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What is Health Insurance
Health insurance is a type of insurance that helps you pay for your medical expenses when you get sick or injured. It is like an agreement between you and an insurance company, where you pay a certain amount of money called premiums, and in return, the insurance company agrees to cover some or all of your medical costs. This can include expenses for doctor visits, hospital stays, surgeries, medications, and more. Having health insurance can help you save money on healthcare and provide peace of mind knowing that you are protected financially if you get sick or injured.Learn about Health Insurance
Established in 2021, our motto at insurejoy.com is to reach out to insurance seekers residing in the far corners of the country, as well as promptly service customers in the thriving metros.Importance of Health Insurance
Health insurance plans are of great importance in India for several reasons:Rising Medical Costs:
The cost of medical treatment in India has been rising steadily over the years. Health insurance plans can help individuals and families cope with these costs and avoid the financial burden of medical expenses.Protection Against Uncertainty:
Health issues can arise unexpectedly, and the expenses associated with medical treatment can be high. Health insurance provides protection against such uncertainties and ensures that individuals and families are financially secure in the event of a medical emergency.Access to Quality Healthcare:
With health insurance, individuals can access quality healthcare without worrying about the cost. They can choose hospitals and doctors based on their preference, rather than affordability.Tax Benefits:
Health insurance premiums are eligible for tax benefits under Section 80D of the Income Tax Act, which can help reduce the tax liability of the policyholder.Customizable Coverage:
Health insurance plans can be customized to suit the specific healthcare needs of individuals and families. Policyholders can choose the type of coverage they require, such as coverage for critical illnesses, maternity benefits, and more.Cashless Hospitalization:
Many health insurance plans offer cashless hospitalization, which means that the policyholder can avail medical treatment without paying anything upfront. The insurance company settles the bills directly with the hospital.In summary, health insurance plans are important in India because they provide financial protection against rising medical costs, uncertainty, and access to quality healthcare. They also offer tax benefits, customizable coverage, and cashless hospitalization, making them an essential part of one's financial planning.
What are the benefits of purchasing health insurance online?
Looking to buy health insurance? Consider purchasing it online for added convenience and a wide variety of plan options. Here are some reasons to buy health insurance online:Save time:
Online services save you time and hassle by eliminating the need for in-person meetings and lengthy paperwork. Simply fill out a quote and choose the most relevant medical health insurance policy from a list of options displayed on your phone screen.Easy comparison:
Online platforms simplify the process of comparing different health insurance plans by providing premium calculators and clear information about policy quotes, coverage benefits, exclusions, and other terms and conditions.Make the right decision:
Online insurance companies offer flexible options for choosing and buying the best plan for your needs. With access to all the relevant information, you can make an informed decision about the most suitable plan.24/7 availability:
Online platforms like Insurejoy.com are available 24/7, so you can easily compare, choose, and buy the most suitable plan at your convenience.Discounts:
Many insurance companies offer discounts on online purchases of medical insurance, providing an opportunity to enjoy similar or better benefits at comparatively affordable premiums.Instant coverage:
Purchasing health insurance online provides you with instant investment proof, and the coverage becomes active immediately. Additionally, flexible payment modes are available through secured payment gateways. To ensure a smooth health insurance buying process, we have a team of dedicated health insurance experts who suggest you the best health insurance plan based on your needs.
Health Insurance - Features and Factors
Let's explore the main features of health insurance plans that you should keep in mind while comparing different options:Room Rent Sub-Limits
Some insurance policies come with sub-limits on room rent, which means there is a maximum amount that an insurer will pay in case of a claim. However, some plans come without any such sub-limits, so it's better to choose those.Pre-Existing Diseases
If you have any pre-existing health conditions, then you should choose a policy with a minimum waiting period. This waiting period is the time during which you cannot make any claims related to those pre-existing diseases.Co-Payment
Co-payment is a situation where the policyholder and the insurer share the cost in case of a claim. To avoid any unexpected expenses, you should choose a plan that comes without any co-payment.Network Hospital
Network hospitals are those hospitals that have tie-ups with health insurance companies. Choosing a policy with a good network of hospitals near your residence can help you get quick and cashless treatment in case of an emergency. By keeping these features in mind, you can select the best health insurance plan for yourself and your loved ones.Factors to Consider Before Buying Health Insurance Policy
Health insurance plans can be a vital investment for your well-being and financial security. Before buying a health insurance plan, here are some key factors you should consider:Coverage
Look for a plan that provides comprehensive coverage, including hospitalization expenses, doctor's fees, pre- and post-hospitalization expenses, and critical illness cover.Premiums
Consider the premium you can afford, keeping in mind that higher premiums usually provide better coverage. You should also check if there are any discounts available based on your age or health status.Co-payments
Co-payments are the amount you have to pay out of pocket when you make a claim. Some policies come with a co-payment clause, which means that you'll have to pay a percentage of the bill. Choose a plan with a low co-payment or no co-payment clause if possible.Waiting period
Every health insurance policy has a waiting period, which is the time period during which you cannot make a claim for pre-existing illnesses. Make sure to choose a plan with a shorter waiting period, especially if you have a pre-existing medical condition.Network hospitals
Check if the insurance provider has tie-ups with a wide range of hospitals in your area, so you can avail of cashless treatment.Claim Settlement Ratio
Check the claim settlement ratio of the insurer. A higher ratio means a higher chance of your claims getting settled without any hassles.Renewability
Check the renewability clause of the policy, as some policies may not offer renewability or may have a cap on the number of times the policy can be renewed.Exclusions
Carefully read the policy's exclusions to know which expenses will not be covered. Some policies may not cover certain pre-existing medical conditions or treatments.Claim Process
The claim process should be hassle-free and straightforward. Look for a plan that has a simple and quick claim settlement process, and the insurer has a good track record of settling claims on time. By considering these factors, you can make an informed decision and choose a health insurance plan that meets your needs and fits your budget.Health Insurance Inclusions
Health insurance plans typically cover a range of medical expenses in India. Here are some of the key benefits that you can expect from a health insurance policy: In-patient Hospitalization Expenses - If you require hospitalization for more than 24 hours due to an illness or injury, the medical expenses incurred during your stay will be covered by the insurance company.
Illnesses or Diseases - Once the waiting period has been completed, you can file a claim for the expenses incurred on the treatment of any pre-existing illnesses or conditions.
and Post Hospitalization Expenses - The cost of medical tests required before hospitalization and the expenses incurred on medication and check-ups after being discharged from the hospital are usually covered.
Charges - Many health insurance policies cover emergency ambulance charges. Maternity Cover - Medical expenses incurred during pregnancy and delivery, including newborn baby expenses, are usually covered.
Health Check-ups - Some health insurance plans offer regular health check-up facilities.
Procedures - Medical treatments that do not require hospitalization for more than 24 hours, such as eye surgery, dialysis, and other common procedures, are typically covered.
Treatment Cover - Some policies also cover the expenses incurred on getting medical treatment at home on the advice of a medical practitioner.
Benefit - Many health insurance plans reimburse the medical costs incurred on Ayurveda, Unani, Siddha, or Homeopathy treatment up to a specified limit.
Healthcare Cover - All health plans are required to cover mental illnesses as per the Mental Healthcare Act, 2017. This includes conditions such as acute depression, bipolar affective disorder, and schizophrenia, among others.
Health Insurance Exclusions
The following is a list of medical expenses and situations generally not covered by a health insurance plan:- Claims arising within the initial 30 days of buying the policy, unless it's an accidental emergency
- Pre-existing diseases coverage is subject to a waiting period of 2 to 4 years
- Critical illnesses coverage usually comes with a 90-day waiting period
- Injuries caused by war/terrorism/nuclear activity
- Self-inflicted injuries or suicide attempts
- Terminal illnesses, AIDS, and other diseases of similar nature
- Cosmetic/plastic surgery, replacement of hormones surgery, etc.
- Dental or eye surgery expenses, unless specified under the policy
- Bed rest/hospitalization and rehabilitation for common illnesses
- Treatment/diagnostic tests and post-care procedures, unless specified under the policy
- Claims arising out of adventure sports injuries or hazardous activities
Riders in Health Insurance
Additional coverage that you can purchase to enhance your health insurance policy are called riders. The cost of these riders depends on various factors such as age, sum insured, and type of coverage. Below are some of the most common riders that you can consider purchasing along with your health insurance policy:Maternity Cover Rider
The maternity cover rider provides coverage for maternity expenses, including childbirth, pre and post-natal expenses, etc. Some insurers may also cover newborn baby expenses until the end of the policy tenure. However, this rider comes with a waiting period of 2 to 6 years depending on the insurer.Critical Illness Rider
The critical illness rider provides coverage for critical illnesses like heart attack, cancer, etc., that are diagnosed for the first time during the policy tenure. This rider provides a lump sum benefit amount irrespective of the actual medical expenses incurred during the treatment. It comes with a waiting period of 90 days and a survival period of 30 days, and covers around 10 to 40 critical diseases depending on the insurer.Critical Illness Rider:
If the life insured is diagnosed with a major critical illness such as heart attack, cancer, stroke, kidney failure, or paralysis, the insurance company pays the rider benefit.Personal Accident Rider:
The personal accident rider provides compensation in case of accidental disability or death. It pays the entire sum insured in case of permanent total disability but only a part of the sum insured depending on the nature of the injury in case of partial disability. It is also known as the double indemnity rider as it provides an additional death benefit in case of accidental death.Hospital Cash Rider:
The hospital cash rider provides a fixed daily cash allowance to cover incidental expenses incurred during hospitalization for an injury or illness. It offers twice the coverage amount for a specific number of days in case of ICU admission. The daily cash amount may vary as per the policy terms and opted coverage. However, the hospitalization period should be at least 24 hours to activate this rider.Room Rent Waiver:
The room rent waiver ensures that there is no cap on room rent during hospitalization, allowing you to opt for a room with higher sub-limits or no sub-limits without paying extra money from your pockets.
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There is so much choice in Insurance. Getting the best deal is far more easier now, thanks to comparison options available online. Kindly note: The Prospect’s/visitor’s particulars could be shared with insurers. The information displayed on this website is of the insurers with whom our company has an agreement.
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We are committed to serve our customers during or after the purchase of your policy, handover all your insurance related worries to us and Relax!How to File a Claim?
Filing a claim for health insurance is an essential aspect of the policy. There are two ways to file a claim: health reimbursement claims and cashless claims.Health Reimbursement Claims
For treatments received in non-network hospitals, the policyholder can claim reimbursement of the treatment expenses.Cashless Claims
For treatments received in network hospitals or cashless hospitals, the policyholder can avail cashless treatment services. After completing the treatment, the insurance company settles the bill directly with the hospital. To know the he process for filing claims for planned and emergency hospitalization please click below:
Why Choose Insurejoy
We are committed to serve our customers during or after the purchase of your policy, handover all your insurance related worries to us and Relax!
Trusted Advice
insurejoy.com have a team of unbiased insurance experts that is dedicated to guide in choosing best insurance
Application to Issuance
insurejoy.com will assist you from searching, comapring, buying, renewals and even in case of claim
Dedicated Claim Desk
We have a team of professionals that is dedicated to helping our users in the event of a claim. Insurance is a contract usually between a large financial institution that offers fixed protection to another person, institution or entity against a possible future loss in return of a predetermined premium. Insurance is a risk management tool that is taken as a precautionary measure against future risks that may or may not happen.
By Law, only vehicle insurance, which covers third-party liability, is mandatory. No other type of insurance is compulsory. Insurance is a measure to protect your assets from damages in case of an unforeseen accident or to take care of dependents in case of a mishap with the earning member. Therefore, insurance is meant for anyone and everyone. It may not be mandatory but it is a necessity to cover the uncertainties of life.
You need as much insurance as you think will be required to cover your damages or liabilities such that you or your dependants don’t feel the financial pinch. Every individual has different requirements, goals and liabilities. Based on these, insurance plans and products are launched from time to time by different insurance companies. A survey of various options available will give you a fair idea. You can also call us for any assistance and advice in the matter.
insurejoy.com is a specialized insurance information site that helps people choose insurance plans best suited to their needs.
insurejoy.com allows customers to search for the plan that suits their requirement the most. We are insurer agnostic and have tie-ups with most of the insurance companies operating in India. We bring to your doorstep- information and comparisons based on key features and prices of different insurers for Life insurance, Term Life insurance, Health insurance, Car insurance, Travel insurance e
insurejoy.com allows customers to search for the plan that suits their requirement the most. We are insurer agnostic and have tie-ups with most of the insurance companies operating in India. We bring to your doorstep- information and comparisons based on key features and prices of different insurers for Life insurance, Term Life insurance, Health insurance, Car insurance, Travel insurance e
Frequently Asked Questions
If You have any question regarding Insurance, Feel free to call us or simply put an email, we will be happy to assist you in anyway possible 
Joy Center
Looking to buy health insurance? Consider purchasing it online for added convenience and a wide variety of plan options. Here are some reasons to buy health insurance online:
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Discover the nitty-gritty of the insurance plan, understand what ity has to offer.What Others Say About Insurjoy
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