Covid Pandemic – An Alarm to Buy Health Insurance..!!!

Health Insurance helps an individual to be financially protected from all the medical expenses in case of hospitalization. Today a quality healthcare treatment is super expensive, hence health insurance has become a basic requirement. An adequate health insurance policy helps a person to concentrate more on his own health recovery rather than thinking of how to pay the huge bills in case of hospitalization.

Through health insurance, a person can take cashless treatment from the network hospitals without spending a single penny from his pocket. At the same time, he can avail tax benefit u/s 80D and thereby reduce his tax liability.

Importance Of Health Insurance

Medical emergencies like accidents or illnesses are inevitable. We all have seen the aftermath of covid-19 pandemic. Today young people have become more prone to lifestyle diseases like diabetes, blood pressure, obesity etc. due to their sedentary lifestyle. With the increase in inflation of the country, cost of medical expenses has also increased with leaps and bounce over the last decade. Today medical treatment costs are sky high due to the increased demand of quality healthcare treatment, especially in private hospitals.

Therefore, a health insurance policy will guard you financially against such increased cost of medical treatment during any medical emergency without compromising on the quality of your treatment.

  • Health insurance gives you comprehensive coverage to you and your family against costly medical treatments without draining your lifetime savings.
  • It helps you to avail quality treatment in the best hospital without worrying about hospital bills and medical inflation.
  • It also covers cost of PPE kits, masks, ventilator, ICU charges during a covid hospitalization
  • You can also avail tax benefit on the premium paid up to ₹75,000 u/s 80D of the Income Tax Act, 1961. Read more about tax benefit.

Major Benefits Of Health Insurance

Changes in the current lifestyle and pollution is impacting our lives daily. People are falling sick more often, thus increasing the treatment costs at the hospitals. Health insurance can only be the saviour for such expensive medical costs.

Let’s look at the major benefits provided by most of the health insurers in the market:

Cashless Treatment

Without spending a single penny from his pocket, a customer can avail cashless treatment from the network hospitals of the insurance company.

Pre / Post Hospitalization Expenses

Health insurers also cover all the expenses before hospitalization and after getting discharged from the hospital for a specific period.

Tax Benefits

Policyholders can also avail tax benefit u/s 80D and reduce his tax liability while filling his tax.

Daily Hospital Cash

Some of the health insurers provide upto a specific amount as daily cash to the policyholder or his family to cover other expenses like food and travelling.

Restoration Benefit

Many health insurances come with this benefit where once the policyholder utilized the entire Sum Insured amount, then the insurance company refills the Sum Insured for further utilization in the same year.

No Claim Bonus

This is a type of reward that a health insurer would provide to its policyholders for every claim free year.

Free health Check-Ups

Many health insurance companies provide complementary health check-ups to its policyholders at renewals.

Organ Transplant Expenses

A health insurance company also cover expenses related to organ transplant surgeries.

Modern Treatment Expenses

A health insurance will also cover expenses for modern treatments like stem cell therapy, oral chemotherapy, etc.

What Are The Types Of Health Insurance Plans?

We all go through different life stages. The requirements change as we go along the life stage. For e.g. When you are single, there is not much responsibility unlike when you are married with a kid, where there is extra responsibility and greater financial risk. Also, when we grow old, the requirements are completely different as age comes with several illnesses and medicines.

There are plans that will rightly cater to different requirements of human life stages, and we should choose the one that’s most beneficial to our own requirements.

Individual Health Insurance

Get an individual health policy that provides coverage for hospitalization, surgery, and various medical expenses of a single individual insured in the policy. The coverage amount is entirely available to the insured person.

Family Floater Health Insurance

Family floater plans are affordable health insurance for your immediate family, which cover all the insured family members with a floating sum insured, where every member can utilise the coverage amount without any restriction.

Senior Citizen Health Insurance

This health insurance plan is designed typically for ageing parents above 61 years and suitable for those coping with age-related illnesses and other medical conditions. It ensures financial security by providing a high coverage .

Maternity Insurance Plans

Maternity insurance cover is recommended for those planning to embrace motherhood in the future. Get a coverage which would sufficiently cover all maternity-related expenses, like delivery charges, room rent, day care treatment, pre and postnatal care, with new-born baby cover.

Diseases Specific Health Insurance

Opt for this health insurance plan and get comprehensive coverage for managing your pre-existing medical conditions. Choose our customised health insurance plan designed for people having diabetes and high BP & BMI.

Critical Illness Plans

Choose the indemnity-based critical illness health insurance that provides comprehensive coverage for critical ailments, including cancer. Stay financially secure by getting cover for expensive medical treatments. Invest early in life as it will secure you in the hour of need.

Group Health Insurance Plans

A corporate health insurance plan or Group Health plan is a type of insurance that covers groups in professional organizations from various risks such as employees’ health, accidents, financial losses, and more.

Coverage Offered By Health Insurance Policy

In-Patient Hospitalisation Costs

Medical expenses incurred during hospitalisation for more than 24 hours, which includes room rent, doctor’s or surgeon’s fee, medicine costs, etc. are covered as per the policy terms.

Pre and Post-Hospitalisation Expenses

Health insurances cover expenses incurred before and after hospitalisation for a specific time period.

Day Care Treatment

Medical treatments such as angiography, dialysis, radiotherapy, eye surgery, chemotherapy, etc. are considered as Day Care Procedures. Some of the health insurance policies cover this type of medical treatment.

Pre-Existing Diseases

Some of the insurers do not cover pre-existing diseases such as diabetes, high blood pressure, while some of them do cover with a waiting period of 2-4 years of continuous coverage with the insurance company.

Critical Illness Treatment

Based on the type of medical insurance policy, critical illnesses such as cancer, stroke, artery diseases, paralysis, amongst others are covered. Check with your insurance provider before buying the health insurance if these critical illnesses are covered. Some insurers may offer it as an additional feature with an additional premium.

Preventive Health Check-up

You can make use of the health check-ups provided by some of the insurance companies. Typically, this benefit is available after the waiting period. It’s a good idea to check if the insurance company offers routine health check-ups so that you are aware of your current health condition.

Ambulance Cost

Many insurers cover ambulance costs for transportation of the insured person in case of a medical emergency.

Organ Donor Expenses

Health insurance covers the medical and surgical expenses of the organ donor while harvesting a major organ from the donor’s body.

Domiciliary Hospitalization

Some insurance companies cover the cost of the medical treatment availed at home with certain conditions. Get complete information from your insurance provider before buying.

AYUSH Benefits

Alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy, popularly known as AYUSH treatments are also covered in health insurance policies with a minimum of 24 hrs of hospitalization.

OPD Treatment

Out-patient treatment is generally not applicable in health insurance, although some insurance companies do offer the feature on payment of an additional premium. This includes costs towards diagnostic tests, pharmacy bills and doctor consultations.

Adventure Sport Injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Health insurance plans do not cover accidents encountered while participating in adventure sports.

Self-Inflicted Injuries

If you ever end up causing injury to your precious self, then unfortunately health insurance plans will not cover for self-imposed injuries.


It can be disastrous and unfortunate. However, the health insurance plan does not cover any claim that is caused due to wars.

Participation In Defence Operations

Health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations.

Venereal Or Sexually Transmitted Diseases

Though these diseases are critical, health insurance plans do not cover them.

Treatment Of Obesity Or Cosmetic Surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.

Things to consider before buying a Health Plan

As per the study, medical expenses are increasing by 17% every year. Thus, it’s extremely vital to take a health policy right away. A health insurance not only protects you financially during an illness, but also during events like accidents, which can occur at any age, at any time.

While choosing a health plan, we need to think through few things like: 

1. Coverage Amount: This can be determined based on the location/city that you stay in.

For eg., people staying in Tier I cities (or metro cities) must have a base of ₹10 Lacs cover, while others at Tier II & III must have at least ₹5 Lacs of health cover.

2. Family Floater or Individual Plan: Depending upon the number of members in your family, decide what’s best for you.

Generally, in a family floater plan, you can include your spouse, children and even parents. Thus, all the members of the family are dependent on a single cover. On the other hand, in an individual plan, each member of the family has a separate fixed cover amount. You can compare the premium and total benefit between the two and decide what suits your requirement. 

3. Room Rent Caps & Sub-limits: Caps or sub-limits are certain thresholds set on various expenses. Some insurance providers may or may not come with such sub-limits on hospital room rents, which should be understood properly before buying the health plan. You can find health plans which will have no sub-limits on room rents, that will allow you to stay in the choice of your room when hospitalized.

4. Copay and Deductibles: There are certain health plans which will come with copayments or deductibles, which means a part of the claim amount needs to be paid by the customer first and then only the rest amount will be paid by the company. The premium for such plans will be little lower than the usual one.

5. Option for Cashless Claim: At a time of medical emergency, nobody likes to run around collecting documents and filling reimbursement forms. Every health insurance provider is tied with certain hospitals that give cashless treatments, making it hassle-free for the customers. 

6. Waiting Period: As per health insurance norms, there is certain waiting periods that needs to be abided, like

  • an initial 30 days waiting after a new policy is bought,
  • there is 24 months waiting period for specific diseases like cataract, hernia, joint replacement etc.,
  • A 36 or 48 months waiting period will be imposed for any pre-existing diseases (PED) 

How To Choose The Right Health Insurance Company?

In the present days, where there are too many players in the market trying to prove that they are the best insurance providers, it is really confusing to choose the best one. Following points will help you make wise decisions towards financial protection for your family against medical emergencies.

  • Claim Settlement Ratio: This talk about % of claims that have been settled by the insurance company in a particular year. That’s why we should choose the company who’s claim settlement ratio is high. A higher claim settlement ratio ensures that the health insurance company would not reject your claim.
  • Company’s reputation and stability: A good company would always try to retain the top position among its competitors. Always start by looking at the number of years that the company is there in the market, its Claim Settlement Ratio, Incurred Claim ratio to understand the financial stability of the company.
  • Maximum Age Renewability: Do check for how many years the company allows renewability. This is because at younger age, there might not be much usage of health insurance, but as age increases, dependency on a health plan increases. So, make sure that you choose a health plan, where you can renew your policy for a longer term.
  • Claim Settlement Process: Choosing an insurance company that offers a smooth claim settlement process is very important as no one would want to get involved in time taking or complicated processes at the time of emergency. It is always recommended to go for an insurance company that has lesser claim formalities so that you can save time and effort.
  • Customer Service Quality, Feedbacks and Reviews: Knowing reviews from the existing policyholders about a health insurance company helps you make an informed decision. For this, you can read customer reviews for different insurance companies at their websites and go for the company that has most of the positive feedback. It is always good to choose a company which offers 24X7 customer support so that you can anytime get your queries resolved.

Factors Affecting Health Insurance Premiums

1 Age

Higher the age, higher is the premium due to increased health risks.

2 Medical History

Any previous health issues or diseases like diabetes, Blood Pressure, Heart Problems, premiums in such cases will go high due to the higher risk.

3 Sum Insured

Higher the coverage you need, higher the risk the company takes to cover you financially. Hence higher is the premium.

4 Location

Health insurance companies charge different prices based on the city that we leave in. Most of them differentiate premiums based on Zones, i.e., Tier I (major metro cities), Tier II (other than metro cities) and Tier III cities (comprising towns and sub divisions). Tier I has the highest premium and Tier III has the lowest.

5 Add-on Benefits Opted

Sometimes people choose extra coverage in the form of riders like Accidental Rider, Critical Illness Rider, Hospital Daily Cash rider, etc. Such extra benefits come with an extra premium.

How To Claim Health Insurance Online?

File your claim in either of the two ways – Cashless or Reimbursement

Cashless claims can be made by following the steps given below:

Step 1: Intimate the insurance company or TPA within 24 hours of hospitalisation in case of emergency, and 48 hours prior in case of planned hospitalisation. Customer Care will guide you through the required process.

Step 2: Fill the pre-authorization form.

Step 3: You will receive an approval letter once your documents have been verified.

Step 4: The insurance company will settle the bill for you directly at the network hospital.

You will be required to follow below steps to make a reimbursement claim:

Step 1: Go to the Claims Section in the company website and download the claim form or contact the TPA.

Step 2: Submit the claim form and the relevant documents. You can also call up the toll free customer care number to get proper guidance.

Step 3: You will receive an approval letter from the claim management team of the insurer.

Documents Required For Reimbursement Claim

  • Valid Identity Proof
  • Duly signed Claim Form
  • Doctor’s prescription recommending hospitalization
  • Original pharmacy bills
  • Prescription for medicines and diagnostic tests
  • Ambulance Receipt
  • First Information Report (FIR), in case of accidental hospitalization and wherever applicable
  • Policy Document
  • Any other document specified by the insurer/TPA

Some of the Popular Add-Ons In Health Insurance Policy

Critical Illness Cover

For illinesses link Cancer, Heart Diseases, etc.

OPD Care

For Consultation, tests, medicine, etc.

Reduction in PED Waiting Period

Reduce waiting period for pre-existing diseases

See More Add-ons

Save Up to 20%* on Health Insurance Premium


*Standard Terms & Condition Apply. Premium discount is provided by insurer for a 3-year policy and 4 or above insured family members. CIBPL/Health/WebBanner/English/Dec-21/001

FAQs on Health Insurance

I’ve health insurance from my company. Do I need a separate health insurance policy?

Yes. You do need a personal health insurance plan as your employee health insurance covers medical expenses only till the time your employment is valid in the organization the moment you leave the job your policy term ends. Looking at the medical inflation it is important to have a personal health insurance plan, which you choose as per your medical needs unlike a corporate health plan which is commonly designed for all employees.

What are the benefits of the health insurance portability for the policyholders?

Portability helps you change your health insurance plan so that you don't have to again go through a fresh waiting period term instead smoothly move from one insurer to another if your current plan is not helping you cover rising medical costs.

What do you mean by pre-existing disease?

A pre-existing disease is a condition, ailment or injury that already exists at the time you buy a health insurance policy and these PEDs are generally excluded from the policy coverage for an initial waiting period. It could be diabetes, hypertension, thyroid, asthma etc.

In a health insurance policy, what does cashless hospitalisation mean?

Cashless hospitalization is a process wherein the insured person doesn't have to pay a medical expenses out of his pocket in case of a hospitalization or surgery and the entire . However, you may have to pay certain deductibles or non medical expenses at the time of discharge.

What are pre and post-hospitalisation expenses?

Whenever you plan to have a surgery there are certain pre hospitalization expenses such as diagnosis cost, consultations etc similarly post discharge there could be similar expenses to monitor the health of the insured patient, such expenses are termed as pre and post hospitalization expenses.

Do I have to undergo any medical examination before buying health insurance?

Yes, you may have to undergo medical tests before buying health insurance. Also, some health insurance policies ask for it only if you have a pre existing illness or you are above 40 years old

How can I add my family members to my existing policy?

You can add your family members at the time of buying the policy or at the time of renewal.

At what age can I include my children in the plan?

You can include your child post 90 days of birth up to the age of 21 or 25 years. It varies from company to company, so please go through plan eligibility from the product brochure.

Can my 3 year old kid have a health insurance plan?

A minor below the age of 18 years can not buy a health insurance policy. Hence they can buy an individual health insurance plan for themselves once they are 18 years old. However, they can get themselves covered under a family floater health insurance plan before the age of 18 years.

What is the benefit of buying health insurance at a young age?

You get to pay a lower premium and higher benefits. Probability of having a pre-existing illness is low hence waiting periods may also not impact you. Also, common illnesses such as flu and accidental injury can happen at any age so staying covered even when you are young is important.

Can a person have more than one health insurance policy?

Yes. You can always have more than one health insurance plan based on necessity and coverage requirements as every plan works differently and offer varied benefits

What do you mean by waiting period in health insurance plans?

Waiting period is the time span during which you cannot register a claim to avail some or all benefits of the health insurance from your insurance provider for a specified illness. This means you must wait for a specified amount of time before you make a claim.

What is a free look period?

This is the period where you have the option of cancelling your policy without any penalty if you feel the policy is not meeting your requirements. Depending on the insurance company and the plan offered, the free look period can be 10-15 days or even longer.

What do you mean by network/non-network hospitalization?

Network hospitals often referred as cashless hospitals are tied up with your insurance company due to which you can avail cashless hospitalization benefit, however, whenever you get admitted at a non-network hospital you have to pay the bills first and later claim for reimbursement. Always choose a health insurance company which has a large network hospital tie-up.

What is domiciliary hospitalization?

When the insured person is in such a state that he/she cannot be moved to a hospital or the treatment is taken at home due to non-availability of room in the hospital is termed as domiciliary hospitalization

What are the benefits under normal hospitalisation?

Expenses like pre- and post-hospitalization expenses for your diagnostic tests, consultations, and medicine costs are covered. Insurers would also cover ICU, bed charges, medicine cost, nursing charges and operation theatre expenses.

What is the right age to buy health insurance policy?

There is no right or wrong age to buy a health insurance policy. However, it is recommended to buy a health plan early to get lower premiums. You can buy a health insurance plan for yourself once you are 18 years old. Before that you can get yourself covered under a family health insurance plan.

Can a minor buy Health Insurance?

No. Health insurance cannot be bought individually by a minor, however the parents can cover the child under their family floater health insurance.

What to do if I’m admitted to a non-network hospital?

Whenever you get admitted at a non-network hospital you must pay the bills from your pocket first and later claim for reimbursement from your insurance company. However, your health insurance company will provide reimbursement only up to the amount of Sum Insured. Always choose a health insurance company which has a large network hospital tie-up.

Do health insurance plans cover diagnostic charges like X-ray, MRI or ultrasound?

Yes. Health insurance plans are designed keeping in mind the modern medical requirements. Hence, we cover diagnostic expenses incurred on X-ray, MRI, ultrasound, blood investigations etc. All health insurance plans cover diagnostic charges during hospitalization, pre-hospitalization and post discharge as well.

When we buy a health insurance policy from your website, will we get a cashless card?

Buying a health insurance plan online is no different than receiving a policy copy physically, in fact buying online is quick and hassle-free. You do get your cashless card via courier/postal services. To know about cashless hospitals you can visit the company website or dial customer care number.

What are the expenses covered under hospitalisation expenses?

We cover medically necessary expenses such as blood investigations, diagnostic charges such as CT scan, MRI, sonography etc. You also get covered for hospital room rent, bed charges, nursing charges, medicines and doctor visits

Do health insurance policies cover robotic surgery & modern treatments?

Yes, Most of the health insurance policies offered by companies do cover modern treatments and robotic surgeries.

Can the nominee be changed in the mid-term of the policy?

Yes. You need to raise an endorsement request and ask for a change in nominee details.

What happens when policy lapses during hospitalization?

You do not have to worry if your policy has got lapsed during hospitalization as you get a grace period of 30 days post expiry, however if you do not renew your policy within the grace period and hospitalization happens post grace period then you policy lapses and you will have to pay for the medical expenses.

If I increase my sum insured at the time of renewal, does a waiting period apply?

Waiting periods are applied right at the inception of the policy. It doesn't really change with renewal. However, with every renewal you tend to waive off the waiting period until you reach a time when you have no waiting period and your policy covers you for most of the treatments.

I am a foreign citizen? Can I take a health policy for my child who is continuing further studies in India?

Yes. You can, only if your child is an Indian citizen. Or else you must get student travel insurance for your kid.

How does smoking or chewing tobacco affect health insurance premiums?

Consumers of tobacco are exposed to higher risks! If you consume tobacco in any form, there are high chances that you may develop some ailment at a later stage for which you might have to claim the treatment cost. Hence, insurance companies look at such individuals as high-risk category and charge high premiums.

What is a cumulative bonus in a health insurance policy?

Cumulative Bonus as the name goes is the bonus/ reward that one gets for remaining fit and not filing a claim. The benefit of cumulative bonus is granted in the year of renewal by making an increase in the sum insured amount, only up to a certain year for every claim-free year. This helps you avail higher Sum Insured without paying anything extra.

What are the discounts available in a health policy?

With many companies you get a family discount if you cover 2 or more family members under a single health plan on an individual sum insured basis. You can also avail long term policy discounts on buying health insurance for more than 2-3 years. Some insurers also offer fitness discounts on renewals.

Can my friend buy a health insurance policy if he/she is not an Indian national but living in India?

Ideally No. Health insurance plans in India are offered to Indian citizens only.

Can I cancel my health insurance? Will I get my premium back in that case?

If you cancel your health insurance plan within the free look period you will get your premiums refunded, after adjusting underwriting cost and pre-acceptance medical costs, etc.

Does every network hospital provide a cashless facility?

Yes. Network hospitals have a pre-agreed tie-up with your insurance company hence every network hospital offers a cashless treatment facility.

What is the maximum number of claims allowed over a year?

There's no limit on the number of claims. If your sum insured gets exhausted then you may not be able to raise claims. We recommend buying plans that help you by offering coverage post sum insured gets exhausted by restoring the lost sum insured. This helps you register more claims in a year.

Can a request for authorization for cashless claim be rejected/ repudiated?

Yes. There is a possibility that your pre-authorization request for cashless claim may get rejected if you have filed a claim for an ailment/disease which is either permanently excluded, falls in waiting period or if your sum insured has exhausted.

Does a claim have to be lodged or made in a specific time frame from the time of the accident?

For reimbursement claims you need to intimate the insurance company within a period of 30 days post discharge.

What is a claim settlement ratio?

The claim settlement ratio (CSR) is the percentage of the number of claims that the insurance company paid out during a financial year out of the total claims incurred. It reflects if the insurer is financially capable to pay for its claims.

The claim settlement ratio (CSR) is the percentage of the number of claims that the insurance company paid out during a financial year out of the total claims incurred. It reflects if the insurer is financially capable to pay for its claims.

What happens to the policy after the claim is filed?

Your policy continues as is only the amount you claimed for gets deducted from your sum insured. However, post renewal your sum insured again gets back to what you had opted for at the time of renewal

Does a higher cover provide privileged treatment in case of hospitalisation and claim?

Not really, however, having a high cover health insurance like ₹1 crore health plan helps you tackle all the possible medical expenses. You don't have to worry about rising medical expenses at all.

How do I claim health insurance?

You can raise either a cashless claim request by contacting the insurance department at the network hospital or inform your insurer post discharge about the hospitalization and send invoices to avail reimbursement benefits.

How long do you have to file medical insurance claims?

You need to intimate your insurer/raise a claim request as soon as possible, maximum time is 30 days post discharge.

What is the medical claim process?

Mediclaim process is the modern day reimbursement process, wherein you raise a claim post discharge by submitting original invoices and treatment documents

Is there any waiting period for claims under a policy?

Yes. There are waiting periods depending upon the policy. Usually there is a waiting period for specific ailments/diseases which could be for 2-4 years.

Why do I need a health insurance policy?

With the development in technology, treatments and the availability of more effective medicines the cost of healthcare has steeply increased. All this increase ends up being a burden for the consumers, making healthcare unaffordable for many. This is where health insurance policies come into play, as they take care of the hospitalization and treatment charges, leaving the consumer free of financial woes. Get yourself a health insurance plan now.

Is my health insurance policy transferable without losing renewal benefits?

Yes. You can port your health insurance policy with any other insurer without impacting your waiting periods.

If I increase my sum insured at the time of renewal, does a waiting period apply?

Waiting period is fixed at the inception of the policy; it is not dependent on the sum insured. Hence, even if you increase your sum insured your waiting period continues until you keep renewing to get away with the waiting period term.

Do I get a discount on the renewal of the policy with the same health insurance policy?

Yes. If you have not made any claims for the entire policy term, then you get a cumulative bonus, which gets added to your base cover, thus increasing your total coverage at no extra cost. You may also get a fitness discount on your renewal premiums provided your health parameters such as BMI, diabetes, Blood pressure, etc., are improved.

If my policy is not renewed in time before expiry date, will it be denied for renewal?

Possibly yes. If you do not renew your policy within the grace period, then your policy lapses, and all the benefits are ceased immediately. In that case you need to buy a new health plan and you lose all the benefits that you may have accumulated in the last.

Is it possible to modify my add-on cover while renewing my health insurance policy?

Yes. You can add or remove optional/add on cover at the time of renewal only. This is not permitted during the policy tenure.

Is there a grace period for renewal?

You usually get a grace period of 30 days to renew so you can renew within the grace period, however if your grace period is also over then your policy lapses and you need to contact your insurer for renewing the expired health insurance plan.

How long does online renewal of a health insurance policy take?

It takes less than 5 minutes to renew a health insurance policy online. Keep your policy number and other few details ready and get your policy renewed here.

What to do if the health insurance policy renewal date is missed?

You get a grace period of 15-30 days to renew so you can renew within the extended period. However, if your grace period is also over then your policy will lapse ceasing all the benefits. You now must buy a fresh policy with a fresh waiting period and other benefits.

Will a health insurance plan cover expenses related to Covid-19?

Yes. Health insurance plans will cover hospitalization expenses related to Covid-19 treatment. You can also buy covid specific health plans like Corona Kavach or Corona Rakshak to get adequate benefit.

What is personal accident insurance?

Such insurance policy provides coverage for injury, disability or death due to an accident. Such policies will give lump sum compensation depending on the severity of health damage.

What is critical illness coverage?

While mediclaim takes care of ordinary hospitalization expenses, a critical illness policy gives coverage for treatment of critical illnesses like cancer, stroke, coronary heart disease, major organ failure, paralysis, etc. In such policies the insurers agree to pay a lump sum amount on diagnosis of such dreadful disease, which otherwise are excluded in a normal policy. General and health insurance companies provide critical illness cover for 1-5 years, which implies that you can avail ample coverage for longer term.

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