Health Insurance
What is Health Insurance?
Health insurance is a financial product that covers medical and surgical expenses incurred by the insured. It ensures you and your family can access quality healthcare without the burden of high out-of-pocket costs. From hospitalization to pre- and post-treatment care, a good health plan provides financial support during medical emergencies or planned treatments.
Health insurance policies can be individual, family floater, critical illness, senior citizen, or top-up plans. These policies cover hospitalization, doctor consultations, diagnostics, surgeries, and more, depending on the plan type. Premiums are affordable and plans are customizable as per your healthcare needs and life stage.
Insurers offer cashless treatment across wide hospital networks, easy claim processes, and tax benefits, making health insurance essential in today’s healthcare-driven economy.
Key Features :
- Policy Types: Individual, family floater, critical illness, senior citizen, maternity, and top-up plans.
- Coverage Amount: Starts from ₹1 lakh and can go up to ₹1 crore or more depending on age, health condition, and plan.
- Cashless Network: Access to 5,000–10,000+ network hospitals for cashless treatment.
- Pre- & Post-Hospitalization: Covers expenses like diagnostics, medicines, and consultations before and after hospital stay.
Why Choose Health Insurance ?
- Protect Finances from unexpected medical costs that can derail savings or investments.
- Comprehensive Health Coverage for doctor fees, surgeries, ICU, daycare procedures, ambulance, and more.
- Cashless Facility at a wide range of network hospitals for hassle-free treatment.
- Tax Savings under Section 80D of the Income Tax Act for premiums paid.
Eligibility Criteria (General) :
- Applicant: Indian citizen, typically aged between 18 and 65 years. Children above 90 days are also covered in family plans.
- Medical Checkup: Required for higher age groups or sum insured plans.
- Pre-existing Conditions: Covered after a waiting period, usually 2–4 years.
- Premium Based On: Age, health history, policy type, and sum insured.
Why Take People
Insurance from Wealth Finversity
Instant Policy Issuance
Get fast approvals and instant health policy issuance with
minimal documentation. Buy online or at the nearest branch.
Policy becomes active immediately post verification and
first premium payment.
Flexible Premium Payment Options
Choose to pay premiums monthly, quarterly, annually, or as a
one-time payment for certain plans. Flexibility makes it
easy to manage your budget while ensuring full health
protection.
High Sum Insured Options
Select coverage from ₹1 lakh to ₹1 crore based on your
health risk, age, lifestyle, medical history, and family
size. Plans are available for individuals, couples, senior
citizens, children, and entire families under one
comprehensive policy.
Customizable Policy Term
Choose short-term annual policies or opt for multi-year
plans (2 or 3 years) for added convenience, premium savings,
loyalty benefits, and hassle-free renewals. Long-term
coverage ensures continuity and peace of mind.
Minimal & Hassle-Free Documentation
Only basic documents like ID proof, address proof, and
recent medical history are needed. Many plans offer no
pre-policy medicals for young and healthy individuals under
a certain sum insured.
Transparent & Trusted Protection
All inclusions, exclusions, waiting periods, and co-payment
terms are clearly disclosed. The claim process is quick and
transparent, with high settlement ratios for trusted
insurers.
