Rising lifestyle diseases may hold you back from achieving life goals. It is wise to buy health insurance by Policy Master, as it promises to cover medical expenses without restrictions.
Family Health Insurance
Ensure quality health care for your dear ones without disturbing your savings. Our family health insurance plans, ensure all round health protection at an affordable premium.
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Parents Health Insurance
Undoubtedly, health issues are the biggest cause of financial stress in old age. Tackle health distress without any dent on your savings with our health insurance plans for parents.
Senior Citizens Health Insurance
We offer health insurance plans that ensure no entry-age restrictions and offer lifetime renewability, designed specially for benefitting senior citizens.So buy your policy now!
Critical Illness Insurance
Critical illness treatment may lead to a financial crunch. With our critical illness health insurance get lump-sum benefit on diagnosis, which helps you go a long way in dealing with financial distress.
Medisure Health Super Top Up
To ensure you never fall short of health coverage, choose this health insurance and get a higher coverage of 20 lacs at an affordable premium.Sounds like a fair deal for all! So gey tour policy now.
Individual Health Insurance
What's covered in this policy!
Sum Insured rebound
This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.
No Entry Age Restriction
If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.
Lifetime Renewability
Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.
Tax Savings
Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.
Free Renewal Health Check-up
Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.
Mental healthcare
Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.
Recovery benefit
If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)
Organ Donor Expenses
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.
AYUSH Benefits
Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Daycare procedures
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses upto 90 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.
Hospitalization expenses
Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.
Home Health care
If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.
No Medical Test Upto 45 Years
If you are young, hale and hearty then get yourself a health insurance plan without any medical check-ups.
Installment Benefit
Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.
Why this is a must-have policy?
Tax Savings
Insurance is a tax saving instrument. Enjoy upto ^^75,000 Tax savings annually under section 80D with health insurance plans.
Early Decision
Getting insurance early has innumerable benefits right from lower premiums to wider coverage options.
Big Savings
Avail discounts on paying for 2/3 years policy tenure, also buying insurance policy for more than 2 family members on individual sum insured basis can fetch you more discounts.
Beat medical inflation
The cost of medical treatment in India is always on the rise. With adequate medical insurance, you can insure an unfortunate ailment at an early age.
Inadequate insurance
Do you think you are securely covered under one insurance policy against all threats? Be informed that your employee health cover may prove insufficient.
Lifestyle Diseases
Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread.
Family Health Insurance
What's covered in this policy!
No Entry Age Restriction
If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.
Lifetime Renewability
Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.
Tax Savings
Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.
Free Renewal Health Check-up
Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.
Mental healthcare
Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.
Recovery benefit
If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)
Organ Donor Expenses
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.
AYUSH Benefits
Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Daycare procedures
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses upto 90 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.
Hospitalization expenses
Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.
Home Health care
If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.
No Medical Test Upto 45 Years
If you are young, hale and hearty then get yourself a health insurance plan without any medical check-ups.
Installment Benefit
Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.
Sum Insured rebound
This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.
Why this is a must-have policy?
Lifestyle Diseases
Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread.
Inadequate insurance
Do you think you are securely covered under one insurance policy against all threats? Be informed that your employee health cover may prove insufficient.
Beat medical inflation
The cost of medical treatment in India is always on the rise. With adequate medical insurance, you can insure an unfortunate ailment at an early age.
Early Decision
Getting insurance early has innumerable benefits right from lower premiums to wider coverage options.
Integrated Wellness Services
Holistic wellness is the key to an overall healthy lifestyle. Our insurance plans cover wellness services too.
Tax Savings
Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.
Parents Health Insurance
What's covered in this policy!
No Entry Age Restriction
If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.
Lifetime Renewability
Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.
Tax Savings
Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.
Free Renewal Health Check-up
Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.
Mental healthcare
Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.
Recovery benefit
If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)
Organ Donor Expenses
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.
AYUSH Benefits
Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Daycare procedures
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses upto 90 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.
Hospitalization expenses
Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.
Home Health care
If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.
No Medical Test Upto 45 Years
If you are young, hale and hearty then get yourself a health insurance plan without any medical check-ups.
Installment Benefit
Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.
Sum Insured rebound
This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.
Why this is a must-have policy?
Lifestyle Diseases
Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread.
Inadequate insurance
Do you think you are securely covered under one insurance policy against all threats? Be informed that your employee health cover may prove insufficient.
Beat medical inflation
The cost of medical treatment in India is always on the rise. With adequate medical insurance, you can insure an unfortunate ailment at an early age.
Big Savings
Avail discounts on paying for 2/3 years policy tenure, also buying insurance policy for more than 2 family members on individual sum insured basis can fetch you more discounts.
Beyond Diseases
Our health insurance plans come with wellness benefits such as guidance on the right kind of diet, fitness regime, nutrition, health related tips etc.
Tax Savings
Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.
Senior Citizen Health Insurance
What's covered in this policy!
No Entry Age Restriction
If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.
Lifetime Renewability
Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.
Tax Savings
Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.
Free Renewal Health Check-up
Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.
Mental healthcare
Get a free health check-up within 60 days after policy renewal done by Policy Master at the time of renewing your policy with us.
Recovery benefit
If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)
Organ Donor Expenses
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.
AYUSH Benefits
Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Daycare procedures
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses upto 90 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.
Hospitalization expenses
Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.
Home Health care
If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.
No Medical Test Upto 45 Years
If you are young, hale and hearty then get yourself a health insurance plan without any medical check-ups.
Installment Benefit
Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.
Sum Insured rebound
This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.
Why this is a must-have policy?
Lifestyle Diseases
Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread.
Inadequate insurance
Do you think you are securely covered under one insurance policy against all threats? Be informed that your employee health cover may prove insufficient.
Beat medical inflation
The cost of medical treatment in India is always on the rise. With adequate medical insurance, you can insure an unfortunate ailment at an early age.
Big Savings
Avail discounts on paying for 2/3 years policy tenure, also buying insurance policy for more than 2 family members on individual sum insured basis can fetch you more discounts.
Beyond Diseases
Our health insurance plans come with wellness benefits such as guidance on the right kind of diet, fitness regime, nutrition, health related tips etc.
Tax Savings
Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹75,000 with our health plans.
Critical Illness Insurance
Items Included!
Lifetime Renewability
Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.
Ensures quality medical treatment
You won’t have to worry about not being able to afford the medical expenses at quality hospitals.Courtesy the insurance, you can get the best treatment available that will get you up and running in no time.
Free Look Period
We provide a free look period of 15 days starting from the date of receipt of the policy document.
Safeguards your finances
Your treatment will have little or no impact on your hard-earned savings as the insurance will take care of the hospital bills.
No medical Check-ups
No medical check-ups up to the age of 45 years.
Tax saving under section 80D
Taking this insurance will also give you tax benefits and you can save tax up to ^^Rs. 50,000.
Items Excluded!
Adventure sport injuries
Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.
Self-inflicted injuries
You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.
War
War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.
Participation in defense operations
Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.
Venereal or sexually transmitted diseases
We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.
Treatment of obesity or cosmetic surgery
Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.
Medisure Health Super Top Up
Items Included!
In patient Hospitalisation
Hospitalisation is a testing time for all. With my:healthMedisure Super Top Up Insurance, we ensure full coverage upto the sum insured without any sub-limits.
Pre & Post Hospitalization
Pre and post hospitalisation are both critical phases and might be ignored due to the paucity of finances. With this plan, get full uncompromising health care.
Day Care Procedures
With technological advancement, some of the most advanced surgeries are now covered under day care. Ensure the best of services for yourself and your family and get full coverage upto sum insured.
Items Excluded!
Adventure sport injuries
Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.
Self-inflicted injuries
You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.
War
War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.
Participation in defense operations
Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.
Venereal or sexually transmitted diseases
We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.
Treatment of obesity or cosmetic surgery
Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.
The foundation of success in life is good health: that is the substratum fortune; it is also the basis of happiness. Thus, Health Insurance Guarantees for the if in life!
Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over numerous persons. By estimating the overall risk of health care and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement.The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.
Q2. Importance of Health Insurance.
Health is the priority for each individual. However, with growing expenses it becomes difficult for us to survive and keep us physically fit. Therefore, Health insurance plays a pivotal role in providing financial shelter to by keeping the nation physically fit and healthy.
Q3. Benefits of Health Insurance.
Benefits of Health Insurance are as listed below :-
Health Coverage: Health Insurance plans have enhanced offerings to cover a wide spectrum of requirements, like a family health plan offers complete cover to all members of a family under a single umbrella:-
Medical Bills: Coverage against medicinal expenses incurred, including pre and post hospitalization.
Pre-existing Diseases: Coverage for any pre-existing disease is provided to you after a certain waiting period.
Claim Reimbursement: Coverage for expenses incurred for hospitalization due to a medical
Tax Rebate: Annual premium paid for health coverage are subject to tax exemption u/s 80D of ITA, 1961. Tax exemption ranges from Rs. 25,000 to Rs. 60,000.
Other Benefits: As an innovative feature, OPD expenses are now covered under few Insurer plans and don’t require hospitalization for minimum 24 hrs to claim reimbursement. Stand alone OPD plans are also available in the market.
Q4. Important Key terms of Health Insurance.
There are several key terms of health insurance. Here, we are listing some of the important key terms of health insurance plans for policy holders.
Check them out:
Sum Assured :- This is the amount you can expect to receive from the insurer for hospitalization expenses. If bills are more than the sum assured, then you need to bear the amount above the sum assured on your own.
Co-pay:- It is a certain percentage of the claim you need to bear. The insurer will offer to pay the remaining claim amount.
Sub-Limits:- Within the policy, you will find some sub limits i.e. the maximum you can get even if you aren’t exhausting your overall coverage. Room rent is one component that carries its sub-limit, beyond which you won’t be reimbursed by the insurer.
Comprehensive Cover:- A comprehensive plan offers the widest coverage against every illness and thus provide your family with optimal protection.
No claims bonus (NCB) :- NCB is an incentive for not raising a claim in the previous year. The incentive can be in the form of reduced premium or enhanced coverage.
Critical illness :- - A serious disease or a chronic condition like Cancer or Heart Attack. For such diseases, it is better to opt for critical illness cover that provides lump-sum amount upon being diagnosed with the illness.
Q5. Why Taking Health Insurance from Us?
We as an insurance broker are someone who advises people on their insurance needs and negotiates
insurance contracts on their behalf with insurers in return for a fee or commission.
Insurance brokers act as middlemen between firms that want to insure their property and casualty risks and the insurers that underwrite policies.
We are a specialist in insurance and risk management. We act on behalf of our clients and provide advice in the interests of our customers. We help you arrange
and place the cover with the chosen insurer and can often provide advice on how to make the most of your insurance budget.
Q6. What is the difference between an insurance agent and a broker?
Both insurance brokers and insurance agents act as intermediaries between insurance buyers and insurers.
The primary difference between an insurance broker and an insurance agent is who each represents. While a broker represents the insurance buyer, an agent
represents one or more insurance companies.
Q.7   Types of Health Insurance Plans.
With more companies issuing health insurance products to suit various lifestyles and personal requirements,
it can become rather confusing to decide which is the best mediclaim policy and what purpose they serve. To choose the best health insurance plan for your requirements,
it is important to know about different types of health insurance policies, coverage extent, features, and customization options:
Individual Plans: This is the best mediclaim policy for single person or for those people who live by themselves. It covers hospital and surgical expenses to the extent of
the sum assured under the policy. The coverage is subject to the maximum amount specified by the policy.
Family Floater Plan or Mediclaim Policy for Family:This type of health insurance covers the entire family under one single plan for the payment
of a single premium. The policyholder will specify who all are to be covered, including themselves, spouse, children and parents as required. Such policies cover simultaneous medical events of more than one member of the family as well; subject to the claim limit of the maximum sum assured by the insurance company. Such health insurance plans for family tend to be much more economical than buying individual plans for every member separately.
Looking to buy a policy with us?
Process to acquire Health Insurance:
Step 1: Login into the website www.policymaster.com
Step 2:To get insurance quotes, key in all the above mentioned details in the form and click on next.
Step 3:Once done, you will get the insurance quotes from all our associated companies with their premium value and available add ons.
Step 4:Once you have selected the desired insurance quote, please complete the proposal form with all the necessary details.
Step 5: Once done, you will be then redirected to the payment gateway , where, you can make the payment through debit/ credit card/ Net banking.
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