Buy Health Insurance

What is Health Insurance?

Health insurance is an insurance policy that covers you against the expenditures of a medical or surgical procedure, the cost of medicines, doctor’s appointments, ambulance expenses, etc. The expenses covered by a health insurance plan can be a result of an accident or an illness. Health insurance offers features like cashless hospitalisation, cover against critical illnesses like cancer, kidney and heart issues, and more.

Benefits of Health Insurance Plans

Cashless Feature

Most insurance companies have tie-ups with hospitals. If you get yourself treated at their network hospital, you can avail the benefits of cashless treatment. The claim is settled later.

Ambulance & Room Rent

The rent for occupying a hospital room is charged over and above the treatment. Health insurance plans in India cover these expenses as well.

Pre & Post-Hospitalisation

Most insurance companies have tie-ups with hospitals. If you get yourself treated at their network hospital, you can avail the benefits of cashless treatment. The claim is settled later.

Periodic Medical Check-ups

You can get regular health check-ups under your policy. This can depend on the particular plan, but most insurers offer one or two medical check-ups in a year.

No Claim Bonus (NCB)

If you do not file a claim in a year, the insurer offers you an NCB as an incentive, the next year.

Tax Benefits

Lastly, one of the most beneficial uses of health insurance is tax saving. The premium paid towards a health insurance policy in India can be claimed for tax deduction under Section 80D of the Income Tax Act of 1961.

Need for Health Insurance

Health Insurance is an essential product in today’s times. The cost of healthcare has drastically risen in the last decade. Life-threatening diseases such as cancer and kidney failure are getting more and more common by the day. There was a time when poor health was only associated with older people. But with a rise in pollution and dependence on packaged food and drinks, immunity levels are dropping across age groups. Irrespective of your age, a health condition can strike at any time pre-and. Even a couple of days of hospitalisation can cause a significant blow to your savings. Therefore, having a health insurance policy in India is more important than ever. It safeguards you from the expenditure of an ailment and offers you the peace of mind to carry on with your life without worrying about health care costs.

Types of Health Insurance Plans

Individual Health Insurance

Family Floater Health Insurance

Critical Illness Health Insurance

Senior Citizen Health Insurance

Maternity Health Insurance

Accidental Cover


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It is important to understand the features of a policy before purchasing it. A good medical plan can be one that offers wholesome coverage, cashless hospitalisation, and quick claim settlement, and covers pre and post hospitalisation expenses.

Buying health insurance is no longer a choice but a necessity in the current times. It covers us against the financial implications of medical problems. With health insurance, you do not have to dip into your savings anytime you go to a hospital.

Religare health insurance offers cashless hospitalisation across more than 7800 hospitals all over the world. The company’s claim settlement procedure takes only 2 hours, and the ratio of settlements stands at 93%. You can also choose from five types of plans based on your need. In addition to this, Religare offers a no claim bonus of 150%.
The price of the premium can differ for each individual based on their age, lifestyle preferences, existing health conditions, etc. The younger you are, the more affordable the premium can be. The premium can be higher for older people and people who smoke, consume tobacco, or drink alcohol.
When picking out a plan, you can look out for how flexible the plan it. Plans that allow you to add members can be helpful in the long run. Features like cashless hospitalisation, no claim bonus, pre- and post-treatment costs, room rent, ambulance expenses, etc. are also essential.
All you need to buy online health insurance plans are your age, address, and identity proof.
You can get a quote on the Religare’s website to estimate the cost of a policy.
Under section 80C, premiums that you pay towards a Health insurance policy qualify for a deduction up to ₹1.5 lakh, while Section 10(10D) makes income on maturity tax-free if the premium is not more than 10% of the sum assured or the sum assured is at least 10 times the premium.