Welcome to Health Insurance Info
A complete guide to understanding health insurance: coverage, plan types, exclusions, tax benefits, and claims—all explained clearly without promotions.
Trusted Information
Clear & Simple
Coverage
Exclusion
India‑Focused
Plan Types
Claims
Tax Benifits
Quick Highlights
-
Cashless hospitalization at network hospitals
-
Pre & post hospitalization expenses included
-
Waiting period for pre‑existing diseases
-
Tax deduction under Section 80D
Coverage at a Glance
Understand the key benefits typically included in health insurance policies in India.
Hospitalization
Covers room rent, treatment, medicines, doctor & nursing charges as per policy terms.
Pre & Post Hospitalization
Diagnostic tests and follow‑up expenses for a specified number of days before & after.
Day‑Care Procedures
Treatments like cataract, dialysis, chemo, etc., not requiring 24‑hour admission.
Ambulance & Emergency
Emergency transport & casualty support as per the limits of your policy.
Preventive Check‑ups
Periodic health check programs may be included or offered as add‑ons.
Maternity & Newborn
Available in select policies with waiting periods; terms & limits vary by insurer.
*Subject to policy terms. This section is informational only and does not sell or endorse any plan.
Plan Types
Explore common policy categories. Select a tab to see what each plan typically includes.
Who it’s for
One person who wants dedicated coverage and a fixed sum insured.
Typical features
-
Hospitalization, pre & post hospitalization
-
Day‑care procedures, ambulance cover
-
Optional add‑ons (OPD, room‑rent upgrd)
Notes
Premium depends on age, sum insured, city and add‑ons. Check network hospitals.
This section is informational only. Benefits vary by insurer and specific policy wording.
Exclusions
Understand what health insurance does not cover. Always review policy wording carefully.
✅ Commonly Covered
-
Hospitalization due to illness or accidents
-
Day‑care procedures (dialysis, cataract, etc.)
-
Pre & post hospitalization expenses
-
Emergency ambulance
-
Maternity & newborn (only in select plans)
❌ Not Covered
-
Pre‑existing diseases during waiting period
-
Cosmetic & dental treatments (unless accidental)
-
Self‑inflicted injuries, substance abuse
-
Non‑allopathic treatment (unless specified)
-
Unproven or experimental procedures
Disclaimer: Coverage and exclusions vary by insurer and policy terms. This section is for information only.
Why Health Insurance Matters
A short, practical view of how insurance protects your savings and improves access to care.
Real‑life scenario
An unexpected hospitalization can cost more than planned savings. A suitable policy cushions these expenses through cashless treatment, covers pre & post‑hospitalization, and reduces the financial shock to your family.
-
Cashless access at network hospitals helps avoid upfront payments.
-
Pre‑authorization and claim support streamline paperwork during emergencies.
-
Annual check‑ups and preventive care (if included) improve long‑term health outcomes.
₹
Medical bills can be significant. Adequate sum insured helps protect savings.
24×7
Medical bills can be significant. Adequate sum insured helps protect savings.
80D
Medical bills can be significant. Adequate sum insured helps protect savings.
1) Access
Find network hospitals and use your e‑card for cashless admission.
2) Coverage
Hospitalization, day‑care, and post‑treatment costs are typically covered as per policy.
3) Continuity
Renewal benefits and no‑claim features (where available) support long‑term protection.
Information only. Benefits, limits, tax rules, and processes depend on the specific policy and applicable regulations.