Protect Your Family With
 Health Insurance

Health Cover Starting From 499/- Month*

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5000+Active Customers

Why Policybulls ?

  • No Medical Test . Faster Issuance
  • 24 X 7 Dedicated Claim Support Team
  • On Ground Claim Support ( ONGC )
  • Easy Monthly Payment Options
  • Free Expert Advice
  • Claim Guarantee Letter

We believe that every family should be financially prepared for medical emergencies

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3. Compare Premium

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What is a Health Insurance Policy?

Health Insurance is also known as Mediclaim. It helps you to cover expenses related to hospitalisation arising out of any accident or medical disease. Once you buy Health Insurance, all or part of your expenses incurred in hospital will be paid by the Insurance company. Additionally, you can claim tax benefits under Section 80D of the Income Tax Act against your insurance premium.

It covers only a single Individual under the Health Insurance Policy. Insurance policy will cover medical expenses related to hospitalisation, injury, room rent etc.

It covers the whole family of 2 or more person under a single health insurance policy. Insurance Cover under this policy can be utilised by 1 person or all the members covered under this policy. This is beneficial because the premium is comparatively lower as compared to Individual Health Insurance policy for all members.

Group Policy is mainly designed for corporates where group of employees are working together. This policy is offered to employees at a very low cost premium.

What to look for in Health Insurance?

High Insurance Cover

Medical Expenses are increasing day by day therefore you should buy insurance cover which is sufficient at the time of claim. Insurance cover of 10 lakh and above is a good cover to buy Health insurance.

No Co-Payment

You need to be sure that insurance company is paying the complete bill at the time of claim therefore look for policies with 0% Copay clause.

More Cashless Hospitals

You would not want to end up paying from your pocket first and than getting that reimbursed by insurance company after 15-20 days, therefore it is better to look for policy which has tie up with Hospitals in your area.

No Room Rent Limits

Room Rent is the most critical feature of any Health Insurance Policy as it has direct effect on Claims. Look for Policy which has minimum of Single Private Room and preferably No Limit.

Existing Disease Waiting Period

Waiting Period for any Existing Disease can lead to claim rejection if any claim arises between that period, therefore look for policies with least waiting period.

Benefits of Health Insurance

Rising Medical Costs

In recent years, medical inflation has shot up by leaps and bounds. Medicine, hopitalisation and treatment costs are constantly on the rise. A comprehensive health insurance policy could help you meet these expenses without draining your savings

Save on Tax Under Section 80D

If you are below 60 years, you claim tax deduction up to Rs.25,000 under Section 80D of the Income Tax Act on the premium paid. Senior citizens can claim tax deduction up to Rs.50,000

Financial Support

A medical insurance plan can provide you financial support in treating critical illnesses. POLICYBULLS provides best cover for pre- and post-hospitalisation expenses, diagnosis costs, medical expenses, and more

Changing Lifestyle Habits

The fast-paced lifestyle has exposed us to several health-related risks. Treating these ailments can be very expensive. Buying a health insurance plan with adequate cover can help you beat such medical costs

FAQ's In Health Insurance

How Much Medical Cover I should buy ?

You can insure yourself and your family for up to Rs.1 crore* with Navi Health Insurance. However, it’s not mandatory to sign up for Rs.1 crore coverage. You can choose a sum below that as well. Choose the amount that fits your requirement.

How Many People Can be added in one Health insurance policy ?

You can insure yourself, your spouse, dependent children (maximum age: 18 yr), your parents or your parents-in-law. However, in a single policy the maximum number of adults who can be insured cannot exceed two.

What to do if anyoone has PED ( Pre Existing Diseases )

You should declare your medical history and other policy members' medical history to us with accurate details before you buy the policy. We will issue an insurance policy according to our Underwriting Guidelines. Note that there could be some increase in the premium and waiting periods for pre-existing conditions.

What is Deductible/Topup in Health Insurance

A deductible is an amount that you, as a policyholder, have to pay before the insurance provider starts paying. To be precise, the insurance company pays the claim amount only if the amount exceeds the deductible. For instance, if the deductible of your policy is Rs.40,000 and the claim by the insured is Rs.60,000, the insurance company would pay only Rs.20,000.

What is Co-payment ?

In the case of co-pay, the insured person has to pay a share of the hospitalisation expenses. We offer you no co-pay coverage, which means we pay 100% of your hospitalisation up to the sum insured if you are below 60 years at the first purchase of the policy.

What is waiting period in health insurance ?

Waiting period refers to the time period during which you cannot claim insurance benefits. Waiting period for pre-existing diseases could extend up to 3 years. Please refer to your policy schedule to know the exact waiting period for pre-existing illnesses.

Will Dental Be Covered in Health insurance?

Mostly companies doesn’t cover any kind of planned dental surgery or treatment. However, the policy covers dental treatment or surgery owing to an accident leading to hospitalisation.

What is Cashless Claim ?

Cashless claim means you don’t have to pay the hospital in cash for the expenses incurred. We will directly pay the amount to the hospital. However, note that you can avail of this facility only at one of our network hospitals.

How many times you can claim in 1 year ?

There’s no limit or cap on no. of claims as such as long as you have the balance sum insured. Balance Sum Insured means the remaining amount of the policy’s Sum Insured post a claim made. It ranges from Sum Insure amount to Zero.

Will COVID19 or VIRUSES be covered in health insurance?

Yes, COVID 19 hospitalisation is covered after 30 days waiting period from the purchase of the policy.

What is Restorartion of cover ?

In case of an unfortunate event where you claim the entire sum insured in a policy year, we provide you with a 100% refill of the cover amount, which you can use again for another hospitalisation claim. You will have to wait for 45 days after refill to claim this amount.

What is NO CLAIM BONUS ? How to earn ?

If you’ve been safe and healthy and have had no claims made in a policy year, you would be eligible for a cumulative bonus of 25% or 50% of the sum insured at the time of renewal up to a maximum of 100% of base sum insured depending upon your plan. This cumulative bonus increases your sum insured without any premium increase.
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