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Compare individual, family and premium health plans from India's leading insurers, all in one place. Get the required cover estimate in seconds with our Health Insurance Calculator.
Beyond the basics, our partner plans come with benefits designed to keep you protected through every stage of treatment.
If you exhaust your sum insured during the year, partner plans can restore it, in some cases unlimited times, so you're never left short mid-treatment.
Access 10,000+ network hospitals for cashless admission through partnered insurers, so you focus on recovery instead of upfront bills.
Protect benefits cover consumables and non-medical expenses that policies usually deduct, reducing what you pay out of pocket.
Premiums paid towards health insurance for yourself, and family may qualify for deduction under Section 80D (only in old tax regime), subject to prevailing tax law.
Tell us a little about your household. We'll estimate the cover that keeps your family protected against rising medical costs.
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This is an indicative estimate only. Actual premiums vary by insurer, plan features, age, and medical history. All figures are exclusive of GST.
Use the health insurance calculator to estimate the required sum insured for your family.
Compare health insurance plans on airpay money platform and select the one that suits best to your needs.
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Health insurance typically covers in-patient hospitalization expenses, pre- and post-hospitalization costs (30-60 days before, 60-180 days after), daycare procedures (chemotherapy, dialysis, cataract), ambulance charges, domiciliary hospitalization, organ donor expenses, and AYUSH treatments.
Metro cities: minimum ₹10-20 lakh per person. Non-metro: ₹5-10 lakh for basic protection. Given medical inflation of 14-15% annually, ₹25-50 lakh with a super top-up is increasingly prudent. A single major surgery in a private hospital can cost ₹10-25 lakh. Health policies cover pre-existing diseases after a waiting period of up to 36 months (as per current IRDAI regulations).
PEDs are conditions you had before buying the policy (diabetes, hypertension, asthma, etc.). IRDAI mandates that all health policies must cover PEDs after a waiting period of up to 48 months. Non-disclosure of PEDs can lead to permanent claim rejection.
An individual plan provides a dedicated sum insured to one person. Family floater covers the entire family under a single shared sum insured. Floaters are more cost-effective but risk one major claim exhausting coverage for all members.
Three types: Initial waiting period (30 days, except accidents), specific illness waiting period (2-4 years for listed conditions), and PED waiting period (up to 36 months). Waiting periods reset if switching insurers without IRDAI portability.
Yes, IRDAI's portability guidelines allow policyholders to switch insurers while retaining credit for waiting periods already served. You must apply at least 45 days before renewal (typically within a 30-60 day window). The new insurer must honour the completed waiting periods for the existing sum insured, although fresh waiting periods may apply to any additional coverage opted for.
In a cashless claim, the insurer pays the hospital directly at network hospitals. In a reimbursement claim, you pay upfront and submit bills for repayment within 15-30 days. Cashless is faster and available only at insurer network hospitals.
A super top-up provides additional coverage above a deductible threshold. Example: base policy ₹5 lakh + super top-up with ₹5 lakh deductible and ₹50 lakh coverage means expenses above ₹5 lakh are covered. Extremely cost-effective at ₹5,000-8,000/year for 30-year-olds.
Yes, under Section 80D of the Income Tax Act, you can claim up to ₹25,000 for premiums paid for self, spouse, and dependent children, plus an additional ₹25,000 for parents (₹50,000 if parents are senior citizens). If both the taxpayer and parents are senior citizens, the total deduction can go up to ₹1 lakh. The deduction applies to the total premium paid (including GST). Premiums must be paid through non-cash modes (except for preventive health check-ups).
Common exclusions include cosmetic or aesthetic treatments (unless medically necessary), dental treatment (unless due to an accident), infertility treatments such as IVF, certain congenital conditions (may be covered with waiting periods depending on the policy), self-inflicted injuries, injuries due to hazardous or adventure sports (unless covered through a rider), treatment related to substance abuse (alcohol or drugs), experimental or unproven treatments, and hospitalization during the initial 30-day waiting period (except for accidents).
NCB rewards claim-free years with increased sum insured (10-50% per year, up to 50-100% of original) without premium increase. A ₹5 lakh policy could grow to ₹10 lakh. NCB is cumulative and retained when porting to another insurer.
Yes, medical costs rise sharply after 60. Also, its inflation rate is 15% p.a and corporate insurance expires after you leave the job/retire, and later on the premiums are high due to aging factors. Prioritize high sum insured (₹10-25 lakh), no/low co-payment, shorter PED waiting periods, wide network hospital coverage in their city, and coverage for non-medical expenses. Compare at least 4-5 plans for parents above 65.
Co-pay is a fixed percentage of every claim you pay out of pocket. A 20% co-pay on a ₹5 lakh claim means you pay ₹1 lakh; the insurer pays ₹4 lakh. Common in senior citizen plans and lower-premium policies. Avoid if budget permits.
Yes, per IRDAI directives, all standard health policies cover COVID-19 hospitalization including ICU, ventilator, and Personal Protective Equipment (PPE). Home treatment is covered if the policy includes domiciliary benefits. Future pandemic illnesses requiring hospitalization are covered under standard terms.
Ideally, in your mid-20s, when you start earning. Premiums are lowest because of less/no health conditions and the base rate locks in. You begin accumulating NCB early, and waiting periods start counting down. Buying at 25 vs 35 means 30-50% lower premiums for the same coverage.
Health Insurance is the subject matter of solicitation. airpay money is a distributor and does not underwrite policies. Plan benefits, network hospitals, sum insured options, waiting periods and tax treatment are governed by the respective insurer and prevailing regulations. Please read all policy documents carefully before concluding a sale.
