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Significance of having a health insurance policy
Following are some significant benefits of a comprehensive health insurance plan
Financial Security
A health insurance policy can free you and your family from the financial burden that comes with a medical emergency, illness or health issues
Peace of Mind
Once you and your loved ones are covered under a health insurance plan, you will have peace of mind and can focus on getting the right treatment stress-free.
Access to Quality Healthcare Services
With the rising expenses of medical treatments, a health insurance policy can provide access to better quality healthcare services.
Altering Lifestyle
Having health insurance can shield you from diseases that may arise due to an altering lifestyle as with our current lifestyle we are faced with severe illnesses.
Eligibility Criteria for Purchasing a Health insurance policy
- An individual who is above the age of 18 years can typically be eligible to buy health insurance.
- In case of kids, kids above 90 days from their date of birth can be covered under the family floater plan (some plans also cover kids above 17 days)
- The individual needs to be an Indian citizen to avail health insurance in India
- The maximum age for buying a health insurance is 99 years
Rider Covers offered
Health insurance riders or add-ons are supplemental coverage that can be added to your health insurance to customise your plan and help you reap greater benefits. Some key riders that are generally preferred along with health insurance plan are mentioned below:
Critical Illness Cover -
with this add-on, you will be eligible for
- A lump-sum payment if you are diagnosed with a long-term or chronic illness like cancer, kidney failure, or stroke.
- Some companies offer this add-on for up to 50 critical illnesses.
Maternity Cover -
covers pregnant women who will be eligible for
- Getting medical treatment during childbirth.
- Some insurers also offer coverage for childcare under this add-on.
Hospital Cash -
with this add-on, you will be eligible for
- Non-medical expenses that occur during hospitalisation and are not covered under your regular health plan.
- Getting a daily cash allowance for a specific time period as per the limit specified in the policy document.
- The daily allowance amount usually ranges from INR 500 to 5000 per day, but may vary depending on your insurer.
Room Rent Waiver -
while a normal health insurance plan covers the room cost to a specified limit per day, with the room rent waiver, you can get
any room of your choice without paying an extra amount
OPD Cover -
an OPD cover can:
- Cover expenses of doctor consultation and medicines.
Personal Accident Cover -
a personal accident cover provides:
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Financial protection in case the policy holder meets with an accident.
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Through this add-on the coverage includes permanent total disability, permanent partial disability, total disability, or death.
International Second Opinion Cover-
this is a beneficial add-on in case:
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You are not satisfied with the treatment or recommendation by your existing doctor.
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You are looking for a second opinion or expert advice for your treatment.
Air Ambulance Cover -
with this add-on you can:
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Avail help in getting transferred to your hospital via air ambulance.
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Avail this service either nationally or internationally based on your policy terms.
Reduction in Pre-existing Diseases Waiting Period -
With this add-on you can:
- Reduce your waiting period for pre-existing diseases from 48 months to 24 months. The terms and conditions for this will vary based on your insurer.
Why People Don’t Buy Health Insurance, But They Should
There are many reasons individuals don’t prioritise getting health insurance. This is mainly due to a lack of awareness, thinking that the premiums are expensive and an unnecessary cost that can be worried about later.
But here’s why all these grounds don’t make sense.
Budget Constraints
According to Niti Aayog’s report, affordability is one primary reason why 30% of India’s population lacks health insurance. The premiums are perceived as too expensive.
So, those with budget constraints can consider cheap health insurance plans or Government health insurance schemes that offer essential coverage at lower costs. While these plans may have limitations, having some protection is always better than having none.
Why Insurance? I’m Healthy
Just because you feel healthy today doesn’t mean you won’t need medical care tomorrow. Accidents and unexpected illnesses happen, and costs for treatment continue to rise, so it’s better to have insurance coverage before something goes wrong.
I'm Covered By My Employer
Corporate health insurance is helpful, but it’s often limited. It may not cover everything or last forever—especially if you switch jobs. Having a personal health insurance plan ensures you're protected no matter what.
More Family Members to Cover
It may feel like you’re paying a lot to cover your family, but one medical emergency for a loved one could put you into a financial disaster. Family floater health plans provide coverage to your family at an affordable price so no one is left uninsured.
In short, health insurance isn’t an additional cost; it’s a necessity. The right plan can prevent you from overwhelming financial hardship while assuring that you and your loved ones receive optimal care when required the most.
What is the Ideal Coverage for Health Insurance?
Choosing the right health insurance coverage is more then just a number. It is financially securing yourself against unexpected medical expense.
How to Determine Your Ideal Coverage?
Experts suggest getting coverage of at least 35% to 50% of annual income. However, there is no one-size-fits-all approach; the ideal amount depends on various factors, such as age, income, and health risks.
To start with, you can aim for a sum insured of ₹5-₹10 lakhs and increase it, depending on your financial capacity and future risks.
Income Based Approach
Let’s say your annual income is ₹10,00,000. Ideally, you should buy health insurance with a sum insured of ₹5,00,000 and above. If your income is lower, you can choose accordingly, but make sure to have a policy that offers at least basic coverage.
Age And Life Stage Considerations
| Life Stage | Recommended Coverage | Why It Matters? |
| Young Adults (18-30 years) |
₹5-10 lakhs | Covers basic medical needs, accidents and emergencies |
| Middle-aged (31-50 years) |
₹5-10 lakhs | Ideal for covering family lifestyle diseases and maternity expenses. |
| Senior Citizens (51+ years) |
₹15-25 lakhs | Crucial for chronic conditions, hospitalisation and regular medical care. |
Why Compare Health Insurance Plans Online?
Buying health insurance is not about choosing the first plan offered. Comparing all the health insurance plans online helps you make a more thoughtful decision.
Get the Best Coverage According To Your Budget
All health insurance plans are not the same; some have a lower premium but high out-of-pocket costs, while others might have relatively high price ranges but better coverage. Always compare all the policies online to find the balance between price and benefits.
Save Time & Effort
Earlier, buying insurance policies required meeting agents or going to insurance offices. But now, with just a few clicks, you can compare different plans, view coverage details, and even read customer reviews.
Understand What you’re Paying For
Reading the policy fine print is necessary. Online comparison will allow you to check all the inclusions and exclusions thoroughly. This way, the policyholder would know what to expect as coverage—hospital stays, doctor visits, pre-existing conditions, etc.—and what is not. No hidden surprises later!
Find Exclusive Online Discounts
Many insurance companies offer discounts on their websites. So, to get better deals, you can opt to buy a health insurance plan online.
Benefits of Buying Health Insurance Plans Online
Buying health insurance online is fast, and easy, and sometimes even offers the best deals. This is why it is a smart choice:
Convenience
No need to meet agents or visit offices—compare, choose, and buy from anywhere at any time.
Better Prices
Many insurers offer discounts solely for online purchases so you save a lot.
Comparisons
You can check plans side by side, ensuring you get the best one that caters to your requirements.
Instant Policy Insurance
No long waiting periods; get covered immediately with minimal paperwork.
Transparency
You have detailed information about premiums, coverage, exclusion, and terms handy so that you can make a rational choice.
Buying health insurance online gives you control, flexibility, and savings—all in just a few clicks