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Health Insurance for You & Your Family

Top features to an ideal health plan

Types of Health Insurance Plans

Medical Emergencies

The thing about medical emergencies is that they can hit anyone, anytime regardless of age, gender or lifestyle. Since it can't be predicted, one can always be prepared for it. Health Insurance protects everyone in your family against financial loss from the unexpected. It's an agreement between you and your insurance company, where for an annual premium, the insurer pays for your hospitalization and other medical expenses as mentioned in your policy.


This provides for the hospitalization expenses you might face in case of accidents, day-care procedures, surgical treatments or critical illnesses. However, the features, limits and sum assured will vary from insurer to insurer.

Super Top-up Health Plan

Similar to top-ups for mobile network services, this adds supplementary coverage to your existing health plan. The aim is to increase overall sum assured with its corresponding coverage by paying a relatively lower premium.

Understanding What is Covered

Must-know inclusions in health insurance
  • Zero Depreciation Cover

    If you are admitted for treatment in a network or a non-network hospital for more than 24 hours.

  • Pre-post hospitalization

    Medical expenses including diagnostic reports, medicines etc. for the treatment you are hospitalized.

  • Day care procedures

    OPD treatments are not included, but procedures such as cataract and kidney stone removal are covered (even if they don't need 24-hour hospitalization).

  • Accident cover

    For medical and other out-of-pocket costs in case of an accidental injury. In fact, this cover is active from the very first day of policy issuance.

Factors to Watch Out Before Buying Health Insurance Plan

Selecting a suitable health plan to protect everyone in your family is not an easy task (Unless, you have been buying insurance only to save on tax so far). Thus, always compare health insurance plans on the basis of the following crucial factors:

Premium v/s coverage


Assess if the cover and sum assured are suitable against the premium paid. Choose add-ons as per your needs.
Network Hospitals


Be sure of the insurer's network hospitals in your area. You can avail of cashless services only at these hospitals.
Room rent limit


Since hospital room rents vary, some insurance plans pay only a part of the actual rent. It's always best to go for higher or no room-rent limit plans.


Check what is permanently excluded and which treatments are possibly covered after waiting for a certain period.

Why Should You Buy Health Insurance Plans Online?

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We are spoilt for choice and don't like to compromise on quality. This applies to the insurance we would want to buy too. From the neighbourhood insurance agent to the banks we frequent - we would want to explore all options. But, with the revolutionary innovation in the e-commerce sector, an online broker should be your definitive choice. Why?


The whole concept of insurance brokers revolves around offering essential insurance services to consumers on priority. Since they are licensed by the IRDA, brokers are liable to provide specific solutions as per your distinct requirements. They can be approached for unbiased and accurate advice.


Online insurance brokers, such as Coverfox.com, have a user-friendly interface and secure payment gateways, where even a newbie can access and purchase the insurance policy as per their requirement. And when they offer the facility to compare and choose with ease and simplicity, why look back?

Post Sales Service

For anything and everything related to your health insurance policy, you can contact your broker. They can easily help you manage your policy and handle the requests on your behalf while dealing with the insurance companies. Anything from changing the address to filing a claim—a phone call is all it'll take.

Claims assistance

Brokers, like Coverfox, have a dedicated claims team that handle all claims-related concerns and questions of their customers. They are expert in everything— right from scrutinizing the required documentation for filing the claim to the final settlement. A guaranteed peace of mind for the customer.

Coverfox advantage Coverfox Advantage

Expert Advice

Expert advice and an informed, unbiased opinion that clears the confusion and helps you buy that perfect plan for you. Can it get any easier?
Expert advice


Service Managers who assist you with all your post-sale requirements - from claims processing to renewals! They are like superheroes, but only better.
Post sales assistance
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Best Health Insurance Plans in India

While there are a lot of health plans available in the market, we have collated a list of top insurance plans below:

Health Insurance Plan Age Type of Plan Sum Insured Benefits
Religare Care Plan Children 5 years
Adults Min- 18 Years Max- No Age Limit
Individual Plan
Family Floater Plan
2/3/4/5/7/10/15/20/25/50/60 Lakh
  • Recharge benefit equal to 100% of the sum insured
  • Health check-up once every year, irrespective of claims made, for individuals of age 18 years and above
  • No-claim bonus super add-on cover which makes no claim benefit equal to 60% of the sum insured
  • Specific treatments (listed in the policy document) anywhere in the world for sum insured Rs. 50, 00,000 and above.
Max Bupa Companion Health Insurance Policy Children 91 Days
Adults Min- 18 Years Max- No Age Limit.
Individual Plan
Family Floater Plan
2 - 100 lakhs
  • The policy is tailor-made for Individual, Couple, Nuclear Family & Extended Family
  • Comprehensive cover up to Rs.1 Crore
  • Lifetime renewability
  • Smart Top-up options for additional coverage
  • Cashless treatments in more than 3500 network hospitals
  • 12.5% discount on second year’s renewal premium if you opt for a two-year policy tenure
  • Tax benefit on premium paid under Section 80D of the Income Tax Act.
Oriental Happy Family Floater Mediclaim Plan Children 91 Days
Adults Min- 18 Years Max: 65 years.
Family Floater Plan Silver:1 lakh to 5 lakh, Gold: 6 lakh to 10 lakh
  • One sum insured for the whole family including parents and parents-in-laws.
  • No pre-policy medical test for individuals up to the age of 60 years
  • Based on the benefits, policy is available in two options – Silver & Gold
  • Personal Accident Cover and Life Hardship Survival Benefit available at extra premium
  • If you do not prefer the TPA (Third Party Administration) services, you can get additional 5% discount on the premium.
Senior Citizen Red Carpet Plan Children- N/A
Adults : 5 Years Min : 60 years Max: 75 years
Individual Plan
Family Floater Plan
1 Lakh to 10 Lakh
  • No pre-policy medical check-up required
  • Covers for any medical consultations as an Out Patient in a Network Hospital
  • Lifetime Renewability
iHealth Plan Children in Individual Plan 3 Months- 23 Years
Family Floater Plan Children- 6 years – 23 Years
Adults Individual Plan Above 18 Years
Adults Family Floater Plan Above 18 Years
Individual Plan
Family Floater Plan
2 Lakh to 10 Lakh
  • Does not have limit on room rent expenses
  • Does not have co-pay for any claim.
  • This plan offers no-claim bonus equal to 10% of sum insured up to a maximum of 50% after every claim free year.
Apollo Munich Easy Health Individual Plan Minimum Age- 3 Months Maximum Age- 65 Years Individual Plan Standard- 1 Lakh- 5 Lakh Exclusive- 3 Lakh- 50 Lakh Premium- 4 Lakh- 50 Lakh
  • This plan does not have any limit on room expenses.
  • No-claim bonus equal to 10% of basic sum insured up to a maximum of 100 % is available for each unclaimed year. However, the cumulative bonus is reduced by 10 % of sum insured once a claim is made.
  • Basic sum Insured is not affected raising a claim however, the cumulative bonus is reduced at the time of renewal.
Max Bupa Heartbeat Health Insurance Policy Children 91 Days
Adults Min- 18 Years Max- No Age Limit
Individual Plan
Family Floater Plan
Silver: Rs. 2 lakhs to Rs. 3 lakhs
Gold: Rs. 5 lakhs to Rs. 50 lakhs
Platinum: Rs. 15 lakhs to Rs. 1 crore
  • The policy is available in three separate variants – Silver, Gold & Platinum
  • Discount on premium if you opt for a two-year policy term
  • Reward program on offer for the premium paid
  • No minimum or maximum age limit for the enrollment
IFFCO Tokio Swasthya Kavach Plan Children 91 Days
Adults Min- 18 Years Max- 65 Years
Family Floater Plan Base plan: Rs. 2 lakhs to Rs. 5 lakhs
Wider plan: Rs. 2 lakhs to Rs. 5 lakhs
  • Cover for entire family (2 Adults and two children)
  • Option of Critical Illness Add-on
  • Emergency services like care for minor kids, referral, medical consultation, etc.
  • Available in two options – Basic & Wider Plan

You happy. We happy.

Frequently Asked Questions

  • What are the things to look for while choosing a health insurance plan?
    • While choosing a health insurance policy there are a few things which you should be consider:

      • Number of members and relations to be covered- Because this will be the basis of buying the policy
      • Type of coverage – Individual, family floater or group
      • Sum insured or coverage amount – Ensure that you consider future expenses too
      • Room rent – Check for the capping amount or criteria defined, if applicable
      • Sub-limits or co-pay applicable – Check for the sub-limits applicable for some specific list of ailments or package treatments. Also check if the plan has co-pay feature.
      • Network hospital list – Check for the list of network hospitals and try buying a policy which covers your regular hospitals
      • Policy wording – Most important thing to check before buying a policy. In case you are not sure about certain terms or conditions you can always contact the insurer for clarification.
  • Can I get a single health insurance floater policy which can cover my parents or in laws too?
    • Yes. There is health insurance plan like Heartbeat family first which covers 14 relations including in-laws and parents.

  • What are some of the important exclusions under a Mediclaim policy?
    • There are four important types of exclusions in a Mediclaim policy. These are:

      • Time-related exclusions: e.g. Waiting period- general, specific ailments and pre-existing
      • Non-medical expenses: e.g. Registration charges
      • Illegal reasons: e.g. drugs, alcohol abuse, self-inflicted injuries
      • Out-of-scope: e.g. unproven medical procedures, HIV, adventure sports, etc.
      • Room rent: This may not be an exclusion, however, do check for the capping amount on room rent, if applicable
  • Can I cancel my policy? If yes, will I get my premium back?
    • Yes you can cancel a policy after you buy it. A free look period of 15 days is provided to you after buying a policy to understand the terms and conditions. In case there is any objectionable clause, you can cancel the policy and get a refund. Stamp duty, expenses on medical check-up and proportionate risk premium (the number of days that the insurance company was at a risk of bearing your health expenses) would be calculated while the premium amount is refunded. Refer the policy termination or policy cancellation section in your policy wording to know the amount that would be refunded.
      Note: For a refund, there shouldn't have been any claim during the policy period.

  • Does a health insurance plan cover maternity?
    • Health insurance policy is designed to cover unforeseen medical expenses, but a normal health insurance policy does not cover maternity expenses. Coverage for maternity expenses is one of the additional features offered by some of the health insurance plans at a higher premium and waiting period. To know more about maternity health insurance, please read more here.