Purchase your Health Insurance plan effortlessly.

Why health insurance matters?

Medical costs can rise suddenly—especially during hospitalisation. Health insurance helps you manage this financial risk and protects savings when you need care.

  • Helps cover hospitalisation expenses as per plan terms
  • Reduces the impact of unexpected medical bills
  • Gives peace of mind for you and your family
Quick guide to buy Health Insurance Policy on PolicyBoss
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Basic Details
Share basic details (members, age, city/pincode)
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Compare Plan
Compare plan options and key features
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Buy securely
Choose a plan and complete purchase securely
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Please Note: Policy issuance is subject to insurer underwriting, policy terms, conditions, exclusions and waiting periods.

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Compare Plans

Compare premiums and key coverage features across insurers to find the right fit.

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Expert Assistance

Get a callback from a PolicyBoss expert to help shortlist plans based on your needs and budget.

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Transparent Guidance

Understand important terms like waiting periods, exclusions, special features / coverage scope and sub-limits before you buy.

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Support When Needed

Help for policy servicing queries and claim-related assistance as per the insurer’s process and policy terms.

What to check in a health insurance plan?

Sum insured (cover amount) suitable for your city and family needs
Waiting periods (including pre-existing conditions)
Room rent limits and co-payment (if any)
Sub-limits for specific treatments (if any)
Cashless hospital network and claim process (as per insurer)
Pre & post hospitalisation cover and day-care procedures (plan-dependent)

Why PolicyBoss

Health insurance is one of those things you only judge when something goes wrong. So the real value is not just “buying a plan” — it’s buying the right cover, with clear terms, and having help when you need it.

What you get here
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Compare without confusion

See plan options across insurers in one place, so you can shortlist faster and avoid guesswork.

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Know what you’re actually buying

We help you understand the parts that change your real out-of-pocket cost — waiting periods, room rent caps, co-pay, and treatment limits — before you pay.

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Right cover for your family

Not everyone needs the same plan. Get help choosing the right cover amount and whether an individual plan or family floater makes more sense for you.

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Support after you buy

Need help with policy queries or the claim process? Our team supports you through the steps as per the insurer’s process, so you’re not left figuring it out alone.

Note: Prospective customers are advised to go through all comparable products/plans in offer before taking an investment/buying decision. For more details on risk factors, terms and conditions, please read sales brochure carefully before purchasing the insurance policy. Insurance is subject to the policy terms, conditions, exclusions, and insurer underwriting.

FAQ's

A health insurance policy typically helps pay eligible hospitalisation-related expenses for covered members, as per the policy terms. What is covered depends on the plan’s inclusions, exclusions, waiting periods, sub-limits, and sum insured mentioned in the policy wording.

Sum insured is the maximum amount the insurer can pay in a policy year, subject to policy terms. You should choose it based on your city’s hospital costs, family size, and how quickly a single hospitalisation could exhaust a low cover. If budget is limited, it is usually better to start with a practical cover and upgrade at renewal than remain under-covered.

An Individual plan provides a separate sum insured for one person. A Family Floater plan provides one shared sum insured for multiple members (for example, self, spouse and children). A floater can be cost-effective for younger families, while individual covers may suit older members or families where one member has higher health risk.

Waiting periods are time windows during which certain conditions or treatments are not covered, as per policy terms. They commonly apply to pre-existing diseases, specific illnesses/treatments, and maternity (if included). Waiting periods matter because they determine when you can claim for certain conditions.

Most plans cover pre-existing diseases after a defined waiting period mentioned in the policy wording. Coverage is subject to full and accurate disclosure at purchase and insurer underwriting. Incorrect or incomplete disclosures can impact claim outcomes later.

Cashless means the insurer settles eligible expenses directly with a network hospital, subject to approvals and policy terms. You may still pay for non-payable items, deductibles, co-payments, or expenses outside coverage. Cashless depends on the hospital being in the insurer’s network and claim approval.

Room rent limits cap how much the policy will pay for your room category. Sub-limits cap payment for specific treatments or categories. Co-payment means you pay a fixed percentage of the claim amount from your pocket. These conditions can increase out-of-pocket costs, so you should check them before buying.

Many plans cover day-care procedures and pre/post-hospitalisation expenses, but the list, time windows, and limits vary by plan. You should verify these details in the plan brochure/policy wording before purchase.

Yes, you can usually port at renewal, and you may get continuity benefits on waiting periods as per portability guidelines and insurer acceptance. Porting is subject to underwriting and approval, so it is not automatic. Start the process well before renewal to avoid a lapse.

Some plans may offer flexible payment options through available payment methods, but availability depends on the plan and payment terms. If this is important, we can confirm available options for the plans you shortlist before you buy. T&Cs apply.