Health Insurance in India — the details
Because one hospital bill should not undo years of savings.
Healthcare costs can be unpredictable. Health insurance can help protect your finances against eligible medical and hospitalisation expenses according to the terms of the policy. Padmajaya Life helps individuals and families understand their health insurance options.
Who May Need Health Insurance?
Individuals; married couples; families with children; parents; senior citizens; self-employed professionals; people without sufficient employer health cover; NRIs looking for eligible health cover connected to India.
What Should You Check Before Buying Health Insurance?
Do not look only at the premium. Also understand sum insured; waiting periods; room-rent conditions; pre-existing disease rules; co-payment; network hospitals; day-care procedures; exclusions; restoration benefits where applicable; claim process; policy renewal terms. The cheapest policy is not automatically the most suitable policy.
Employer Insurance May Not Always Be Enough
Many employees receive health insurance through work. That can be useful. But your employer decides the cover, and it may change if you leave the company. Depending on your situation, maintaining personal health insurance may provide additional continuity.
Health Insurance for Parents
Parents often have very different insurance needs from younger adults. Age, existing medical conditions, waiting periods, co-payment and insurer eligibility can all matter. Instead of choosing only on premium, understand the complete policy structure.
Need Help?
Tell us the ages of people requiring cover, city, existing insurance, known health conditions and preferred level of cover. We can then discuss relevant available options.