Medical cost protection
Reduce the impact of eligible hospital and treatment expenses on your savings.
Health cover for every life stage
Protect your health.
Protect your health.
Preserve your savings.
Compare suitable health insurance options for yourself, your family and your parents with clear guidance on coverage, waiting periods, network hospitals and claims.
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CashlessNetwork care
Quick Guide
What is health insurance?
Health insurance is a financial protection plan that helps pay eligible medical expenses according to the policy terms. Depending on the plan, it may cover hospitalisation, day-care procedures, pre- and post-hospitalisation expenses, ambulance charges and specified treatments.
You pay a premium to keep the policy active. When medical care is required, eligible expenses may be settled through a cashless network hospital or reimbursed after documents are submitted.
Why it matters
Benefits that support health and financial confidence
Cashless treatment
Access cashless claim facilities at hospitals included in the insurer's network.
Family protection
Choose individual or family floater cover based on members, age and medical needs.
Tax consideration
Eligible premiums may qualify for deductions under applicable income-tax rules.
Plan Types
Choose coverage designed for your needs
Plan availability and benefits vary by insurer. FINANZIA SERVICES helps you understand the differences before you decide.
Individual Health Insurance
Separate sum insured and coverage for one insured person.
Family Floater Plan
A shared sum insured that covers eligible family members under one plan.
Senior Citizen Plan
Plans structured around the healthcare requirements of older adults.
Critical Illness Cover
A defined benefit for specified critical illnesses, subject to policy conditions.
Top-up & Super Top-up
Additional protection above a specified deductible or threshold.
Group Medical Cover
Coverage offered to eligible members of an organisation or defined group.
Coverage Check
Understand what may be covered—and what needs checking
Common coverage areas
- In-patient hospitalisation
- Specified day-care procedures
- Pre- and post-hospitalisation expenses
- Ambulance charges within stated limits
- AYUSH treatment when included
- Health check-ups or wellness benefits in eligible plans
Conditions to verify
- Initial and disease-specific waiting periods
- Pre-existing disease waiting period
- Room-rent limits and proportionate deductions
- Co-payment, deductible and sub-limits
- Permanent exclusions and non-medical items
- Geographical and network restrictions
Coverage is policy-specific. Always read the policy wording, benefit schedule and exclusions before purchase.
Simple Process
How health insurance works
Assess your needs
Consider age, family size, city, medical history, existing cover and preferred hospitals.
Compare plans
Review coverage, premium, waiting periods, co-payments, network and claim service.
Complete disclosure
Share accurate health and lifestyle information and complete medical tests if requested.
Use your cover
Follow the insurer's cashless or reimbursement process when eligible treatment is needed.
Claims Guide
Cashless and reimbursement claims
At a network hospital
The hospital sends a pre-authorisation request to the insurer or TPA. Approved eligible expenses are settled directly, while non-payable items and applicable co-payments remain your responsibility.
Pay first, claim later
You pay the hospital and then submit the claim form, bills, reports, discharge summary and other required documents within the stated timeline.
Documents
Keep basic information ready
PAN, Aadhaar, passport, voter ID or another accepted identity document.
Accepted address proof such as Aadhaar, passport or utility/bank document.
Birth certificate, passport, driving licence or another accepted age proof.
Health declaration, previous reports and medical tests when requested by the insurer.
FAQs
Frequently asked questions
When should I buy health insurance?
Buying earlier can help you complete waiting periods sooner and may offer lower premiums, but suitability depends on your circumstances and the insurer's underwriting.
What is a family floater policy?
It provides a shared sum insured for eligible family members under one policy. Check member eligibility, age limits and how a shared claim affects the remaining cover.
Are pre-existing diseases covered immediately?
Usually they are covered only after the waiting period stated in the policy. Some products may offer different terms, so verify the schedule carefully.
What is a network hospital?
It is a hospital where the insurer or TPA may provide cashless claim service, subject to authorisation and policy conditions.
Can I have more than one health policy?
Yes, subject to applicable rules. Claim coordination and contribution may depend on the type of expense and policy terms.
Does health insurance cover every medical expense?
No. Policies contain exclusions, limits and non-payable items. Review the policy wording and claim rules before purchase.
Need help comparing options?
Talk to a FINANZIA health insurance advisor
Share your family size, age group and preferred coverage. We will help you understand suitable options and important policy conditions.