Understand your Health Insurance Policy
Understand what your policy has to offer. Read terms and conditions in plain English. And discover the good, bad and ugly in your health plan.
Discover frequently looked policies
For working individuals
Buying health insurance at an early age is one of the best financial decisions you can make.
HDFC ERGO
Optima Restore
A comprehensive policy from a brand that has one of the best claim settlement numbers in the country. With no restrictions on room rent, a high no-claim bonus, and a rather affordable price, Optima Restore is a perfect fir for individuals.
STAR HEALTH
Young Star
This policy offers a decent maternity benefit only when you opt for a cover greater than 10 lacs. But with a waiting period of just 2 years, it’s a policy you could definitely consider.
Aditya Birla
Active Assured Diamond
This policy offers a decent maternity benefit only when you opt for a cover greater than 10 lacs. But with a waiting period of just 2 years, it’s a policy you could definitely consider.
Max Bupa
ReAssure
Tata Medicare Premier is a solid plan overall, albeit slightly expensive. It offers a sizable no-claim bonus, OPD benefit and even covers emergency international treatments. However, with the maternity benefit, you’ll have to wait 4 years before you can make a claim. So that’s a letdown.
For couples who just got married
First of all congratulations! You are taking a responsible step in your life. Here are the plans that supports your health and your family’s.
MAX BUPA
ReAssure
This policy offers comprehensive protection and a maternity cover with a waiting period of just 2 years. They’ll also cover your baby soon after. So if you’re planning to have a kid in the near future, and money isn’t a concern, this plan is for you.
HDFC ERGO
Optima Restore
This policy offers a decent maternity benefit only when you opt for a cover greater than 10 lacs. But with a waiting period of just 2 years, it’s a policy you could definitely consider.
Care
Care
This policy offers a decent maternity benefit only when you opt for a cover greater than 10 lacs. But with a waiting period of just 2 years, it’s a policy you could definitely consider.
Star Health
Comprehensive
Tata Medicare Premier is a solid plan overall, albeit slightly expensive. It offers a sizable no-claim bonus, OPD benefit and even covers emergency international treatments. However, with the maternity benefit, you’ll have to wait 4 years before you can make a claim. So that’s a letdown.
Aditya Birla
Active Assured Diamond
Tata Medicare Premier is a solid plan overall, albeit slightly expensive. It offers a sizable no-claim bonus, OPD benefit and even covers emergency international treatments. However, with the maternity benefit, you’ll have to wait 4 years before you can make a claim. So that’s a letdown.
For parents who are about to retire
Your parents are at a higher risk of hospitalization. So a health insurance policy can help you save a lot of money in the short term.
HDFC ERGO
MyHealth Suraksha Gold
This policy offers comprehensive protection and a maternity cover with a waiting period of just 2 years. They’ll also cover your baby soon after. So if you’re planning to have a kid in the near future, and money isn’t a concern, this plan is for you.
MAX BUPA
Health Companion
This policy offers a decent maternity benefit only when you opt for a cover greater than 10 lacs. But with a waiting period of just 2 years, it’s a policy you could definitely consider.
CARE
Care
This policy offers a decent maternity benefit only when you opt for a cover greater than 10 lacs. But with a waiting period of just 2 years, it’s a policy you could definitely consider.
MAX BUPA
ReAssure
Tata Medicare Premier is a solid plan overall, albeit slightly expensive. It offers a sizable no-claim bonus, OPD benefit and even covers emergency international treatments. However, with the maternity benefit, you’ll have to wait 4 years before you can make a claim. So that’s a letdown.
For parents with Diabetes
A lifestyle disease like Diabetes can aggravate other conditions. So you'll probably need health insurance one way or another.
HDFC ERGO
Energy Silver
This policy offers comprehensive protection and a maternity cover with a waiting period of just 2 years. They’ll also cover your baby soon after. So if you’re planning to have a kid in the near future, and money isn’t a concern, this plan is for you.
CARE
Care Freedom Plan
This policy offers a decent maternity benefit only when you opt for a cover greater than 10 lacs. But with a waiting period of just 2 years, it’s a policy you could definitely consider.
STAR HEALTH
Comprehensive
This policy offers a decent maternity benefit only when you opt for a cover greater than 10 lacs. But with a waiting period of just 2 years, it’s a policy you could definitely consider.
ADITYA BIRLA
Active Health Platinum Enhanced
Tata Medicare Premier is a solid plan overall, albeit slightly expensive. It offers a sizable no-claim bonus, OPD benefit and even covers emergency international treatments. However, with the maternity benefit, you’ll have to wait 4 years before you can make a claim. So that’s a letdown.
If you are a couple planning for a kid
Having a child is one of the most important milestones in any person's life. So it's great that you're already planning ahead.
MAX BUPA
Health Premia Gold
This policy offers comprehensive protection and a maternity cover with a waiting period of just 2 years. They’ll also cover your baby soon after. So if you’re planning to have a kid in the near future, and money isn’t a concern, this plan is for you.
STAR HEALTH
Comprehensive
This policy offers a decent maternity benefit only when you opt for a cover greater than 10 lacs. But with a waiting period of just 2 years, it’s a policy you could definitely consider.
TATA AIG
Medicare Premier
Tata Medicare Premier is a solid plan overall, albeit slightly expensive. It offers a sizable no-claim bonus, OPD benefit and even covers emergency international treatments. However, with the maternity benefit, you’ll have to wait 4 years before you can make a claim. So that’s a letdown.
