Health Insurance

A health insurance policy covers medical expenses for illnesses or injuries. 

A reliable health insurance plan protects you from sudden medical expenses. It reimburses your bills or pays the medical care provider directly on your behalf. 

A comprehensive medical insurance covers the cost of hospitalisation, daycare procedures, medical care at home (domiciliary hospitalisation), ambulance charges, amongst others.

A health insurance plan helps you stay covered against various diseases. Additionally, it helps you boost tax savings. Under section 80D of the Income Tax Act, 1961, you can claim tax benefits against your health insurance premium.

What are the benefits of a health insurance policy?

A comprehensive health insurance plan in India comes with many advantages.

• Covers pre and post hospitalisation - One of the key benefits of a health insurance policy is that it covers your medical expenses incurred just before and after hospitalisation.

• Covers pre-existing diseases - A health plan covers you for a pre-existing disease once you have completed the waiting period mentioned in the policy certificate.

• Provides cashless treatment - At the time of hospitalisation, you don’t have to worry about arranging cash to pay your hospital bill. Your health insurance company will settle it directly with the hospital if it is in their network.

• Lets you claim tax benefit - You can claim a tax benefit on health insurance premium under section 80D of the Income Tax Act, 1961.

• Covers ambulance expenses - Comprehensive health insurance also pays for your ambulance expenses during a medical emergency.

• Provides additional sum insured - Keeping healthy has its own benefits. You can enjoy additional sum insured for every claim-free year as per the policy certificate of your health plan.

Key Benefits - 

• No limit on hospital room rent - Our ISP's Complete Health Insurance policy has no sub-limits on hospital room rent. In case you opt for a private ward, we will bear its expenses. 

• Free health check-up every year - Our ISP's Complete Health Insurance plan provides you with a complimentary health check-up coupon per policy year. If you have a floater policy for family, you get two free coupons every year for your medical check-ups. 

• No co-pay clause - A co-pay is a fixed sum that you usually pay out-of-pocket for your medical services, and the insurance company takes care of the remaining amount. There is no co-payment clause under Our ISP's Complete Health Insurance. That means, you won’t have to worry about the medical expenses eating into your savings. 

• Wellness program - You earn reward points for undertaking some wellness activities. These include joining a gym or a yoga centre, going for a medical check-up, participating in a health or fitness event organised by us, etc. You can redeem these points on your OPD bills for doctor’s consultation, medicine and drugs, diagnostic expenses, dental expenses, etc. 

• Domiciliary hospitalisation - In case the insured has to undergo medical treatment at home either because no room is available in the hospital or the patient can't be moved to one, we cover that expense too. 

• Discount on premium - You save up to 12.5% on our Health Booster policy by paying the premium for 3 years in one go. 

• Cumulative bonus - You enjoy 10% additional sum insured on every claim-free year with our Health Booster policy. You can get up to 50% cumulative bonus with us. 

• Flexible sum insured - You get to choose your sum insured from ₹1 lakh to ₹5 lakh depending upon your health needs. 

• Ambulance charges - Your ambulance expenses will be covered up to ₹2000 per hospitalisation.