Health Insurance EMI

Health insurance is essential today, but paying a large annual premium in one go can feel stressful. Many people delay buying health insurance simply because they cannot manage the upfront cost. Some reduce their coverage only to fit their budget, which may not be enough during a medical emergency.

Health Insurance EMI solves this problem in a simple and practical way. Instead of paying your entire premium at once, you can pay it monthly, quarterly, or in easy instalments. This makes good health insurance accessible and affordable for more people, without compromising on coverage.

Health Insurance EMI is a payment option that allows you to pay your health insurance premium in instalments instead of paying it as a lump sum. You can convert your premium into monthly, quarterly, or half-yearly payments depending on the insurer’s rules.

The idea is simple. You get full health insurance coverage while paying the premium in smaller amounts spread over the year. It ensures affordability without reducing the quality of your health coverage.

This option is ideal for salaried individuals, freelancers, self-employed professionals, families with dependents, and anyone who wants better coverage without financial burden.

The cost of healthcare continues to rise every year. A single hospitalization can cost anywhere between thousands to several lakhs, depending on the treatment and hospital.

Here is why the EMI option is becoming essential:

Choosing a health insurance plan with EMI options can feel overwhelming if you are unsure about coverage, premium structure, or insurer rules. OneAssure simplifies everything for you.

Here is how we support you:

When you choose the EMI option, you enjoy all the benefits of full health insurance without the pressure of paying a large premium in one go.

Here are the key advantages:

Regardless of EMI mode, your coverage remains the same. Most plans include:

1. Hospitalization expenses
2. Pre and post hospitalization
3. Room rent
4. ICU charges
5. Surgery and treatment expenses
6. Ambulance charges
7. Daycare treatments
8. Organ donor expenses
9. AYUSH treatment
10. Network hospital cashless benefits

Coverage may vary across insurers, which OneAssure explains clearly.

Even though EMI does not change your coverage, every policy has exclusions such as:

1. Cosmetic procedures
2. Dental treatments (unless accidental)
3. Pre-existing diseases waiting period
4. Illnesses during waiting period
5. War or nuclear-related incidents
6. Self-inflicted injuries
7. Alcohol or drug-related incidents

OneAssure ensures you understand exclusions so there are no surprises later.

This option is suitable for anyone who wants good health coverage without paying a large premium upfront. It is especially helpful for:

1. Salaried individuals
2. Young professionals
3. Self-employed people
4. Freelancers
5. Newly married couples
6. Growing families
7. Senior citizens
8. People looking for higher sum insured
9. Individuals upgrading their existing policy

If you have financial commitments like rent, school fees, EMIs, or business expenses, paying health insurance through instalments is a practical solution.

OneAssure offers end-to-end support with your EMI-based health insurance:

1. Free expert consultation
2. Clear explanation of features and benefits
3. Suggesting multiple EMI options
4. Helping you choose the right insurer
5. Proposal filling and documentation support
6. Assistance during medical underwriting (if required)
7. Claim support whenever needed
8. Priority support during cashless admission

Our goal is to make health insurance simple, transparent, and stress-free.