Why Health Insurance is Essential in India?
Medical costs in India are rising every year. A single hospital stay can cost lakhs of rupees. Health insurance protects you and your loved ones from financial stress during medical emergencies — so you focus on recovery, not bills.
Who Can Buy Health Insurance?
1. For Individuals
Perfect for working professionals and single persons who want:
- Affordable premiums with tax benefits under Section 80D
- Full coverage for hospitalisation, surgery, and day-care treatments
- Cashless treatment at network hospitals
2. For Families
Best for protecting your entire family under one plan:
- Cover for spouse, children, and dependent parents
- Single premium for the whole family (floater plan)
- Higher sum insured at lower cost than individual policies
3. For Senior Citizens
Specially designed for people aged 60+:
- Coverage for age-related health conditions
- Higher sum insured options (₹5–50 lakh)
- Pre- and post-hospitalisation benefits
- Dedicated customer support for claim assistance
4. Key Benefits of Health Insurance
- Add-On Covers: Critical illness, maternity, personal accident, and more
- Cashless Hospitalisation: No upfront payment at network hospitals
- Pre & Post-Hospitalisation Cover: Expenses before and after hospital stay covered
- Day-Care Procedures: Surgeries not requiring 24-hour admission are included
- Tax Benefits: Save up to ₹75,000 under Section 80D
How to Choose the Right Plan?
- Add riders like critical illness or maternity cover if needed
- Decide coverage amount based on city and family size
- Check waiting period for pre-existing diseases (usually 2–4 years)
- Compare cashless hospital networks
- Look for lifetime renewability and no-claim bonuses
Click Here to read article about how to choose right Health Insurance.
Why Buy Health Insurance Through BimaKarwalo?
- Hassle-free claim assistance and lifetime policy support
- Compare plans from multiple trusted companies (HDFC, ICICI, Star Health, etc.)
- Get expert guidance on choosing the best policy at lowest premium
Q1: Which is the best health insurance plan for families in India?
The best plan depends on your family size, budget, and coverage needs.
Q2: What is waiting period for pre-existing diseases?
Most insurers have a 2–4 year waiting period for pre-existing conditions like diabetes, hypertension, etc. Some senior citizen plans reduce this waiting period.
Q3: Can I cover my parents under the same plan?
Yes, you can buy family floater plans or separate senior citizen policies for parents, depending on their health and age.
Q4: How much sum insured should I choose?
In metro cities, ₹10–20 lakh coverage is recommended for families. For individuals, ₹5–10 lakh is sufficient in most cases.
