• Call us now:


  • Drop us line:


  • Drop us line:


Individual Health Insurance

Health Insurance


Learn More

Claim Process

Individual Health Insurance

Ready to help you


A health insurance cover to protect you in case of any financial crisis arising from an unexpected medical emergency.


  • Hospitalisation Upto sum insured.
  • Optional cover such as Hospital Daily Cash and Convalescence Benefit.
  • Upto 150 Day Care Procedures are covered.
  • Pre existing diseases Covered after a waiting period of 4 years.

Not everyone is able to avail health insurance policies with extensive coverage, so often they go for Health insurance policies. The benefit of taking Health Insurance policies is that you can get financial support if you are suffering from any of the illnesses that are enlisted in the policy. If you are comparing critical illness policies from www.bellaryagent site, you can get your desired policy in comparatively cheap rates. Moreover, here you can get a policy that covers maximum number of critical illnesses, including cancer. You can get cashless claim benefit in network hospitals and quick reimbursements here.

  1. There are more than 20 general insurance agencies in India which offer medical coverage strategies. Every one of these organizations offers more than one kind of medical coverage approaches in India. As it were, there are numerous sorts of medical coverage arrangements accessible in the market – family medical coverage, singular health care coverage, basic ailment protection, bunch medical coverage, and so on.
  2. Under a family medical coverage plan, while a large portion of the general insurance agencies spread just couple and their two ward youngsters; you will likewise discover a few organizations who give total family spread – wherein subordinate guardians are additionally remembered for the approach. This implies in a solitary arrangement you can cover your life partner, two ward kids and your folks. ​
  3. Then again, an individual medical coverage arrangement, as the name recommends, covers just a person. In family medical coverage, same guaranteed sum covers all the relatives, though, the entirety protected in an individual medical coverage will cover just a single individual – the safeguarded.
  4. Be that as it may, one can purchase an individual medical coverage strategy for every relative, with independent whole safeguarded sum allocated to each person. On the off chance that, you have a relative who needs additional wellbeing inclusion and chances that his/her clinical costs may surpass, it is consistently prudent to purchase an individual medical coverage approach for him/her. Doing so will end up being increasingly advantageous from both the point of view – money related and wellbeing.

Benefits of individual health insurance:

There are numerous favorable circumstances of having singular medical coverage arrangement. Investigate a portion of the significant advantages recorded beneath:

Cashless Claim Service:

In an unanticipated occasion of health related crisis, or circumstance where you should be hospitalized, you can profit the cashless advantage gave in your approach. Cashless hospitalization office offered by health care coverage organizations, under an individual wellbeing strategy, permits a person to profit clinical treatment without paying for the equivalent to the emergency clinic. In any case, this office is accessible just in the medical clinics empanelled with the insurance agencies. Under cashless hospitalization, the insurance agency settles guarantee straightforwardly to the emergency clinic/nursing home.

Hospitalization Daily Allowance:

Some insurance agencies pay a particular remittance to the protected for every day he/she spends in the clinic. This, nonetheless, is material simply after the protected has just gone through certain days in emergency clinic. The quantity of days spent in clinic is consistently pre-chosen in the strategy and may shift from one organization to other. In the event that you are the essential acquiring part in your family, such a stipend ends up being advantageous at the hour of crisis.

Tax breaks:

The premium paid on a medical coverage approach is qualified for conclusion under Section 80D of the Income Tax Act. The measure of finding accessible is up to Rs 15,000 for people or Rs 20,000 for senior residents (matured over 65 years). Moreover a measure of Rs 20,000 is additionally accessible for exception towards premium paid for dependant guardians.

Get best individual medical coverage at less premium?

Regularly it has been noticed that the expense of medical coverage premium increments with ascend in age. The purpose for this is basic – the normal conviction that wellbeing dangers increment with the age of a person. In this way, on the off chance that you purchase an individual medical coverage at a more youthful age, you have a favorable position as the odds you will be charged less premium is more.

While, the age factor doesn’t involve decision to reduce your medical coverage premium sum, one thing which you can control is a co-installment. By deciding on co-installment, you will without a doubt decrease the top notch sum you pay towards your medical coverage strategy. Co-installment is a pre-chosen whole of cash, which you (the client) vows to pay from his/her pocketat the hour of guarantee. The higher co-installment sum you decide to pay at the hour of guarantee, the lower will be you premium. Nonetheless, in the process guarantee that your co-installment sum is inside your spending plan and can be effectively borne by you at the hour of a case.

Furthermore, in the event that you have not recorded any case during the residency of your medical coverage strategy, at that point at the hour of recharging, you can benefit limits on premium as No-Claim Bonus. No Claim Bonus (NCB) is the markdown in premium delighted in by you for not having made a case in the past year(s). This markdown can be collected on a yearly premise beginning.

Things to keep an eye out for:

While it is all around acknowledged that I the present quick and unpleasant life, every individual ought to appreciate the advantages of medical coverage, yet it is critical to take note of that before you purchase any such strategy, get your work done appropriately. Try not to purchase any medical coverage strategy without knowing or understanding the complexities of the equivalent. In the event that it is imperative to realize what does your medical coverage strategy covers you for, it is similarly essential to comprehend what it doesn’t covers you for. Simultaneously, before picking your medical coverage strategy, read well through the terms and conditions referenced in its approach wording. Try not to stop for a second to get some information about any uncertainty you have in your brain with connection to your medical coverage inclusion’s and its advantages.

Things like ‘previous condition’ are regularly not canvassed in medical coverage arrangements. The organizations which do cover such conditions do as such following a particular number of long stretches of purchasing the approach. Along these lines, set out to find the real story of the item subtleties.

Search for best statements and advantages accessible in the market. Never pass by what starts things out, rather settle on your own decision, on the grounds that with the simple access to web all over the place, purchasing an individual medical coverage strategy isn’t just simple on pocket yet has likewise gotten advantageous.

How to get the best Health policy?

It is quite easy to choose a Health insurance plan. But it is always better to assess the possible risks and your lifestyle hazards. If you have several pre-existing diseases like diabetes, asthma and so on, it is better to get a Health Insurance plan early. Comparing various policies can give you an insight of how much coverage you can expect from an insurance policy. 

Critical illness policy: Prominent features

  • Did you know you can get cost of treatment for critical illnesses reimbursed?
  • You can also get hospitalization expenses reimbursed
  • In many policies, you even don’t need medical checkup
  • Most of the critical illnesses are covered, even Cancer
  • Quick and easy claim settlements
  • Cashless claim benefit
  • Income tax benefit

Major Health Insurance covered by a standard Health Insurance plan

  • Coronary Artery bypass surgery
  • First Heart Attack
  • Cancer
  • Coronary Artery Disease
  • Coma
  • End Stage Lung Disease
  • Primary Pulmonary Hypertension
  • Heart valve surgery
  • Stroke
  • Surgery to Aorta
  • Aplitic Anemia
  • Kidney Failure
  • Fumigant Hepatitis
  • End Stage Liver Failure
  • Major Organ/Bone Marrow Transplantation
  • Major Burns
  • Bacterial Meningitis
  • Multiple Sclerosis
  • Motor Neuron Disease
  • Terminal Illness

How to claim for critical illness?

Duly submit all the documents related to the treatment and hospitalization. An internal verification is generally conducted to check the genuinely of the documents. As soon as the documents are verified, the claim process starts. In order to get cashless claim benefit, you need to carry all the relevant policy documents along with you at the time of treatment or hospitalization and show them to the concerned hospital/clinic personnels.

Open chat