afford long-term treatment associated with such critical illnesses- that a health insurance plan can easily cover.

Myth #3: I have a very low insurance cover. But it's probably enough to see me through during a medical emergency.

Wrong again! So how to know if you need to increase your health insurance cover? Here are 3 factors you should consider:

  • Where you live: If you live in a metro city, your health expenses will be significantly higher than your counterpart who lives in a smaller city/town. So do factor that into your calculations.
  • How many hospitalizations does your sum insured cover: If your sum insured can only cover the cost of one hospitalization, then you should seriously consider increasing the amount so that your medical expenses apart from hospitalization costs can also be covered.
  • Whether you have financially dependent family members: If you've opted for a family health insurance plan, you ideally need a health insurance policy amount over 10 lacs.

Myth#4 : The lower the premium, the better the policy.

The math doesn't add up here due to many reasons! Firstly, you must carefully evaluate the coverage against the premium. There are innumerable insurance providers whose premium would be jaw-droppingly low- but if you read their fine print, you'd discover that their coverage is shockingly next to nothing too. So while we agree that your premium should be affordable to you, we strongly recommend a thorough cost-benefit analysis of the health benefits you're getting vs. what you pay for.

Hear It From Our Customers
Female, 23
Shruti Shivhare
This has been very helpful to me and my family during the pandemic. I could reach out to the best doctors online and get the right treatment for my parents at reasonable pricing. Also, with preventive health check-ups as a part of the plan, it is a very good purchase.
Male, 23
This Health Insurance has been very helpful to me and my family during the pandemic. I could reach out to the best doctors online and get the right treatment for my family at reasonable pricing. Also, with free lab tests and other hospitalization benefits, it is the best product to manage all healthcare expenses.


Top-up in health insurance is the extra coverage offered to policyholders if they reach the maximum limit on their health insurance plans. The benefit of a top-up plan is that it significantly increases your sum insured at a very nominal increase in cost.

Example: Pingoo has health insurance of INR 4 lacs with a premium of INR 8k. But he feels that with the rising medical costs and incidences of illnesses in India, it won't be enough to cover him in case of a medical emergency. If he buys an additional policy of the same amount or increases the coverage of the existing amount to 8lac, it will cost an additional premium of INR 8k. Instead, a top-up plan at the rate of 1k per lac acts as an excellent incentive for him to increase his cover at a lower amount. So, he only has to pay INR 6k additionally instead of INR 8k.

Most health insurance plans have a waiting period of at least 3 months to a maximum of 4 years, during which certain illnesses, pre-existing diseases, and medical emergencies are not covered. Suppose you have already crossed this waiting period but now wish to switch to a different insurance provider. In that case, porting your existing health insurance to the new insurer can be very useful. In this way, you can avoid the second waiting period under your new insurer.

For most health insurance policies, you will be able to claim medical insurance as many times as you want. However, after you have exhausted your total sum insured amount, you will no longer be able to make a claim. You can only begin to do so again after your policy has been renewed.

Most policies DO NOT require you to take a medical test under 45.

Yes, you may have any number of policies as you like. But you cannot claim the same expenses from multiple insurance policies. However, if one cover isn't enough, you may use another cover to help you pay for the costs.

Every insurer has a network of hospitals, clinics, and medical professionals that charge their policyholders a lower fee than other medical care facilities/professionals. This medical network also makes provisions for "cashless" treatment wherein the expenses borne by the patient can be directly settled between the insurer and the hospital.

According to the IRDAI (Insurance Regulatory Development Authority of India), any person up to 65 can buy insurance. Specific senior citizen policies are available for persons aged between 65 and 80. The lower age limit to purchase health insurance in India is 18 years – that is when you are legally an adult

The initial period of 15 days (usually) during which you can terminate your health insurance policy or ask for changes in the features of the policy without having to pay any penalties is known as the 'Free Look Period. Typically, policies that grant the free look period option to their holders have a minimum term of 3 years or more.

A pre-existing illness denotes any health issues that the policyholder is already facing before he/she purchases the policy. Common pre-existing diseases in India include diabetes, asthma, hypertension, etc. Insurers are wary of pre-existing diseases as it means that the chances of the holder claiming the sum insured are much higher. Hence some policies don't cover these at all. However, most insurers cover pre-existing diseases with a waiting period of a minimum of 2-4 years, depending on the severity and nature of the disease. This means that the cost of any treatment- medication, doctor consultation, or hospitalization- related to the pre-existing illness will not be covered by the policy's issuer until the waiting period as specified by the policy terms has elapsed.
Some insurers offer a co-payment option on pre-existing diseases. This means that if you, that is, the policyholder, have to undergo any pre-existing disease expenses, part of the expenses will be borne by you and the remaining by your health insurer.

Certain medical conditions, known as "Exclusions" in health insurance parlance, are typically not covered by your health insurer, either during the "Waiting Period" or the entire course of the policy. These usually include the following 7:

1. Pre-existing diseases, which, as discussed above, have a waiting period of 2-4 years even if covered by the policy.
2. Except for those occurring due to accidents and deaths, all other medical expenses are covered in a health insurance policy only after 2-4 months have elapsed since the purchase of the policy.
3. Pregnancy and expenses related to the same are usually included only after a waiting period of 2 years.
4. Elective surgery such as cosmetic surgery, gender transfer, dental or joint replacement is also excluded.
5. Alternative treatment methods such as Homeopathy and Ayurveda
7. Congenial disease, i.e., a medical condition present from or even before birth.

If you've opted for a family floater, your children can be covered in the plan right from their birth to a period of 90 days. The policy includes benefits such as hospital stays and vaccinations. After 90 days, you can add the child to the policy by paying an additional premium. In the case of an individual health policy, a newborn baby can be covered right from the day they're born as long as either of the parents is included in the health plan.

A standalone health insurance plan is one that you have in your name only. It does not provide any benefits to your family members. It is also known as an individual health insurance plan and is one of India's most common health insurance policies.

IRDAI stands for The Insurance Regulatory Development Authority of India. It is an autonomous regulatory body under the Ministry of Finance (the Government of India) that monitors and awards licenses to India's insurance and reinsurance industries. The body comprises a 10-member team including the chairman, 5 full-time and 4 part-time members appointed by the Indian Government.

Policyholders can air their grievances against their insurer in the following ways:
1. Reach out to the insurance company's government redressal officer (GRO). You can find the contact details of all GROs in India here. You have to give your complaint in writing along with supporting documents. You should also make a written acknowledgment of your complaint with the date.
2. If within 15 days, your issue remains unresolved or you're unhappy with the resolution, you can reach the
Grievance Redressal Cell of the Consumer Affairs Department of IRDAI in any of the following ways:
1. Call the toll-free number 155255 or 1800 4254 732
2. Send an email to complaints@irdai@gov.in
3. Use IRDAI's online portal- Integrated Grievances Management System, to register and monitor your complaint here.
4. Send a letter to IRDAI with your complaint by filling the complaint registration form addressed to the IRDAI GRO at the address provided here.

There is no "perfect" health insurance sum insured. It varies based on several factors. There are 3 handy and broadly accepted rules that you can apply to arrive at an amount that is prudent and practical for you:
1. Your health cover should be at least 50% of your total annual income.
2. The sum insured should at least cover the cost of a coronary artery bypass graft in a hospital of your choice.
3. Most personal finance experts recommend a minimum cover of at least INR 5 lakhs.

A Minimum Premium Plan is a type of corporate health insurance plan in which the employer agrees to pay healthcare expenses up to an aggregate amount. This results in the least (a minimum) amount of premium that the employer is liable to pay. The insurer has only to bear the expenses that accrue over and above this aggregate predetermined amount.

Earlier, policy owners had to pay their health insurance premiums annually or once unless renewed. However, recently the IRDAI, to make health insurance more accessible and affordable to the masses in India, has allowed the option of monthly payment of health insurance premiums. This has come as a boon to Indians since a large, single payment is difficult for many prospective policyholders.

Yes, your health insurer will provide you with free health check-up (s) based on your plan and the insurance company. While some health insurers in India specify the monetary value of the tests you can avail of as a percentage of the sum insured, others detail the type and number of lab/blood tests you can avail for free. Most routine tests are covered under this complimentary health check-up.

Yes, you can easily claim your medical bills in health insurance, provided you have not exhausted your annual sum insured amount. You will have to produce the original copies of all medical receipts to your insurance provider to claim your medical bills.

You can easily add your family members to your existing policy by contacting your insurance provider and complying with the process for the same. It typically involves furnishing the following documents:
1. Request Letter
2. Proposal Form
3. Marriage Certificate (in case you're adding your spouse)
4. Adoption papers (In case you're adding your adopted child)
5. Birth Certificate Papers (In case you're adding your child)
6. Cheque with premium (New and increased amount in light of the member addition)
However, there is an important caveat you should bear in mind before adding family members to an existing policy:
It's usually wiser to buy a separate policy for your parents (especially senior citizens) rather than add them to your cover. This works out more cost-effectively in the long run as the premium you pay on a family floater is calculated based on the eldest policyholder. So you end up paying extra, overall.

If you are admitted into a non-network hospital, you must bear the cost of treatment and settle the bill with the hospital. However, you can claim reimbursement from your health insurance provider by submitting the medical bills to them.

Most health insurance policies in India do not cover overseas medical treatment.

A basic health insurance policy in India covers your cost of hospitalization, which includes room and board, surgical procedures, nursing, etc. However, the medical costs during a health emergency typically extend beyond hospitalization, as you may have to incur expenses for counseling, rehabilitation, physiotherapy, dietary supplements, and more.

These expenses can add up to a considerable amount- one that you may ill-afford.
This is where "riders" in health insurance can come to your rescue. 3 Common riders include:
1. Critical Illness: This provides you a monetary lump sum if you or your nominee gets diagnosed with a critical illness covered by the plan.

2. Hospital Cash: This rider pays you a fixed amount in case of hospitalization. And in case you're admitted to the ICU, the rider amount doubles. This cash comes in handy for the miscellaneous expenses you have to undergo while in the hospital.

3. Maternity: This rider pays for your expenses related to delivery, be it C-Section or vaginal. It also covers your pre-natal and post-natal expenditure, newborn expenses, or medical termination of pregnancy.

Other riders that insurance providers cover include accidental death, out-patient dental (deemed medically necessary) costs, convalescence costs, etc.

Price starting @
₹592 / month

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