Health Insurance

Find the most affordable health insurance plans curated for individuals, families & seniors from the leading insurance companies in India at one place.

Health Insurance details

Gender

Male

Female

Your name

Your mobile number

Quick

claim settlement

cashless

treatment

Effective

health coverage

Tax Benefit

upto Rs.50,000

Top Health Insurance Plans

Several good plans are available at a cost that will enhance your day.

Top plans

#healthinsurers

Health Insurance Companies

Health Insurance Plan

Health crises strike without prior notice, regardless of age, gender or health profile. It is better to be prepared financially with a good health insurance plan.

Hassle-free documentation, paperless processes and instant policy delivery are some of the advantages of choosing your health insurance plan at Fincover.

What is Health Insurance policy?

A health insurance policy is your legal contract with an insurance company under which your medical expenses are covered. This can be actual hospitalisation expenses or a lump sum.

Insurance companies have a network of hospital tie-ups so you can get cashless treatment. If you opt for a non-network hospital you can pay for your treatment and make a claim against bills.

Health Insurance Types

Some health insurance policies reimburse your hospitalization and related expenses; others pay a lump sum when a diagnosis is made. They may have built-in or add-on benefits like daily cash benefits, second opinion, and ambulance charges. Here are some types of health insurance policies.

Why Health Insurance?

My employer gives me a health plan, why should I buy a separate policy? If this is your question remember, that the coverage may be inadequate or not entirely appropriate for your needs. Moreover, you will have this cover only as long as you are with this employer.

Statistics show that over 90 percent of Indians pay for major medical expenses out of their own pockets since they did not or could not buy health insurance. Many families have to sell assets to afford treatment costs.

Health insurance is the solution to ensure your financial security in the face of healthcare expenses. You also get tax deductions on premiums under section 80D of the Income-tax Act, 1961.

Benefits of Health Insurance

Financial Cover

Health insurance provides you financial cover for medical emergencies which may be unaffordable otherwise. It can pay for expenses like hospitalization, medical tests, doctors’ and surgeons’ fees and ambulance charges as per the terms of your policy. Some health policies pay a lump sum on diagnosis or recommendation of surgery.

Cashless Facility

You can get the best treatment in the finest of hospitals without spending a paisa. The health insurance company pays your bills directly to the hospital, so can undergo your medical procedures with peace of mind and without any hassles.

Tax Benefit

Your health insurance premium entitles you to a tax deduction under section 80D of the Income-tax Act, 1961.

Timely Treatment

Since insurance companies have a good network of major hospitals, you can get timely medical attention and treatment.

No Claim Bonus

No health insurance claims in a policy year can mean higher sum insured when you renew your policy. Make sure you keep your health insurance valid to avail this benefit.

Free Medical Check-up

You have not made a health insurance claim in a few years? Your policy could pay for a medical check-up. One more reason to keep your health insurance valid.

Fincover

Advantages

There are several reasons why you should apply

IVA Insurance is an IRDA Approved Direct Broker (Life & General).
We are here to assist you 24/7.
Our unbiased approach ensures you get the best options.
With over 55 insurance companies and hundreds of health policies, Fincover cuts through the clutter and helps you choose the one that is best for you.

@fincover

Buy Health Insurance

Fincover gets you the best insurance available in the market. Our compare and buy feature helps you choose the most suitable policy. Here is what you need to do:

Log on to “www.fincover.com”
Enter your name, age and other details
Enter the covers and benefits you want
Choose “Buy Insurance”
Health insurance policies from various insurance companies will be displayed
Analyze and choose the policy best suited to your needs
Pay the premium using your preferred payment method
Check for confirmation in your registered email id. Make a printout of the policy for your reference.

Is medical examination required for all health policies?

Medical examination is required for some health policies depending on your age, health profile and the scope of coverage. The lower the age, the better the health profile and lower the sum insured, the less likely a medical examination will be required.

I am 70 years old and my wife is 67. Can I get a health insurance policy?

Yes. There are specialised health insurance policies for senior citizens and you can avail of individual or floater plans for yourself and your wife.

I had gone to Dubai and had to be hospitalized there. Will my health policy pay my expenses?

Hospitalization policies issued by Indian companies cover treatment expenses only within India. To protect yourself from unforeseen expenses like this in the future, you may buy a travel insurance policy which has a hospitalization cover as well.

Why should I buy health insurance?

You should purchase health insurance to avoid draining your personal savings in the event of sudden health complication. Your health insurance provider will take care of the medical expenses in the event of hospitalization.

Can I pay a monthly premium for health insurance?

Yes. The option to pay monthly premiums for hospitalization insurance has been offered recently. Please check the terms before you opt for it and remember, you need to keep your policy valid at all times by being prompt with premium payments.

Can I own multiple health insurance policies?

Yes, you can have more than one hospitalization insurance plan and you can make claims under them to avail higher coverage. However a combination of a basic policy and a top-up plan and/or a benefit based critical illness plan may be more beneficial.

How to increase the sum insured?

You can increase the sum insured for your health insurance policy at the time of renewal. The waiting period for pre-existing conditions and specified procedures will start at that time for the enhanced amount.

Can I get coverage my family under my health insurance?

Yes. You can get coverage for yourself, spouse, kids, parents and parents in law under the same policy. You can opt for individual sum insured for each or a family floater. .

Is there any advantage in purchasing health insurance at an young age?

Yes, there are many benefits in purchasing health insurance while you are young such as low premium, lower rejection rates, getting over with your waiting period, cumulative bonuses.

Is there a limit on the number of claims?

No, there is no limit on the number of claims. However, your sum insured is the limit of your annual cover.