Health Insurance

Find the most affordable health insurance plans curated for individuals, families & seniors from the leading insurance companies in India at one place.


Health Insurance details

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claim settlement




health coverage

Tax Benefit

upto Rs.50,000

Top Health Insurance Plans

Several good plans are available at a cost that will enhance your day.

Top plans

Star Health

  • Min Premium - ₹ 3600/year
  • Net Work Hospital - 11000+ hospitals
  • Claim settlement Ratio - 90%
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Future Generali

  • Min Premium - ₹ 4544/year
  • Net Work Hospital - 6303+ hospitals
  • Claim settlement Ratio - 87.42%
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  • Min Premium - ₹ 6935/year
  • Net Work Hospital - 12000+ hospitals
  • Claim settlement Ratio - 97%
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Manipal Cigna

  • Min Premium - ₹ 6600/year
  • Net Work Hospital - 8500+ hospitals
  • Claim settlement Ratio - 98%
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New India Assurance

  • Min Premium - ₹ 2800/year
  • Net Work Hospital - 8761+ hospitals
  • Claim settlement Ratio - 97%
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  • Min Premium - ₹ 4320/year
  • Net Work Hospital - 2177+ hospitals
  • Claim settlement Ratio - 89%
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  • Min Premium - ₹ 6320/year
  • Net Work Hospital - 5177+ hospitals
  • Claim settlement Ratio - 92%
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  • Min Premium - ₹ 4188/year
  • Net Work Hospital - 8000+ hospitals
  • Claim settlement Ratio - 100%
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Royal Sundaram

  • Min Premium - ₹ 3360/year
  • Net Work Hospital - 8300+ hospitals
  • Claim settlement Ratio - 98%
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Care Health

  • Min Premium - ₹ 5740/year
  • Net Work Hospital - 19000+ hospitals
  • Claim settlement Ratio - 95%
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Care Health

  • Min Premium - ₹ 5740/year
  • Net Work Hospital - 19000+ hospitals
  • Claim settlement Ratio - 95%
Get quotes



  • Min Premium - ₹ 15636/year
  • Net Work Hospital - 10000+ hospitals
  • Claim settlement Ratio - 90%
Get quotes


Health Insurance Companies


Health Insurance Plan

Health crises strike without prior notice, regardless of age, gender or health profile. It is better to be prepared financially with a good health insurance plan.

Hassle-free documentation, paperless processes and instant policy delivery are some of the advantages of choosing your health insurance plan at Fincover.

What is Health Insurance policy?

A health insurance policy is your legal contract with an insurance company under which your medical expenses are covered. This can be actual hospitalisation expenses or a lump sum. 

Insurance companies have a network of hospital tie-ups so you can get cashless treatment. If you opt for a non-network hospital you can pay for your treatment and make a claim against bills.

Health Insurance Types

Some health insurance policies reimburse your hospitalization and related expenses; others pay a lump sum when a diagnosis is made. They may have built-in or add-on benefits like daily cash benefits, second opinion, and ambulance charges. Here are some types of health insurance policies.


Family Floater Plan

.Family floater Health Insurance plans cover all family members under a single policy. All the family members enrolled in the policy can enjoy the benefit of the sum assured. Under this plan, a predecided sum assured is fixed for the family. It can be used by either one or by all during the policy tenure.


Individual Health Insurance

Covers the hospitalisation expenses of an individual. The insured can avail cashless hospitalization, reimbursement and even coverage for domiciliary treatment. Many add-on plans to enhance the coverage are available.


Senior Citizen Health Insurance

Covers those above the age of 60 for hospitalization expenses including day-care procedures and pre- and post-hospitalization payments. Under this plan, the senior citizens can avail benefits such as yearly health check-ups. Most senior citizen plans cover pre-existing diseases after a certain waiting period.

Accidental policy

Personal Accident Insurance

A Personal Accident Insurance policy offers a lump sum benefit for accidents that may lead to disability or death. It is an annually renewable policy and can cover individuals or groups. This claim paid is a benefit and is not linked to any expenses incurred for treatment, if any. You can make claims under benefit policies over and above your hospitalization policies.


Critical Illness Insurance

Critical Illness and major surgery plans offer a pre-defined amount when a listed illness is diagnosed, or a listed surgery becomes necessary. Unlike hospitalization policies, actual expenses are not relevant, and the claim is paid as a lump sum benefit. Disease-specific policies for cancer, Covid-19, dengue or heart diseases are also available.


Group Health Insurance plans

Group Health Insurance plans provide comprehensive medical coverage to a collective of individuals, typically offered by employers to their employees. These plans often offer cost-effective premiums, extensive network coverage, and various benefits tailored to the group's needs.


Mediclaim Policy

Mediclaim‌ ‌is‌ ‌a‌ ‌health‌ ‌insurance‌ ‌policy‌ ‌that‌ ‌covers‌ ‌the‌ ‌cost‌ ‌of‌ ‌hospitalization‌ ‌in‌ ‌case‌ ‌of‌ ‌any‌ ‌health‌ ‌issues.‌ ‌‌The‌ ‌coverage‌ ‌amount‌ ‌extends‌ ‌up‌ ‌to‌ ‌the‌ ‌sum‌ ‌assured‌ ‌opted‌ ‌by‌ ‌the‌ ‌insurer.‌


Maternity Insurance

Every insurance company offers maternity health insurance. With this policy, the insurer can avail benefits such as pre- and post-natal care and child delivery whether normal or C-section). Some providers even cover vaccination expenses for new-born babies.

Why Health Insurance?

My employer gives me a health plan, why should I buy a separate policy? If this is your question remember, that the coverage may be inadequate or not entirely appropriate for your needs. Moreover, you will have this cover only as long as you are with this employer. 

Statistics show that over 90 percent of Indians pay for major medical expenses out of their own pockets since they did not or could not buy health insurance. Many families have to sell assets to afford treatment costs.

Health insurance is the solution to ensure your financial security in the face of healthcare expenses. You also get tax deductions on premiums under section 80D of the Income-tax Act, 1961.


Benefits of Health Insurance

Health insurance provides you financial cover for medical emergencies which may be unaffordable otherwise. It can pay for expenses like hospitalization, medical tests, doctors’ and surgeons’ fees and ambulance charges as per the terms of your policy. Some health policies pay a lump sum on diagnosis or recommendation of surgery.
You can get the best treatment in the finest of hospitals without spending a paisa. The health insurance company pays your bills directly to the hospital, so can undergo your medical procedures with peace of mind and without any hassles.
Your health insurance premium entitles you to a tax deduction under section 80D of the Income-tax Act, 1961.
Since insurance companies have a good network of major hospitals, you can get timely medical attention and treatment.
No health insurance claims in a policy year can mean higher sum insured when you renew your policy. Make sure you keep your health insurance valid to avail this benefit.
You have not made a health insurance claim in a few years? Your policy could pay for a medical check-up. One more reason to keep your health insurance valid.


There are several reasons why you should apply

How to buy

Buy Health Insurance

Fincover gets you the best insurance available in the market. Our compare and buy feature helps you choose the most suitable policy. Here is what you need to do:

  • Log on to “”
  • Enter your name, age and other details
  • Enter the covers and benefits you want
  • Choose “Buy Insurance”
  • Health insurance policies from various insurance companies will be displayed
  • Analyze and choose the policy best suited to your needs
  • Pay the premium using your preferred payment method
  • Check for confirmation in your registered email id. Make a printout of the policy for your reference.
Medical examination is required for some health policies depending on your age, health profile and the scope of coverage. The lower the age, the better the health profile and lower the sum insured, the less likely a medical examination will be required.
Yes. There are specialised health insurance policies for senior citizens and you can avail of individual or floater plans for yourself and your wife.
Hospitalization policies issued by Indian companies cover treatment expenses only within India. To protect yourself from unforeseen expenses like this in the future, you may buy a travel insurance policy which has a hospitalization cover as well.
You should purchase health insurance to avoid draining your personal savings in the event of sudden health complication. Your health insurance provider will take care of the medical expenses in the event of hospitalization.
Yes. The option to pay monthly premiums for hospitalization insurance has been offered recently. Please check the terms before you opt for it and remember, you need to keep your policy valid at all times by being prompt with premium payments.
Yes, you can have more than one hospitalization insurance plan and you can make claims under them to avail higher coverage. However a combination of a basic policy and a top-up plan and/or a benefit based critical illness plan may be more beneficial.
You can increase the sum insured for your health insurance policy at the time of renewal. The waiting period for pre-existing conditions and specified procedures will start at that time for the enhanced amount.
Yes. You can get coverage for yourself, spouse, kids, parents and parents in law under the same policy. You can opt for individual sum insured for each or a family floater. .
Yes, there are many benefits in purchasing health insurance while you are young such as low premium, lower rejection rates, getting over with your waiting period, cumulative bonuses.
No, there is no limit on the number of claims. However, your sum insured is the limit of your annual cover.

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