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What is Health Insurance
Health insurance is a type of insurance that provides coverage for medical expenses. It is a way to protect yourself from unexpected medical costs. The policy pays out a lump sum amount to you if you are diagnosed with a covered illness or injury. The coverage can be customized to meet your specific needs and budget.
Why You Need a Health Insurance?
Given the unpredictable nature of health issues, medical insurance is a vital investment. It safeguards financial stability and health security. Here's how:
Access to quality healthcare
Network Hospitals
Access to a network of accredited hospitals that ensure quality healthcare under health cover plans.
Preventive Care
Coverage of primary health care services enables early detection and management of health issues.
Regulatory Standards
IRDAI enforces fair and transparent health insurance policies.
Telemedicine
Convenient remote access to healthcare via digital services.
Coverage for Pre-existing Conditions
Most private medical insurance covers pre-existing conditions after a waiting period.
Financial protection
Comprehensive Coverage
Best health coverage includes payment for hospitalization, surgeries and outpatient services.
Tax Deduction
Premiums paid for health insurance qualify for tax deductions under Section 80D.
Cashless Transactions
Treatment without upfront payment eliminates financial barriers to essential services at a critical time.
High Sum Insured Options
High sum insured limit enables coverage of major medical expenses.
Protection Against Inflation
Protection against the financial impact of inflation on medical expenses.
Benefits of Getting a Health Insurance Online
Online purchase of the policy makes the entire process simple and instant.
Paperless Transactions
Online purchases require less paperwork which is convenient and eco-friendly.
Comparative Analysis
Detailed plan comparison from top companies in one place.
Instant Quotes
Get immediate quotes based on your requirements and preferences.
Easy Policy Management
Simplified processes for policy renewals or upgrades available online.
Live Support
Get instant assistance. Ask questions and resolve doubts immediately.
Health Insurance Checklist
Buy Health Insurance with Oneassure in 4 Simple Steps
Adequate sum insured
Sum insured should reflect the average cost of medical treatments you might require.
Waiting periods
Coverage for pre-existing diseases can only be obtained once the waiting period has elapsed.
Affordable premiums
Premiums should be manageable to avoid financial strain but should not compromise the quality of coverage.
Copay and deductibles
Out-of-pocket expenses can be little to none by dialing down copay and deductibles.
Exclusions & limitations
Understand what is not covered in the policy to avoid unwelcome surprises during claim.
Additional benefits
Riders and add-ons can enhance your coverage to address specific requirements.
How to choose a Health Insurance Plan in India.
Online purchase of the policy makes the entire process simple and instant.
Personalised Guidance
Compare between top companies and between top policies
Find the right Insurance Company
Look for companies with a high claim settlement ratio and extensive network of hospitals and partners
Customise your Health Insurance
Customise your insurance based on your finance and the right coverage for you.
How to buy a Health Insurance from OneAssure ?
Buy Health Insurance with Oneassure in 4 Simple Steps
Connect with Us
Call us on - (+91 6364334343) to book a free consultation.
Receive Unbiased Recommendations
Get 100% unbiased recommendations based on your needs and select the best health cover that suits your needs.
Complete KYC Details
Provide us the required KYC details for further processing. Additional reports may be required for any pre-existing conditions.
Make Payment and Receive Your Policy
Once your application is processed, you will receive a secure payment link via your phone or email. Your policy will be issued instantly upon successful transaction.
Top Health Insurance Plans
For young adults
When looking for health insurance plans for young, healthy individuals, the focus often shifts to affordability, flexibility, and coverage for unexpected health needs.
| Desirable features | Top plans |
| Affordable premiums | Care health insurance - Care supreme ICICI Lombard health insurance - Elevate |
| Comprehensive coverage | Niva bupa health insurance - Aspire Titanium plus HDFC Ergo health insurance - Optima Secure |
| Flexibility in sum insured | ICICI Lombard health insurance - ICICI Elevate |
| Lifetime renewability to lock in the premium | Niva Bupa Reassure 2.0 |
| Preventive healthcare coverage | Care health insurance - Care supreme ICICI Lombard health insurance - ICICI Elevate HDFC Ergo health insurance - Optima Secure |
For family
When selecting a family health insurance plan in India, the most important thing is comprehensive coverage for all members of the family.
| Desirable features | Top plans |
| Family floater option to consolidate coverage | Care health insurance - Care supreme ICICI Lombard - Elevate |
| Maternity benefits and newborn coverage | ICICI Lombard - Elevate TATA health insurance Star Health insurance - Health Assure |
| Flexibility in sum insured | Niva Bupa Reassure 2.0 HDFC Ergo - My optima secure |
For seniors
Best health coverage insurance for seniors should cater to the increased health concerns of older individuals.
| Desirable features | Top plans |
| High sum insured | ICICI Lombard health insurance - ICICI Elevate Care health insurance - Care supreme |
| PED Specific Plans | ICICI Lombard health insurance - ICICI Elevate Care health insurance - Care supreme Aditya Birla Health Insurance |
| Chronic disease management | Care health insurance - Care supreme Aditya Birla Health Insurance Care health insurance - Care Freedom |
Documents Required to Buy Term Insurance Plan in India
Buy Term Insurance with Oneassure in 4 Simple Steps
Identity proof
(Aadhar card, passport, voter ID, PAN)
Address proof
(Driver's license, Utility bill, Rental agreement)
Age proof
(Birth certificate, passport, school leaving certificate)
Medical records
(May be required for age and health verification)
Recent passport-sized photographs.
Recent passport-sized photographs.
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