Retail Health Insurance - In India
Health insurance is not a choice anymore — it’s a responsibility every individual owes to themselves and their family. One major medical emergency can shake savings, delay dreams, and create emotional stress. A solid health policy protects your money, ensures quick quality treatment, and keeps your family secure when life becomes unpredictable. In a world of rising medical costs and sudden health risks, being prepared is the smartest and most caring step you can take. And that’s exactly where Insurance Mart stands with you — helping you find the right cover, the best comparison, and complete claim support so you can achieve your health protection goals with confidence and peace of mind.
Standard Benefits Commonly Available in Today’s Health Insurance Plans
🔹 Pre-Hospitalisation
Tests & consultations 30–60 days before admission covered. Your prep is part of your cover.
🔹 In-Patient Hospitalisation (IPD)
Covers 24+ hour hospital stays fully — room, ICU, surgery, medicines. Major bills stay off your shoulders.
🔹 Room rent coverage
in health insurance ensures that patients can choose any hospital room without facing deductions in their claim for exceeding a set limit
🔹 Consumables cover
in health insurance reimburses the cost of non-medical items like gloves, syringes, and bandages used during hospitalization, which are typically excluded from standard policies.
🔹 Day Care Procedures
Advanced treatments under 24 hours covered. Small procedures, zero stress.
🔹 Modern & Advanced Treatments
Robotic, laser, and minimally invasive surgeries included. Top-tech care, fully protected.
🔹 Ambulance Services
Road ambulance covered; some plans allow air ambulance. Help reaches you without delay.
🔹 Organ Donor Expenses
Covers donor’s medical & surgical costs. Life-saving transplants made easier.
🔹 Domiciliary Hospitalisation
Doctor-advised home treatment covered. Home becomes your safe hospital.
🔹 No-Claim Bonus
50–100% annual increase in sum insured for claim-free years. Good health boosts your coverage.
🔹 Restoration Benefit
Sum insured refills automatically when exhausted. Your shield gets reloaded instantly.
🔹 Ultimate Restoration
in health insurance automatically restores your sum insured once it’s exhausted, providing additional coverage for future claims within the same policy year without extra cost.
🔹 Health check-up coverage
health insurance provides free or discounted annual preventive health screenings, helping you detect potential health issues early and maintain overall wellness.
🔹 Daily Cash
health insurance provides a fixed daily allowance to cover incidental expenses like transportation or food during hospitalization, ensuring financial support during your recovery.
🔹 Deductible/Co-payment
health insurance refers to the amount or percentage of medical costs the policyholder must pay out-of-pocket before the insurer covers the remaining expenses.
🔹 Maternity/IVF cover
health insurance provides financial support for expenses related to childbirth, including delivery costs, prenatal and postnatal care, as well as fertility treatments like IVF.
🔹 OPD cover
health insurance provides coverage for outpatient medical expenses, including doctor consultations, diagnostic tests, and medicines, without the need for hospitalization.
🔹 Pre-existing/waiting period
health insurance refers to the time frame before coverage kicks in for pre-existing conditions or certain treatments, typically ranging from 1 to 4 years, depending on the policy.
🔹 Cashless hospital cover
health insurance allows policyholders to receive treatment at network hospitals without paying upfront, as the insurer directly settles the medical bills with the hospital
Tests & consultations 30–60 days before admission covered. Your prep is part of your cover.
🔹 In-Patient Hospitalisation (IPD)
Covers 24+ hour hospital stays fully — room, ICU, surgery, medicines. Major bills stay off your shoulders.
🔹 Room rent coverage
in health insurance ensures that patients can choose any hospital room without facing deductions in their claim for exceeding a set limit
🔹 Consumables cover
in health insurance reimburses the cost of non-medical items like gloves, syringes, and bandages used during hospitalization, which are typically excluded from standard policies.
🔹 Day Care Procedures
Advanced treatments under 24 hours covered. Small procedures, zero stress.
🔹 Modern & Advanced Treatments
Robotic, laser, and minimally invasive surgeries included. Top-tech care, fully protected.
🔹 Ambulance Services
Road ambulance covered; some plans allow air ambulance. Help reaches you without delay.
🔹 Organ Donor Expenses
Covers donor’s medical & surgical costs. Life-saving transplants made easier.
🔹 Domiciliary Hospitalisation
Doctor-advised home treatment covered. Home becomes your safe hospital.
🔹 No-Claim Bonus
50–100% annual increase in sum insured for claim-free years. Good health boosts your coverage.
🔹 Restoration Benefit
Sum insured refills automatically when exhausted. Your shield gets reloaded instantly.
🔹 Ultimate Restoration
in health insurance automatically restores your sum insured once it’s exhausted, providing additional coverage for future claims within the same policy year without extra cost.
🔹 Health check-up coverage
health insurance provides free or discounted annual preventive health screenings, helping you detect potential health issues early and maintain overall wellness.
🔹 Daily Cash
health insurance provides a fixed daily allowance to cover incidental expenses like transportation or food during hospitalization, ensuring financial support during your recovery.
🔹 Deductible/Co-payment
health insurance refers to the amount or percentage of medical costs the policyholder must pay out-of-pocket before the insurer covers the remaining expenses.
🔹 Maternity/IVF cover
health insurance provides financial support for expenses related to childbirth, including delivery costs, prenatal and postnatal care, as well as fertility treatments like IVF.
🔹 OPD cover
health insurance provides coverage for outpatient medical expenses, including doctor consultations, diagnostic tests, and medicines, without the need for hospitalization.
🔹 Pre-existing/waiting period
health insurance refers to the time frame before coverage kicks in for pre-existing conditions or certain treatments, typically ranging from 1 to 4 years, depending on the policy.
🔹 Cashless hospital cover
health insurance allows policyholders to receive treatment at network hospitals without paying upfront, as the insurer directly settles the medical bills with the hospital
🔹 Co-pay Obligation Deductible:
A co-pay deductible requires the insured to cover a portion of the medical expenses, reducing the insurer's financial liability. It helps minimize premiums but shifts some cost responsibility to the policyholder.
🔹 Road or Air Ambulance::
Covers the costs of emergency transport by road or air, ensuring timely medical attention in critical situations. It offers peace of mind by minimizing the financial burden of transport during emergencies.
🔹 Annual Health Checkup::
Many plans offer free or discounted annual health checkups to help detect health issues early. It promotes proactive health management and reduces long-term treatment costs.
🔹 Restore or Unlimited Restoration::
Restoration benefits automatically replenish the sum insured after it’s exhausted due to claims. This ensures continued coverage throughout the policy year, safeguarding against high medical costs.
🔹 Maternity Cover::
Provides financial protection for pregnancy-related medical expenses, including childbirth and infant care. It is essential for expecting families to manage high medical costs during childbirth.
🔹 Optional::
Optional covers allow policyholders to enhance their insurance with additional benefits. These can be tailored to specific needs such as critical illness or dental care.
🔹 NCB Obligation Booster:: The No Claim Bonus (NCB) Booster increases the sum insured after each claim-free year, offering better coverage without additional premiums. It rewards healthy living and responsible usage of insurance.
🔹 Mental Health::
Covers medical expenses related to mental health conditions, including counseling and therapy. It acknowledges the importance of mental well-being and provides necessary support for mental health treatment.
A co-pay deductible requires the insured to cover a portion of the medical expenses, reducing the insurer's financial liability. It helps minimize premiums but shifts some cost responsibility to the policyholder.
🔹 Road or Air Ambulance::
Covers the costs of emergency transport by road or air, ensuring timely medical attention in critical situations. It offers peace of mind by minimizing the financial burden of transport during emergencies.
🔹 Annual Health Checkup::
Many plans offer free or discounted annual health checkups to help detect health issues early. It promotes proactive health management and reduces long-term treatment costs.
🔹 Restore or Unlimited Restoration::
Restoration benefits automatically replenish the sum insured after it’s exhausted due to claims. This ensures continued coverage throughout the policy year, safeguarding against high medical costs.
🔹 Maternity Cover::
Provides financial protection for pregnancy-related medical expenses, including childbirth and infant care. It is essential for expecting families to manage high medical costs during childbirth.
🔹 Optional::
Optional covers allow policyholders to enhance their insurance with additional benefits. These can be tailored to specific needs such as critical illness or dental care.
🔹 NCB Obligation Booster:: The No Claim Bonus (NCB) Booster increases the sum insured after each claim-free year, offering better coverage without additional premiums. It rewards healthy living and responsible usage of insurance.
🔹 Mental Health::
Covers medical expenses related to mental health conditions, including counseling and therapy. It acknowledges the importance of mental well-being and provides necessary support for mental health treatment.
