Health Insurance - A Quick Guide

The escalation of diseases, their treatment and expenses have led way to the real need for health insurance. It is essential to have health insurance for you and your family but before you purchase one, you should know each and every detail of the policy ranging from benefits to exclusions. It is must to know the health insurance terminology to make the most out of your plan.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “CONTINUE”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
       

      In-Patient Treatment

      It is the case wherein the patient has been admitted in the hospital for more than 24 hours. Typically it provides a cover for room rent, boarding expenses, ICU, doctor’s fees, medicines, diagnostic procedures etc.

      Pre-Hospitalization

      Pre-hospitalization covers the expenses under diagnostics, medicines and consultation in reference to the treatment received before hospitalization. All these medical expenses incurred due to illness are reimbursed when the claims are accepted by the insurer. This cover is valid for 30 days prior to hospitalization.

      Post-Hospitalization

      Once the insured is discharged, the post-hospitalization expenses in relation to the treatment are covered under this section. This cover is valid for 60 days post hospitalization. It includes the cost of medicines and consultancy etc.

      Domiciliary Hospitalization

      At times, the insured needs to get medical treatment at home. Such a treatment is allowed only under the following two reasons –

      • Could not be transferred to a hospital, or
      • The hospital bed was unavailable

      All sorts of medical expenses incurred during such treatments are covered under domiciliary hospitalization. The pre-requisite for this cover is that the patient needs to get a doctor’s recommendation and his illness should continue for at least 3 days.

      Diseases not Covered Under Domiciliary Hospitalization:

      Brain-related disorders (Epilepsy, Hypertension, Psychiatric or Psychosomatic Disorders etc.), diseases related to respiratory disorders (Asthma, Bronchitis, Cough and Cold, Influenza etc.), bone related disorders (Arthritis, Gout and Rheumatism) and kidney disorders (Chronic Nephritis, Diarrhoea, Dysenteries, Diabetes Mellitus etc.).

      Day Care Treatment

      Because of technological advancement, there are many diseases, the treatments of which do not require the patient to get admitted for 24 hours. Such cases are a part of in-patient treatment but because of the shorter time, these are categorized as day care treatment. The list of day care procedures covered may vary from one insurer to the other.  Few popular procedures under this section are - cataract eye surgery;  operations on the nose & the nasal sinuses; operations on the tonsils & adenoids;  cancer chemotherapy;  lithotripsy (kidney stone removal) etc.

      Organ Donor Expenses

      Donating organ is a noble cause and thus insurance companies provide a cover for the medical expenses on the treatment and recovery of the individual who volunteers to donate the organ. The pre and post hospitalization expenses of the donor are not considered under this feature, but yes all the medical expenses of the insured are taken care of by the insurer. They might not include the complications, which are likely to arise during the transplant process.

      Waiting Period

      When you buy health insurance, there is a waiting period of around 1 to 3 months, depending on the insurer. During this activation period, the insured is not provided with a cover for any illness apart from accidents.

      Health Insurance Portability

      With health insurance portability, one can change his/her insurance company without fear of surrendering the benefits of the waiting period. You can shift your company during the renewal processor when buying new insurance. It has become an integral part of health insurance from October 2011.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Monkeypox: Dos and Don’ts of the Disease That You Should Know

      15 Sep 2022

      Monkeypox has slowly and steadily spread to more than 85 countries...
      Read more
      Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

      06 Sep 2022

      As we grow old, the chances of developing a disease or a medical...
      Read more
      Benefits of Multi-Year Health Insurance Plans

      25 Aug 2022

      Ever since COVID-19 entered our lives, health insurance has come...
      Read more
      Does Health Insurance Cover Monkeypox?

      25 Jul 2022

      Monkeypox is the latest disease to make its way to India while we...
      Read more
      List of Diseases Covered by Bajaj Allianz Health Insurance Plans

      05 Jul 2022

      Barely any person has remained unaffected due to rising health...
      Read more
      PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
      Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
      Read more
      Best Health Insurance Plans in India 2022
      Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
      Read more
      Best Maternity Insurance Plans
      Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
      Read more
      Best Health Insurance Plans for Senior Citizens in 2022
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL