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Individual Health Insurance

What's covered in this policy!

Sum Insured rebound

This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.

No Entry Age Restriction

If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.

Lifetime Renewability

Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.

Tax Savings

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.

Free Renewal Health Check-up

Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.

Mental healthcare

Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.

Recovery benefit

If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)

Organ Donor Expenses

Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

Daycare procedures

Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.

Pre & Post Hospitalisation

It means all your pre-hospitalization expenses upto 90 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.

Hospitalization expenses

Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.

Home Health care

If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.

No Medical Test Upto 45 Years

If you are young, hale and hearty then get yourself a health insurance plan without any medical check-ups.

Installment Benefit

Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.

Why this is a must-have policy?

Tax Savings

Insurance is a tax saving instrument. Enjoy upto ^^75,000 Tax savings annually under section 80D with health insurance plans.

Early Decision

Getting insurance early has innumerable benefits right from lower premiums to wider coverage options.

Big Savings

Avail discounts on paying for 2/3 years policy tenure, also buying insurance policy for more than 2 family members on individual sum insured basis can fetch you more discounts.

Beat medical inflation

The cost of medical treatment in India is always on the rise. With adequate medical insurance, you can insure an unfortunate ailment at an early age.

Inadequate insurance

Do you think you are securely covered under one insurance policy against all threats? Be informed that your employee health cover may prove insufficient.

Lifestyle Diseases

Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread.

Family Health Insurance

What's covered in this policy!

No Entry Age Restriction

If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.

Lifetime Renewability

Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.

Tax Savings

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.

Free Renewal Health Check-up

Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.

Mental healthcare

Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.

Recovery benefit

If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)

Organ Donor Expenses

Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

Daycare procedures

Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.

Pre & Post Hospitalisation

It means all your pre-hospitalization expenses upto 90 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.

Hospitalization expenses

Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.

Home Health care

If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.

No Medical Test Upto 45 Years

If you are young, hale and hearty then get yourself a health insurance plan without any medical check-ups.

Installment Benefit

Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.

Sum Insured rebound

This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.

Why this is a must-have policy?

Lifestyle Diseases

Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread.

Inadequate insurance

Do you think you are securely covered under one insurance policy against all threats? Be informed that your employee health cover may prove insufficient.

Beat medical inflation

The cost of medical treatment in India is always on the rise. With adequate medical insurance, you can insure an unfortunate ailment at an early age.

Early Decision

Getting insurance early has innumerable benefits right from lower premiums to wider coverage options.

Integrated Wellness Services

Holistic wellness is the key to an overall healthy lifestyle. Our insurance plans cover wellness services too.

Tax Savings

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.

Parents Health Insurance

What's covered in this policy!

No Entry Age Restriction

If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.

Lifetime Renewability

Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.

Tax Savings

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.

Free Renewal Health Check-up

Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.

Mental healthcare

Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.

Recovery benefit

If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)

Organ Donor Expenses

Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

Daycare procedures

Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.

Pre & Post Hospitalisation

It means all your pre-hospitalization expenses upto 90 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.

Hospitalization expenses

Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.

Home Health care

If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.

No Medical Test Upto 45 Years

If you are young, hale and hearty then get yourself a health insurance plan without any medical check-ups.

Installment Benefit

Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.

Sum Insured rebound

This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.

Why this is a must-have policy?

Lifestyle Diseases

Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread.

Inadequate insurance

Do you think you are securely covered under one insurance policy against all threats? Be informed that your employee health cover may prove insufficient.

Beat medical inflation

The cost of medical treatment in India is always on the rise. With adequate medical insurance, you can insure an unfortunate ailment at an early age.

Big Savings

Avail discounts on paying for 2/3 years policy tenure, also buying insurance policy for more than 2 family members on individual sum insured basis can fetch you more discounts.

Beyond Diseases

Our health insurance plans come with wellness benefits such as guidance on the right kind of diet, fitness regime, nutrition, health related tips etc.

Tax Savings

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.

Senior Citizen Health Insurance

What's covered in this policy!

No Entry Age Restriction

If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.

Lifetime Renewability

Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.

Tax Savings

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.

Free Renewal Health Check-up

Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.

Mental healthcare

Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.

Recovery benefit

If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)

Organ Donor Expenses

Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

Daycare procedures

Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.

Pre & Post Hospitalisation

It means all your pre-hospitalization expenses upto 90 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.

Hospitalization expenses

Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.

Home Health care

If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.

No Medical Test Upto 45 Years

If you are young, hale and hearty then get yourself a health insurance plan without any medical check-ups.

Installment Benefit

Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.

Sum Insured rebound

This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.

Why this is a must-have policy?

Lifestyle Diseases

Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread.

Inadequate insurance

Do you think you are securely covered under one insurance policy against all threats? Be informed that your employee health cover may prove insufficient.

Beat medical inflation

The cost of medical treatment in India is always on the rise. With adequate medical insurance, you can insure an unfortunate ailment at an early age.

Big Savings

Avail discounts on paying for 2/3 years policy tenure, also buying insurance policy for more than 2 family members on individual sum insured basis can fetch you more discounts.

Beyond Diseases

Our health insurance plans come with wellness benefits such as guidance on the right kind of diet, fitness regime, nutrition, health related tips etc.

Tax Savings

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.

Critical Illness Insurance

Items Included!

Lifetime Renewability

Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.

Ensures quality medical treatment

You won’t have to worry about not being able to afford the medical expenses at quality hospitals.Courtesy the insurance, you can get the best treatment available that will get you up and running in no time.

Free Look Period

We provide a free look period of 15 days starting from the date of receipt of the policy document.

Safeguards your finances

Your treatment will have little or no impact on your hard-earned savings as the insurance will take care of the hospital bills.

No medical Check-ups

No medical check-ups up to the age of 45 years.

Tax saving under section 80D

Taking this insurance will also give you tax benefits and you can save tax up to ^^Rs. 50,000.

Items Excluded!

Adventure sport injuries

Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries

You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

War

War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.

Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of obesity or cosmetic surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

Medisure Health Super Top Up

Items Included!

In patient Hospitalisation

Hospitalisation is a testing time for all. With my:healthMedisure Super Top Up Insurance, we ensure full coverage upto the sum insured without any sub-limits.

Pre & Post Hospitalization

Pre and post hospitalisation are both critical phases and might be ignored due to the paucity of finances. With this plan, get full uncompromising health care.

Day Care Procedures

With technological advancement, some of the most advanced surgeries are now covered under day care. Ensure the best of services for yourself and your family and get full coverage upto sum insured.

Items Excluded!

Adventure sport injuries

Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries

You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

War

War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.

Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of obesity or cosmetic surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

The foundation of success in life is good health: that is the substratum fortune; it is also the basis of happiness.
Thus, Health Insurance Guarantees for the if in life!

Click Here To Know More About Health Insurance

Q1.  What is Health insurance?

Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over numerous persons. By estimating the overall risk of health care and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement.The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.

Q2.  Importance of Health Insurance.

Health is the priority for each individual. However, with growing expenses it becomes difficult for us to survive and keep us physically fit. Therefore, Health insurance plays a pivotal role in providing financial shelter to by keeping the nation physically fit and healthy.

Q3.  Benefits of Health Insurance.

Benefits of Health Insurance are as listed below :-
  • Health Coverage: Health Insurance plans have enhanced offerings to cover a wide spectrum of requirements, like a family health plan offers complete cover to all members of a family under a single umbrella:-
    • Medical Bills: Coverage against medicinal expenses incurred, including pre and post hospitalization.
    • Pre-existing Diseases: Coverage for any pre-existing disease is provided to you after a certain waiting period.
    • Claim Reimbursement: Coverage for expenses incurred for hospitalization due to a medical
  • Tax Rebate: Annual premium paid for health coverage are subject to tax exemption u/s 80D of ITA, 1961. Tax exemption ranges from Rs. 25,000 to Rs. 60,000.
  • Other Benefits: As an innovative feature, OPD expenses are now covered under few Insurer plans and don’t require hospitalization for minimum 24 hrs to claim reimbursement. Stand alone OPD plans are also available in the market.

Q4.  Important Key terms of Health Insurance.

There are several key terms of health insurance. Here, we are listing some of the important key terms of health insurance plans for policy holders.

Check them out:

Sum Assured :-
This is the amount you can expect to receive from the insurer for hospitalization expenses. If bills are more than the sum assured, then you need to bear the amount above the sum assured on your own.

Co-pay:-
It is a certain percentage of the claim you need to bear. The insurer will offer to pay the remaining claim amount.

Sub-Limits:-
Within the policy, you will find some sub limits i.e. the maximum you can get even if you aren’t exhausting your overall coverage. Room rent is one component that carries its sub-limit, beyond which you won’t be reimbursed by the insurer.

Comprehensive Cover:-
A comprehensive plan offers the widest coverage against every illness and thus provide your family with optimal protection.

No claims bonus (NCB) :-
NCB is an incentive for not raising a claim in the previous year. The incentive can be in the form of reduced premium or enhanced coverage.

Critical illness :-
- A serious disease or a chronic condition like Cancer or Heart Attack. For such diseases, it is better to opt for critical illness cover that provides lump-sum amount upon being diagnosed with the illness.

Q5.  Why Taking Health Insurance from Us?

We as an insurance broker are someone who advises people on their insurance needs and negotiates insurance contracts on their behalf with insurers in return for a fee or commission. Insurance brokers act as middlemen between firms that want to insure their property and casualty risks and the insurers that underwrite policies. We are a specialist in insurance and risk management. We act on behalf of our clients and provide advice in the interests of our customers. We help you arrange and place the cover with the chosen insurer and can often provide advice on how to make the most of your insurance budget.

Q6.  What is the difference between an insurance agent and a broker?

Both insurance brokers and insurance agents act as intermediaries between insurance buyers and insurers. The primary difference between an insurance broker and an insurance agent is who each represents. While a broker represents the insurance buyer, an agent represents one or more insurance companies.

Q.7   Types of Health Insurance Plans.

With more companies issuing health insurance products to suit various lifestyles and personal requirements, it can become rather confusing to decide which is the best mediclaim policy and what purpose they serve. To choose the best health insurance plan for your requirements, it is important to know about different types of health insurance policies, coverage extent, features, and customization options:
  • Individual Plans: This is the best mediclaim policy for single person or for those people who live by themselves. It covers hospital and surgical expenses to the extent of the sum assured under the policy. The coverage is subject to the maximum amount specified by the policy.
  • Family Floater Plan or Mediclaim Policy for Family:This type of health insurance covers the entire family under one single plan for the payment of a single premium. The policyholder will specify who all are to be covered, including themselves, spouse, children and parents as required. Such policies cover simultaneous medical events of more than one member of the family as well; subject to the claim limit of the maximum sum assured by the insurance company. Such health insurance plans for family tend to be much more economical than buying individual plans for every member separately.

Looking to buy a policy with us?

Process to acquire Health Insurance:

  • Step 1: Login into the website www.policymaster.com
  • Step 2:To get insurance quotes, key in all the above mentioned details in the form and click on next.
  • Step 3:Once done, you will get the insurance quotes from all our associated companies with their premium value and available add ons.
  • Step 4:Once you have selected the desired insurance quote, please complete the proposal form with all the necessary details.
  • Step 5: Once done, you will be then redirected to the payment gateway , where, you can make the payment through debit/ credit card/ Net banking.