Health Insurance
Find the most affordable health insurance plans curated for individuals, families & seniors from the leading insurance companies in India at one place.
Quick claim settlement
Cashless treatment
Effective health coverage
Tax Benefit upto Rs.50,000
Top Health Insurance Plans
Several good plans are available at a cost that will enhance your day.
Claim settlement Ratio - 90%
Min Premium - ₹3600/year
Net Work Hospital - 11000+ hospitals
Claim settlement Ratio - 89%
Min Premium - ₹ 4320/year
Net Work Hospital - 2177+ hospitals
Claim settlement Ratio - 98%
Min Premium - ₹ 3360/year
Net Work Hospital - 8300+ hospitals
Claim settlement Ratio - 87.42%
Min Premium - ₹ 4544/year
Net Work Hospital - 6303+ hospitals
Claim settlement Ratio - 97%
Min Premium - ₹ 2800/year
Net Work Hospital - 8761+ hospitals
Claim settlement Ratio - 100%
Min Premium - ₹ 4188/year
Net Work Hospital - 8000+ hospitals
Interest Rate
10.35 % - 12.50%
Min Premium - ₹ 6935/year
Net Work Hospital - 12000+ hospitals
Claim settlement Ratio - 98%
Min Premium - ₹ 6600/year
Net Work Hospital - 8500+ hospitals
Claim settlement Ratio - 92%
Min Premium - ₹ 6320/year
Net Work Hospital - 5177+ hospitals
Health Insurance Plan
Health crises strike without prior notice, regardless of age, gender or health profile. It is better to be prepared financially with a good health insurance plan.
Hassle-free documentation, paperless processes and instant policy delivery are some of the advantages of choosing your health insurance plan at Fincover.
What is Health Insurance policy?
A health insurance policy is your legal contract with an insurance company under which your medical expenses are covered. This can be actual hospitalisation expenses or a lump sum.
Insurance companies have a network of hospital tie-ups so you can get cashless treatment. If you opt for a non-network hospital you can pay for your treatment and make a claim against bills.
Health Insurance Types
Family Floater Plan
Family floater Health Insurance plans cover all family members under a single policy. All the family members enrolled in the policy can enjoy the benefit of the sum assured. Under this plan, a predecided sum assured is fixed for the family. It can be used by either one or by all during the policy tenure.
Individual Health Insurance
Covers the hospitalisation expenses of an individual. The insured can avail cashless hospitalization, reimbursement and even coverage for domiciliary treatment. Many add-on plans to enhance the coverage are available.
Senior Citizen Health Insurance
Covers those above the age of 60 for hospitalization expenses including day-care procedures and pre- and post-hospitalization payments. Under this plan, the senior citizens can avail benefits such as yearly health check-ups. Most senior citizen plans cover pre-existing diseases after a certain waiting period.
Personal Accident Insurance
A Personal Accident Insurance policy offers a lump sum benefit for accidents that may lead to disability or death. It is an annually renewable policy and can cover individuals or groups. This claim paid is a benefit and is not linked to any expenses incurred for treatment, if any. You can make claims under benefit policies over and above your hospitalization policies.
Critical Illness Insurance
Critical Illness and major surgery plans offer a pre-defined amount when a listed illness is diagnosed, or a listed surgery becomes necessary. Unlike hospitalization policies, actual expenses are not relevant, and the claim is paid as a lump sum benefit. Disease-specific policies for cancer, Covid-19, dengue or heart diseases are also available.
Group Health Insurance plans
Group Health Insurance plans provide comprehensive medical coverage to a collective of individuals, typically offered by employers to their employees. These plans often offer cost-effective premiums, extensive network coverage, and various benefits tailored to the group's needs.
Mediclaim Policy
Mediclaim is a health insurance policy that covers the cost of hospitalization in case of any health issues. The coverage amount extends up to the sum assured opted by the insurer.
Maternity Insurance
Every insurance company offers maternity health insurance. With this policy, the insurer can avail benefits such as pre- and post-natal care and child delivery whether normal or C-section). Some providers even cover vaccination expenses for new-born babies.
Why Health Insurance?
My employer gives me a health plan, why should I buy a separate policy? If this is your question remember, that the coverage may be inadequate or not entirely appropriate for your needs. Moreover, you will have this cover only as long as you are with this employer.
Statistics show that over 90 percent of Indians pay for major medical expenses out of their own pockets since they did not or could not buy health insurance. Many families have to sell assets to afford treatment costs.
Health insurance is the solution to ensure your financial security in the face of healthcare expenses. You also get tax deductions on premiums under section 80D of the Income-tax Act, 1961.
Benefits of Health Insurance
@Apneebank
Buy Health Insurance
Apnee Bank gets you the best insurance available in the market. Our compare and buy feature helps you choose the most suitable policy. Here is what you need to do:
- Log on to Apnee Bank
- Enter your name, age and other details
- Enter the covers and benefits you want
- Choose “Buy Insurance”
- Health insurance policies from various insurance companies will be displayed
- Analyze and choose the policy best suited to your needs
- Pay the premium using your preferred payment method
- Check for confirmation in your registered email id. Make a printout of the policy for your reference.
Frequently asked questions
In these days of digital lending, the loan approval process has become very quick. There are several banks offering instant personal loans and pre-approved loans based on your relationship with the bank in few seconds of your consent. Banks like HDFC, ICICI, offer an instant personal loan to its customers and have been customer's choice for personal loans.
Most banks require a minimum salary of Rs. 20000 and above for personal loan eligibility. However, there are many NBFCs like Bajaj Finser, Tata Capital, and Hero Fincorp that can offer personal loan for Rs. 15000 salaried person
Your credit score is an indicator of your credit worthiness. Normally, banks and NBFCs expect a credit score of Rs. 750 and above. However, with NBFCs, you can get a personal loan with credit scores from 650. The decision to approve or reject your loan application, however, lies with the discretion of the NBFC
Generally, the tenure of a personal loan ranges from 12 months to 60 months. The tenure, loan amount, and the interest rate can vary based on borrower's income, credit needs, and more
Personal loan is a unsecured loan, since the bank does not require any collateral from the user.
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