Health Insurance
Why Do I Need Health Insurance?
Health insurance protects your personal finances during a medical emergency. Here are a few reasons for needing health insurance -
Financial Protection
Health insurance helps you manage and reduce the high costs associated with medical treatments, hospital stays, surgeries, and prescription drugs.
Cashless facility
Health insurance policy enables you to avail cashless facility for various medical treatments.
Access to Quality Healthcare
Health Insurance ensures that you have access to a network of healthcare providers, specialists, and facilities, allowing you to receive quality medical care.
Preventive Care
Few health insurance plans cover preventive services like vaccinations and screenings, which can help you maintain better health and catch issues early.
Long-Term Health
Health Insurance encourages regular check-ups and early treatment, which can contribute to better long-term health outcomes.
Family Protection
Health insurance can be extended to your family, ensuring that your loved ones also have access to medical care when needed.
Coverage for Critical Illnesses
Health Insurance provide coverage for critical illnesses such as cancer, heart disease, or diabetes, which can be expensive to treat.
Tax benefits
According to Section 80D of the Income Tax Act 1961, the premium paid towards your health insurance policy is eligible for tax deductions.
Peace of mind
With a health insurance policy, you can focus on what really matters – i.e. rest and recovery.
Wellness Program Offered with Our Health Insurance Plans
You can add a Wellness Program to your health insurance, which includes the following services :
1. Value Added Services
- Cashless Tele Health Consultation
- Mental Health Helpline
- Medical Second Opinion
- Diet Management
- Calorie trackers & Sleep Tracker
- Fitness & Yoga Session
- Guided Meditations and Mental Health Podcasts
- Online Health Quiz, Expert Webinars
2. Discount on Services
- E-pharmacy
- Health check-ups and Diagnostics
- Dental & Home Care
- Nutritional Counselling
- Financial & legal Wellness Consults
- Metabolic Profiling for personalized recommendations
3. Rewards
- We are providing redeemable points for participation in healthy habits like Yoga, Gym Swimming, Diet plan, Meditation, Preventive Check-ups, and Disease Management Plan etc.
Inclusions : Coverage offered by Our Health Insurance Policy
The benefits offered by our health insurance are extensive. Some of them include -
Hospitalization charges
Hospitalization charges
Pre and post-hospitalization
Includes pre and post-hospitalization medical expenses for true peace of mind.
Day-care procedure
Our health insurance covers wide range of planned day-care treatments.
Laboratory services
Health Insurance covers expenses for lab tests and X-ray services.
Prescription medicines
Health Insurance covers cost of prescribed medications consumed during treatment.
AYUSH treatment coverage
Health Insurance covers AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatments.
Ambulance charges coverage
Our health insurance policy covers ambulance expenses for emergencies or hospitalization.
Critical illness
Health Insurance cover expenses for treating critical illnesses.
Pre-existing medical conditions
After completion of particular the pre-existing diseases/treatments will be covered. Some health insurance policies have waiting periods before certain benefits become applicable.
Exclusions: What’s Not Covered By Our Health Insurance Policy?
Our health insurance policy will not provide coverage for the following –
- Cosmetic or Obesity treatment
- Pregnancy-related conditions
- Injuries caused due to self-harm or suicide attempt
- Injuries suffered due to adventure sport, war, nuclear explosion, defence operations