The cost of treating health issues has skyrocketed. Health insurance plans are also in demand. Thus, several types of policies help you save money. To help you pick a health insurance plan, we’ve listed all 11 types and described all essential aspects.##

Indian health insurance types

This plan covers medical and illness costs for the insured. These plans cover hospitalisation, surgery, pre- and post-medication costs.*

Family health insurance, or family floater plan, covers your entire family. Family health insurance covers spouses, children, and elders. One family member pays the premium, insuring the whole family.

Critical illness insurance provides a lump sum for life-threatening diseases. The selected health problems are included in the insurance. You can find this type of insurance on the Bajaj health insurance app.

The policy does not require hospitalisation for claims.

• Organ transplants
• Cancer
• Aorta grafting
• Renal failure
• Stroke
• Multiple sclerosis
• Paralysis
• First heart attack
• CABG surgery
• Primary PAH

Senior citizen health insurance covers 65-year-olds. It is the right insurance policy for parents and grandparents. The age limit is 70. It is a good health insurance for parents who are getting old.

Top-up health insurance

If you need more coverage, you can buy top-up health insurance. Individual super top-up plans are also available. It boosts the sum insured over the standard policy. 

Hospital daily cash

This plan can help you avoid hospital bills. The insured receives a daily cash benefit of Rs. 500 to 10,000, depending on the coverage amount chosen.

You can find this insurance on a health insurance app. 

Personal accident insurance

This policy supports the victim or family with a lump sum amount. The insurer will also cover loan obligations if the insured has an accident. 

Mediclaim

The Mediclaim Policy covers hospitalisation costs for illness and accident. It covers in-patient surgery, doctor, nursing, oxygen, and anaesthesia costs. * 

Group health insurance

Many medium and large companies offer this insurance to employees. This policy costs less than the individual policy. It would help if you looked into this plan’s health insurance benefits. 

Disease-specific (M-Care, Corona Kavach, etc.)

Today, many diseases, including Covid-19, are common. Thus, treating such infections can be costly. Therefore, you should purchase a health insurance policy covering severe health issues.

Corona Kavach gives the insured 50,000 to 500,000 rupees.

M-Care Health Insurance covers mosquito-borne diseases.

ULIPs

These plans invest part of your premium and use the rest for health coverage. Thus, this plan offers protection and returns. 

Indemnity & Fixed Benefit Plans:

Indemnity

Indemnity plans cover hospital expenses up to a certain amount. The policyholder can make multiple claims up to the limit.

Indemnity policies include:

• Individual healthcare
• Family floater
• Group health insurance
• ULIPs 

Fixed benefits

Fixed Benefits pay for specific health issues caused by accidents or illness. These types of insurance are also available on the Bajaj health insurance app.

Below are popular fixed-benefit policies for your consideration:

• Emergency preparedness
• Critical illness plan
• Hospital cash plan

Get insured anytime, anywhere! Check out Bajaj Allianz General Insurance website to learn more and download the app now.

* Standard T&C Apply

## All savings are provided by the insurer per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.