Health Insurance
Health insurance that actually pays when you need it
Compare plans from India's top health insurers, understand the fine print in plain English, and get an advisor on your side at claim time.
- Cashless treatment at 10,000+ network hospitals
- Plans for families, parents 60+ and pre-existing conditions
- Claim guidance, we tell you what to file and how
Health Insurance advice
Step 1 of 3
- Cashless treatment at 10,000+ network hospitals
- Plans for families, parents 60+ and pre-existing conditions
- Claim guidance, we tell you what to file and how
Compare health insurance from leading insurers
Before you choose
Costly health insurance mistakes we fix
These only show up at claim time. An advisor checks for every one of them before recommending a plan.
Room-rent cap
A room above the cap reduces every bill in proportion, surgeon, ICU, tests.
Only employer cover
Group cover ends when you switch jobs, often when new cover costs more.
Parents in the floater
One big claim for a parent can exhaust cover meant for your children.
Undisclosed conditions
Minor conditions left off the proposal form are a top reason for rejection.
What your advisor checks for you
- Room-rent and ICU limits
- Co-pay and deductibles
- Waiting periods for existing conditions
- Disease-wise sub-limits
- Restoration and no-claim bonus
- Network hospitals near you
Already have a health policy?
Upload it for a free review and we'll tell you what it does and doesn't cover.
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Types of health insurance
Not sure which one you need? Our advisors will help you combine them the smart way.
Know what you're buying
What's covered, and what isn't
We explain the fine print before you buy, not after you claim.
Usually covered
- In-patient hospitalisation (room, ICU, surgery, doctor fees)
- Pre-hospitalisation (30–60 days) & post-hospitalisation (60–180 days)
- Day-care procedures like cataract, dialysis and chemotherapy
- Ambulance charges
- AYUSH treatment (Ayurveda, Homeopathy, etc.)
- Annual health check-ups in most plans
- Restoration / recharge of sum insured
- No-claim bonus that increases your cover each year
Usually not covered
- Pre-existing diseases during the waiting period (usually 1–3 years)
- Specific illnesses in the first 1–2 years (e.g. cataract, hernia)
- Cosmetic or non-medically-necessary treatment
- Self-inflicted injuries, substance abuse
- OPD / consultation costs (unless an OPD add-on is chosen)
- Room rent above the plan's limit can reduce the whole claim proportionately
Coverage varies by insurer and plan. Always check the policy wording, we'll walk you through it.
Cover calculator
How much cover do you need?
A quick estimate in 4 taps. Your advisor will fine-tune it.
Suggested family cover
₹15 L – ₹40 L
Best structured as a base plan of ₹15 L plus a super top-up, usually far cheaper than one large policy.
Indicative only. Your advisor will recommend cover based on your full profile.
Tax benefit
Save tax under Section 80D
Your health insurance premium also lowers your tax bill.
₹25,000
Premium for self, spouse & children
₹50,000
Premium for senior-citizen parents
₹1,00,000
Maximum if you and your parents are 60+
Deductions are available under the old tax regime and are subject to prevailing tax laws. Please consult your tax advisor.
The PolicyBench difference
How we help you, start to finish
Compare honestly
We put plans side by side on what matters: room-rent limits, waiting periods, co-pay and restoration, not just price.
Disclose correctly
We help you declare medical history properly, the #1 reason claims get rejected later.
Claim guidance
Cashless or reimbursement, we explain each step, check your documents and help you respond to queries.
Renew & port
Timely renewal reminders, and help porting to a better plan without losing waiting-period credit.
Claims made simple
How a claim works
Two ways to claim. Either way, our advisors guide you at every step.
Cashless claim
At a network hospital
- 1Choose a network hospital and show your health card at the insurance desk
- 2Hospital sends the pre-authorisation request to the insurer / TPA
- 3Insurer approves; we track the approval and resolve queries
- 4At discharge, the insurer settles the bill directly with the hospital
Reimbursement claim
At any hospital
- 1Pay the hospital and collect all bills, reports and the discharge summary
- 2Share documents with us, we check them for gaps before filing
- 3We file the claim and follow up with the insurer / TPA
- 4Claim amount is transferred to your bank account
Customer stories
Real help when it mattered
Sample stories for the demo, to be replaced with real customer reviews.
“My father's surgery claim was stuck over a room-rent query. The PolicyBench advisor told us exactly which documents and clarifications to send, and it was cleared in two days.”
“Our employer cover felt like enough until they showed us what a big hospital bill looks like. A super top-up added ₹50 lakh of cover for less than a weekend trip.”
“Finding a policy for my 68-year-old mother with diabetes felt impossible. They found two insurers that would cover her and explained every waiting period honestly.”
FAQs
Health Insurance questions, answered
How much health cover do I need?
For a family in a metro, ₹10–25 lakh is a sensible base, ideally combined with a super top-up. Medical inflation in India runs at over 10% a year, so cover that feels big today can feel small in five years.
Is my employer's group cover enough?
Usually not. Group cover ends when you leave the job, is often ₹3–5 lakh, and may not cover parents adequately. A personal policy plus a super top-up gives continuous protection.
What is a waiting period?
The time before certain conditions are covered. Typically 30 days for illnesses, 1–3 years for pre-existing diseases and 1–2 years for specific procedures. Accidents are covered from day one.
Can I get health insurance with diabetes or BP?
Yes. Many insurers cover pre-existing conditions after a waiting period, and some offer special plans with shorter waiting periods. Honest disclosure is essential.
What is room-rent capping and why does it matter?
Some plans limit the room rent you can claim. If you choose a costlier room, the insurer can reduce other charges proportionately. We prefer plans without room-rent limits.
Can I switch my health insurer without losing benefits?
Yes, through portability. Waiting-period credit is carried over to the new insurer. Apply at least 45 days before renewal, we handle the process for you.
What is the difference between a top-up and a super top-up?
A top-up pays when a single claim exceeds the deductible. A super top-up pays when total claims in a year exceed it, which makes it far more useful.
How is PolicyBench paid? Do I pay a fee?
You pay no fee to us. Our advisors are licensed insurance agents, and when you buy a policy through us the insurer pays us a commission set under IRDAI rules. For plans from insurers we are not appointed by, we still explain your options and you buy directly from that insurer.
Find the right health insurance today
Talk to a PolicyBench advisor. Clear comparison, honest advice and no pressure to buy.