Health Insurance in Maharashtra

Maharashtra, India’s economic powerhouse, is home to bustling metros like Mumbai and Pune, as well as vast rural belts. The state boasts some of the country’s top hospitals including Kokilaben, Lilavati, and Ruby Hall Clinic. Yet, the rising cost of private healthcare and uneven access to quality treatment across districts have made medical expenses a growing concern.

From respiratory illnesses in polluted urban zones to vector-borne diseases in semi-urban areas, Maharashtra’s diverse geography presents unique health challenges. The state also faces a surge in lifestyle diseases like diabetes and hypertension, especially in urban populations.

To address these healthcare needs, IndusInd General Insurance (formerly Reliance General Insurance) offers health insurance plans designed for Maharashtra’s varied medical landscape. Our policies provide extensive coverage across leading hospitals, with benefits like critical illness protection, OPD cover, and app-based claim processing. With family floater options and wellness rewards, we ensure financial security for every household in Maharashtra.

Why Buy Health Insurance in Maharashtra

Vector-Borne Disease Coverage

Maharashtra reports thousands of dengue, malaria, and chikungunya cases annually. Health insurance helps cover hospitalisation and diagnostics for these recurring illnesses, especially during monsoon peaks.

Respiratory Illness Protection

Urban centres like Mumbai and Nagpur face moderate to poor air quality, contributing to asthma, bronchitis, and COPD. Our plans include coverage for pollution-related respiratory conditions.

Lifestyle Disease Management

Hypertension and diabetes are increasingly common across Maharashtra’s cities. IndusInd plans cover long-term treatments, diagnostics, and medication for chronic conditions.

Unlimited Sum Insured Reinstatement

Your coverage automatically resets to the full original amount if exhausted during the policy year. Enjoy uninterrupted protection for multiple claims without extra premiums.

24/7 Online Services

Access policy details, claim status, and customer support anytime via mobile apps and web portals. File claims, locate hospitals, and manage your policy from anywhere in Maharashtra.

Instant Claim Processing

Get claim approvals within 4 hours and digital settlements. Upload documents through the app, track status in real-time, and receive quick reimbursements—even for non-network treatments.

Para

Health Statistics and Major Health Problems in Maharashtra

Maharashtra faces a wide spectrum of health challenges. In 2022 alone, over 20,000 malaria cases and 5,000 dengue cases were reported. Respiratory infections remain high, with over 1 million cases of acute respiratory illness recorded.

The state also struggles with healthcare infrastructure gaps, especially in rural areas. Staff shortages and underfunded public hospitals have led to overcrowding and delayed treatments. Meanwhile, urban centres report rising cases of lifestyle diseases and mental health disorders.

This makes comprehensive health insurance not just important but essential for every family in Maharashtra.

Why Choose

Why Choose IndusInd Health Plans in Maharashtra

Get the best medical care in Maharashtra without financial stress—thanks to IndusInd General Insurance’s fast and reliable claim settlements.

Location - Health Insurance

Up to 40% Discount

Get up to 40% discounts on your premium

20+ Add-On Covers

Enhance coverage with add-ons for your policy

AYUSH+Modern Treatments

Includes modern and AYUSH treatments

24/7 Customer Support

Quick claims and queries support

Types of IndusInd Health Plans in Maharashtra

IndusInd Health Infinity Insurance

IndusInd Health Infinity Insurance provides robust coverage up to ₹5 crore and includes unlimited reinstatement, ensuring you remain covered even after several claims. This reduces the fear of depleting your sum insured during expensive or extended treatments. It’s best suited for those who need high protection without limits or interruptions. The MoreCover add-on lets you increase your sum insured by 30%, offering extra financial support for Maharashtra’s rising medical costs. For example, an SI of ₹3 crore can be enhanced by ₹90 lakh.

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IndusInd Health Gain Insurance

IndusInd Health Gain Insurance provides extensive coverage for hospitalisation, surgeries, and treatments, offering a sum insured from ₹3 lakh to ₹1 crore. It’s designed to cover all your medical needs—routine and emergency—without financial stress. This plan is perfect for individuals and families who want broad protection with flexible features. For example, you can include your spouse, dependent children, and parents under a shared sum insured. It also offers add-ons and plan variants for customisation.

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IndusInd Global Health Insurance

IndusInd Global Health Insurance provides up to USD 1 million in global coverage for planned and emergency treatments abroad. Emergency medical care is available when you include our multi-trip rider. This plan is vital for ensuring access to healthcare while travelling, especially for long-term procedures. It’s best suited for frequent flyers, expatriates, and MNC employees who need high-value international and domestic coverage for critical treatments like cancer or surgeries.

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IndusInd Super Top-Up Health Insurance

IndusInd Super Top-Up Health Insurance provides extra coverage up to ₹1.3 crore once your annual medical costs surpass the deductible. It’s a crucial support when your main insurance is exhausted during expensive treatments in Maharashtra. For instance, if your ₹10 lakh policy is used for your father’s surgery and you need to claim again for his recovery, this plan offers secondary coverage. It’s perfect for Maharashtra residents managing high healthcare expenses.

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Key Features of IndusInd Medical Plans in Maharashtra

Enjoy comprehensive coverage options, such as global healthcare access, no-claim bonuses that grow your SI yearly, and customisable plans for all residents of Maharashtra.

Key Features	Details
Premiums	Starts at ₹382 per month*
Discounts	35%* + cumulative bonus
Coverage	Sum insured up to ₹5 crore
Global Sum Insured	Up to $1 million
Sum Insured Restoration	Unlimited restoration
Renewability	Lifelong renewability
Quick Claims Settlement	Settled in 4 hours
Network Hospitals	Over 10,000
Pre- and Post-Hospitalisation	90 days before and 180 days after
No Room Rent Capping
Day Care Procedures & OPD Cover
Ambulance Cover	Up to ₹3,500 per hospitalisation
Health Check-Ups
Domiciliary Hospitalisation
Maternity Coverage	Up to ₹2 lakh
Organ Donor Expenses
Critical Illness Cover
Co-Payment Options
Add-Ons & Optional Riders	20+ add-ons

Disclaimer: Coverage limits are subject to change based on your chosen plan. Please refer to your policy wordings here .

Inclusions & Exclusions

Health Insurance in Maharashtra: Inclusions and Exclusions

Location - Health Insurance

What is Covered?

Hospital Expenses: Policies cover costs related to inpatient stays, pre- and post-hospitalisation, day-care procedures, and ambulance services.

Day One Coverage: All accident claims get covered by our health insurance plans from day one, providing immediate support during critical times.

Modern and AYUSH Treatments: IndusInd insurance covers traditional options like Ayurveda, Yoga, Unani, Siddha, and Homoeopathy, with modern treatments.

Maternity and Newborn Care: Mothers and babies receive maternity benefits of upto ₹2 lakh, including support for prenatal, postnatal, delivery and newborn expenses.

Worldwide Emergency Cover: Get protection for medical emergencies abroad, for up to 45 days. There is a minimum deductible for international travel.

Accident and Wellness Protection: No deductibles on accident claims, and a one-year premium waiver if you are diagnosed with a critical illness.

OPD and Home Care Service: Includes outpatient consultations, medicines, diagnostic tests, and home-based ICU setups for convenient, affordable care.

Annual Health Rewards: Receive a cumulative bonus of up to 50% on the sum insured for each claim-free year. Additional free health check-ups after three continuous policy years.

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What is Not Covered?

Non-Medical Treatments: Costs for medical procedures are covered, but not for cosmetic procedures, wellness programs, rejuvenation therapy or dietary supplements.

Lifestyle and Fertility: Any costs related to weight loss, fertility treatments, contraception, and eye-sight corrective surgeries, such as LASIK, are not included.

Legal and Statutory: Medical costs from self-injuries, riots, terrorism, war or any unlawful act are not covered by the policy.

Unrelated Outpatient and External Anomalies: IndusInd covers pre-hospitalisation OPD costs, but general OPD costs are covered with an add-on. Congenital diseases are excluded.

Waiting Period: Claims for accidents are covered from day one, but all other emergencies and procedures have a 30-day waiting period.

Experimental or Unapproved Treatments: IndusInd General Insurance includes only IRDAI and WHO-approved treatments. Experimental and unproven procedures are not covered.

Unlawful or Self-Inflicted Situations: Any expense arising out of substance abuse, hazardous activities, or illegal actions is excluded.

Disclaimers: These are only a general list of inclusions and exclusions. Coverage options and limits will be subject to based on your chosen policy. For the complete list of Inclusions and Exclusions, please refer to the policy wording here.

Expert health advice you can trust

Call our Maharashtra team today

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How to Buy

How to Buy/Renew Health Insurance in Maharashtra?

Location - Health Insurance

Buy Online

Get quotes from the calculator below and fill out the form at the top of this page.

Fill out your DOB, gender, PIN, and the family members you want to insure.

Choose the policy tenure, sum insured, and add-ons for your policy.

Enter your PAN and complete the CKYC process when prompted to.

Make a secure online payment and get your health insurance policy via email.

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Renew Online

Click on ‘Renewal’ at the top of this page or ‘InstaRenew’ from the IndusInd Insurance app.

Fill out your registered mobile number or your health insurance number.

Verify policy details and make any changes needed.

Make changes to the coverage or select add-ons if necessary.

Make an online payment for the premium, and your policy is renewed.

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How to File

How to File an IndusInd Health Insurance Claim in Maharashtra?

How to File an IndusInd Health Insurance Claim in Delhi?

Step 1

Step 2

Find the nearest network cashless hospital from the link below and get treatment.

Step 3

Fill the pre-authorisation form 24 hours before for emergencies and 48 hours for planned treatments.

Step 4

Submit your medical reports and bills to the hospital.

Step 5

IndusInd General Insurance will pay your bills directly to the hospital.

Step 1

Tell us about your claim by email, call or the IndusInd Insurance app

Step 2

Get treatment from the nearest hospital in our network of authorised hospitals.

Step 3

Pay all necessary bills and tests at the hospital.

Step 4

Scan and submit invoices, reports, and bills within seven days.

Step 5

We will reimburse the paid amount after review.

Disclaimer: For accurate claim-related information, kindly refer to our policy documents or get in touch with our experts.

Key Takeaways

IndusInd Health Insurance (formerly Reliance General Insurance) offers comprehensive medical protection crafted for families across Maharashtra dealing with rising treatment costs, pollution-linked illnesses, and seasonal health risks. Our health plans provide access to over 10,000 cashless hospitals nationwide, ensuring you receive quality care without upfront payments.

Starting at just ₹382/month*, you get coverage up to ₹5 crore, so your protection never runs out. With our quick claims process, you receive fast financial support during medical emergencies. Lifelong renewability ensures uninterrupted coverage, while tax-saving benefits help reduce your annual tax burden.

Don’t let unexpected medical expenses disrupt your savings or compromise your family’s future. Choose IndusInd Health Insurance for reliable protection, seamless healthcare access, and complete financial security at a price that safeguards your family’s well-being when health matters most.

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IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Get maharashtra health insurance starting at ₹382/month*!

10,000+ Hospitals Within Reach!

Get cashless care at Maharashtra’s leading hospitals without payment hassles. With IndusInd General Insurance, enjoy instant access to quality healthcare across the state.

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Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

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4.8 ★ ★ ★ ★ ★ (508)

Ritik

Noida

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.

Srivathsav Parthasarathi

West Midnapore

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Sateesh Kumarkuchipudi

West Godavari

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Vanga Naveen

West Godavari

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Sirraatchuta Ram Babua

West Godavari

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Manoj Kumarmogha

New Delhi

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Vasantha

Wayanad

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.

Jasmin K

Wayanad

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Nazeer Salma Abdulla

Wayanad

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.

Sripal Reddymadhi Reddy

Warangal

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Veeraiah Kamatam

Wanaparthy

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Sivaganesh Madamsetti

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

Sudha Ranimadabattula

Visakhapatnam

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Yerususatya Prasad

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.

Karu Rama Rao

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Ravi Teja Anem

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Bhimabattula Aruna Devi

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Kantimahanti Balakrishna

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Prasad Rao Rayavarapu

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Ramachandran

Villupuram

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Sanjit Kumar Tiwari

Vaishali

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.

Vishanth K

Uttara Kannada

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

N Amitha Ramesh

Tumakuru

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.

Ramakrishna Prasadvadala Setty

Trimulgherry

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.

Prasanna Lakshmi Kuruganti

Trimulgherry

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.

Indumathi Indumathi

Tiruvannamalai

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Pandurangdah M

Tiruvallur

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs

C Jaikanth

Tiruvallur

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.

Ramesh L

Tiruvallur

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

Nirmala Chell Appa

Tirunelveli

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.

Ganesan Aarathi

Tiruchirappalli

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.

Saji Chandran

Thrissur

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Grace Mathew

Thrissur

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.

Anoop T M

Thrissur

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Kencysam Sr Kency Samsr

Thiruvananthapuram

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Wafa Mol R N

Thiruvananthapuram

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.

Vinoth R

Thanjavur

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.

Sampada Vijay Jagdale

Thane

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Geetanjali Ganpat Namaye

Thane

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.

Bibinagar Sureshchary

Telangana

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.

Pawan Kumar

Tarn Taran

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.

Modugusatish Reddy

Suryapet

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.

Kanakai Ahgudipati

Suryapet

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.

Hiralsagar Bhaisardhara

Surat

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Amit Bhaidurlabh Bhai Rajpara

Surat

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Ankur Kotnala

Surat

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Anil Kumar Ram Sringarsaroj

Sultanpur

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.

Marxia Tamil Selvan

Sivaganga

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.

Prasad Nangunoori

Siddipet

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

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Frequently Asked Questions (FAQs)

How much coverage should I have for my health insurance in Maharashtra?

The amount of coverage of your health insurance will depend on your needs and finances. However, it is recommended to have a base sum insured that is 50% of your annual income. You can also buy basic health insurance and buy a top-up plan to increase coverage.

How can I save money on taxes with health insurance?

Under section 80D, you can claim deductions for yourself, your partner, your children and your parents. Additionally, section 80DDB gives you deductions for health insurance and expenses for critical illness, and expenses for yourself or a disabled individual under section 80DD.

How can I stay healthy in Maharashtra?

The best way to stay healthy in Maharashtra is to focus on nutrition and engaging in physical activity. Limit eating processed foods and stay hydrated to combat the rising temperatures. Prioritising sleep and taking care of stress will also help in staying healthy.

What are pre-and post-hospitalisation expenses in health insurance?

Pre- and post-hospitalisation expenses include tests, diagnostic tests, and consultations conducted before you are hospitalised. Post-hospitalisation expenses are incurred after your surgery or hospital stay, to monitor your status.

At what age should I buy health insurance?

There is no minimum age limit to buy health insurance, but ideally, you can start in your early 20s. The sooner you buy health insurance for yourself, the better. Not only will you get lower premiums because you are not likely to fall sick and make a claim, but you will also get no-claim bonuses. You can also complete the waiting period to make claims.

What should I consider before buying health insurance?

Before buying health insurance, estimate how many people you want to cover under the policy, the coverage you want and the duration of your plan. When comparing plans, look over the inclusions, exclusions, waiting period, and limits on expenses. Check how much you have to pay as a premium, if there are any network hospitals near you and what the claim settlement ratio is.