Overview
Health insurance pays for medical treatment so a hospital stay does not drain your savings. Plans can cover just you or your whole family under one sum insured.
What is usually covered
- Hospitalisation and room charges
- Surgery, doctor and nursing fees
- Pre and post hospitalisation expenses
- Day-care procedures
- Cashless treatment at network hospitals
What is usually not covered
- Waiting-period conditions until the waiting period is over
- Cosmetic and non-medical treatment
- Injuries from self-harm or illegal activity
- Other exclusions listed in the policy
Who needs it
- Individuals and young families
- Parents and senior citizens
- Anyone without employer health cover
Frequently asked questions
What is a family floater?
One sum insured shared by all covered family members. Any member can use it during the year.
What is a waiting period?
A period after buying the policy during which some conditions are not covered. It differs by plan.
Exact cover, exclusions and limits vary by insurer and plan. Always read the policy wording before buying.