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precious wealth —
Your Health

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Complete Health
Group Health
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What is Health Insurance?

Whether you are in the prime of your health, ailed by a chronic condition or suffering from recurring malady, health insurance is the answer to a tension-free life. From medical cost and hospitalization expenses to doctor's consultation fees—a health insurance policy takes care of the heavy expenses and ensures you get the best medical care, without breaking the bank.

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The Necessity of Health Insurance

The modern world is an era of medical advancements. Illnesses that were not thought to be curable are slowly being treated with revolutionary medical techniques. The quintessential practices for staying healthy—regular medical check-ups, full-body tests, vital tracking — everything has progressed in leaps.

But all of these have come at a hefty price. Costs of Medical care, surgeries, and treatment for chronic ailments have skyrocketed. Below is an overview of the various procedures that can dent anyone's wallet.

Note: The costs above are subject to change. The above representative figures are as of trends witnessed in early 2022

How to choose your plan?

Pre & Post Hospitalization

This coverage helps in the expenses that incurred on an illness or any basic treatment that took place before the hospitalization. Post hospitalization cover the expenses after the discharge for a fixed pre-agreed number of days.

Hospitalization Bills

Expenses incurred on treatment that requires hospitalization for more than 24 hours. It commonly covers rent, medicine costs, fees for tests, and doctor’s fees.

ICU Charges

Per-day charges for treatment in Intensive Care Units for a pre-authorized duration. All expenses from ventilators to certain medications are covered.

Pre-existing Diseases

Covers the treatment for majority of the diseases that were already diagnosed after the waiting period of the policy it can be anywhere between 2 to 4 years.

Medical Check-ups

Provides the insured with free medical check-ups and treatment at predefined intervals according to their policy.

Ambulance Costs

Covers the cost of reaching the nearest hospital with all the facilities available in the ambulance.

Difference between Employee Benefit Products vs Individual Products

Health Insurance
Group Insurance
Individual Insurance
Designed as needed
Age Limit
As per employer choice
As per insurance companies guidelines
Maternity Benefit
Covered from day one
Covered with 2-3 years waiting period
Pre exisiting disease
Can be covered from day 1
Covered after 2-4 years waiting period
Accidental Insurance
Group Insurance
Individual Insurance
Designed as needed
Family Floater
Medical Extension
Term Life Insurance
Group Insurance
Individual Insurance
Coverage - suicide
Can be covered from day one
After one year
Minimum Group Size
After one year

Why Choose PrishaPolicy

5 Reasons why you should choose us to be your policy issuing partner of choice. Allow us to tell you why we are one of the fastest growing insurance brokers.

Customer-Centric Culture

For us, you always come first. Our products and services are designed to find the best coverage for all.

A Decade of Market Leadership

Our teams expertise and experience makes them the perfect guides in choosing a policy that fits your needs.

Reliable and Consistent

Rest assured that everything will be taken care of without a glitch. From shortlisting to claims processing & delivering promises without a hitch.

Guided Policy Assistance

Our experts are forever ready to assist you through each policy detail with a fine-tooth comb.

Claims Assistance

Our DNA prompts - Sales is incomplete without timely support. From start to end, we facilitate smooth processing from lodging to settlement.

Still Thinking About It?

Get on a call with us. We take pride in being associated with you for competitively managing your risks with the best insurance covers and delivering a stress-free experience.

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Questions You Might Have

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

Pre-hospitalization expenses refer to the medical expenses incurred before getting admitted to a hospital. Post-hospitalization expenses refer to the cost of follow-up tests and consultation treatment charges incurred after getting discharged from the hospital. Health plans in India mostly cover pre-hospitalization expenses up to 30 to 60 days and post-hospitalization expenses up to 60 to 90 days, depending on the plan.

At what age can I include my children in my health insurance plan?

You can include your children in a family floater policy from day 1. In some health plans, children are covered from 91 days onwards. Nonetheless, you are advised to go through the terms and conditions of a health plan carefully to know about the entry age for children.

Which diseases are not covered in health insurance?

A health insurance policy usually does not cover HIV/AIDS treatment except for a few companies. Any claims arising out of congenital disorders, venereal diseases, general debility. sexually transmitted disease and dental treatment/surgery (unless required as a part of treatment) is excluded from health insurance coverage. But do check your policy wordings to know more about the detailed list of exclusions in a health insurance plan.

What is a Cumulative Bonus in a health insurance plan?

A cumulative bonus in health insurance implies monetary benefits that the insurer provides you as a reward for not filing a claim during the previous policy year. For instance, discount on premium or sum insured enhancement. It is also called a No Claim Bonus similar to that in car insurance. However, the policy benefits differ from one health insurance company to another.

What do you mean by No claim bonus in health insurance plans?

No claim bonus (NCB) is a discount on the base premium offered if no claim on the health policy is made during the previous policy term. This bonus is usually given in the form of a premium discount or enhancement of the sum insured amount.

What is the maximum number of health insurance claims allowed in a year?

The maximum number of claims allowed under health insurance during a policy year varies from one plan to another. While some plans allow you to raise only one or two claims per policy tenure, a lot of plans do not come with any limit to the number of claims that you can file during a policy year as long as the sum insured is not exhausted. You can contact your insurer to know about the number of claims that you are permitted to file during a policy year.

What to do if my health insurance policy renewal date is missed?

Ans: If you have missed the renewal date of your health insurance policy, you must renew your policy as soon as possible. You can renew it during the grace period preventing the policy from getting lapsed. But if you renew your policy after the grace period, it will get lapsed and you may have to undergo a medical test or pay a higher renewal premium.