Health Insurance
Financial Protection That Stays With Your Family for Life.
Health insurance is a plan that helps take care of your medical bills when you’re unwell or injured. In simple terms, when you have a health plan in place, you receive financial support up to a certain limit each year, depending on the coverage you choose. This includes costs like hospital stays, surgeries, day-care procedures, ambulance charges, and expenses before and after hospitalization.
Having the right health insurance provides peace of mind by removing the stress of medical costs during an emergency. In addition to financial protection, you also receive tax benefits on the premium paid.
At InsuranceNamaha, we offer comprehensive health coverage with features such as Zero Waiting Period and 100% hospital bill payments, providing an extra layer of financial security during medical emergencies.
Key Features of a Health Insurance Plan
As medical inflation rises, treatments are becoming more expensive. Health insurance ensures that you can afford quality medical care during an emergency without losing all your savings. Here are the key reasons to invest in health insurance:
Pre- and Post-Hospitalization
Covers expenses before hospitalization to after discharge, ensuring complete protection throughout your treatment.
OPD Expenses Coverage
Includes coverage for outpatient services like doctor consultations, diagnostics, and teleconsultations, depending on the plan.
Cashless Hospitalization
Receive treatment at network hospitals without the hassle of immediate payments, making urgent care stress-free.
Coverage for Pre-Existing Diseases
After the waiting period, your health insurance will cover pre-existing conditions, offering peace of mind.
Add-on Benefits
Extend your coverage with add-ons like critical illness, maternity, and accidental death benefits, tailored to your needs.
Tax Benefits
Enjoy tax benefits on your premium under Section 80D of the Income Tax Act, helping you save while securing your health.
Ready to Get Started?
Protect your health and your family’s well-being with the right health insurance plan.
Which Are the Different Types of Health Insurance Plans?
We offer a range of health insurance plans to cater to different needs:
Health Insurance Plans for Self
An individual health insurance plan covers only one person but can often be expanded to include a spouse.
Health Insurance for Family
Family health insurance covers immediate family members (spouse, children, parents) under one plan, with shared coverage.
Senior Citizen Health Insurance
Designed for individuals above 65 years of age, this plan offers comprehensive coverage for elderly family members.
Critical Illness Insurance Plans
These plans provide coverage for serious and life-threatening diseases such as cancer, heart attacks, strokes, etc.
Corporate Insurance
This plan covers a group of people (e.g., employees of a company), providing a fixed sum insured for each member.
Our Health Insurance Partners
Empowering families with trust, security, and a brighter future.
What is the Ideal Health Insurance Coverage?
The ideal health insurance coverage for an Indian family, including aging parents, spouse, and children, is generally recommended to be about two times the family’s annual income, factoring in aspects like medical inflation.
Here are some factors to help determine your ideal coverage:
- Location: Your city of residence matters since healthcare costs tend to be higher in tier 1 cities compared to tier 2 or tier 3 cities.
- Age: The age of the oldest insured member can play a key role in deciding the coverage amount, as older individuals may have higher medical needs.
- Family Health History: If there’s a history of critical illnesses in the family, it’s wise to consider a higher coverage to create a safety net for future medical needs.
- Budget: Set a clear budget for health insurance. This will allow you to find a balance between affordable premiums and adequate coverage.
Why Choose InsuranceNamaha Health Insurance Plans Online?
Buying health insurance online with InsuranceNamaha comes with several benefits:
Time-Saving
The policy is issued quickly, often within minutes, saving you valuable time.
More Convenient
No need to visit branches or meet agents. Buy your policy online in a few simple steps.
Digital Payment
Secure and convenient digital payment methods to pay your premiums online.
Minimal Paperwork
Our online process involves minimal paperwork, saving you time and hassle.
Policy Available 24x7
Purchase health insurance anytime, even on public holidays—whenever it’s convenient for you.
Easier to Compare Plans
Compare health insurance plans from different insurers easily online and make an informed decision.
Lower Premiums
Online policies often come with lower premiums since insurers save on operational costs.
Frequently Asked Questions
What is health insurance?
What expenses are covered under health insurance?
- Hospitalization
- Pre & post-hospitalization
- Daycare procedures
- Ambulance charges (as per policy)