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Getting Insurance means when you fall ill, you only focus on your health, not on the bill.
Health & Mediclaim Insurance
Medical emergencies can affect anyone, anytime. Lifestyle diseases and their costs are increasing exponentially. Health Insurance pays for your hospitalization costs in case of any unexpected illnesses.
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Frequently Asked Questions
Health Insurance | Policybulls
Health insurance provides financial coverage for medical expenses, including hospitalization, surgeries, doctor consultations, and medicines, reducing your out-of-pocket costs.
Health insurance helps cover unexpected medical expenses, ensures quality treatment without financial stress, and offers tax benefits under Section 80D of the Income Tax Act.
- Individual Health Insurance – Covers one person.
- Family Floater Plan – Covers the entire family under a single sum insured.
- Senior Citizen Plan – Designed for people aged 60+.
- Critical Illness Plan – Covers major illnesses like cancer, heart disease, etc.
- Group Health Insurance – Provided by employers to employees.
Most health insurance plans cover:
✅ Hospitalization expenses (room rent, doctor fees, ICU, etc.)
✅ Pre & post-hospitalization costs (usually 30-60 days before and after)
✅ Daycare treatments (minor surgeries that don’t require 24-hour hospitalization)
✅ Ambulance charges
✅ Maternity & newborn cover (in select policies)
✅ Critical illness cover (in applicable plans)
❌ Pre-existing diseases (covered after a waiting period)
❌ Cosmetic or weight-loss surgeries
❌ Dental & vision treatment (unless included in the plan)
❌ Non-allopathic treatment (unless mentioned)
❌ Injuries due to self-harm, war, or substance abuse
A waiting period is the time you must wait before certain benefits (like pre-existing diseases) are covered. It usually ranges from 1 to 4 years, depending on the policy
It depends on:
✔ Your age and family size
✔ Medical history and existing health conditions
✔ Cost of healthcare in your city
A good starting point is ₹5-10 lakh coverage per individual.
✅ Cashless Claim – Get treated at a network hospital, and the insurer directly settles the bill.
✅ Reimbursement Claim – Pay the hospital bills first, then submit documents to get reimbursed.
- Fill out a simple form on Policybulls.com
- Our team will connect with you and suggest the best plans
- Submit required documents and make the payment
- Receive your policy instantly
For expert advice, contact Policybulls at:
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🌐 Visit: www.Policybulls.com