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What Is Health Insurance?

Health insurance plan is a product offered by insurance companies that covers all costs related to medical expenses of the insured. This can be bought for an individual or for an entire family. The term of the plan is ideally fixed at one year and in some cases one can buy the plan for a term of two to three years as well. With health insurance plan in place, one gets entitled to adequate medical help in case of an emergency or in a pre-planned medical expense, without worrying about the financial costs.

Here is how it works:

  • Health plan takes care of entire hospitalisation expenses subject to maximum sum insured and terms of the policy. All plans also cover pre and post hospitalisation expenses.
  • There is a cashless facility available under which you can avail the best medical care at any of the network hospitals & all the payment related to your treatment will be settled from the insurance company directly. This way the insured can immediately get treatment without having to wait for arranging the funds.
online medical health insurance policy

Eligibility Criteria For Health Insurance Plan!

Health Insurance is an important policy to have as it protects your health and provides financial security against medical emergencies. Whether you go for individual health insurance or family floater plan, there are certain conditions you need to fulfill which make you eligible for health insurance:

Age Criteria:

Health Insurance for Adults Minimum entry age for adult is 18 years and there is no maximum age criteria . In some policies entry age is restricted from 18 to 65 Years (There are particular plans from certain insurers which cater to senior citizens above the age of 65 years)

Health Insurance For Children: Entry Age 91 Days to 24 Years. In some plans maximum entry age for child is 25 years.

Health Insurance Renewal Age For All: Health insurance plans can be renewed for lifetime.

Other Criteria

Further, health insurance companies wants to be sure that you are worthy of being a client and don't come with more than expected risk for them. Hence, they have certain guidelines and eligibility criteria based on which they decide to sell you a suitable health plan or may reject your application. They check you for:

  1. Lifestyle diseases
  2. Smoking/drinking
  3. Pre-existing Diseases

Keep your records up to date and apply for a comprehensive health insurance through!

Key Advantages and Features!

Health insurance plans come with a hoard of advantages and features when it comes to saving your money without compromising on any aspect of your health. brings you the best of the features, enabling you to choose the best health plan for you:

Pre and Post Hospitalisation

Private health care costs are going through the roof and health insurance not only pays for your complete hospitalisation but for pre and post hospitalisation expenses. Expenses which you incurred on diagnostics, pharmacy, consultation before or after your hospitalisation.

Cashless Hospitalisation

All health plans offer cashless hospitalisation feature, where-in you can get admitted to a network hospital and start getting treatment without paying money from your own pocket. The treatment cost will be settled directly between your insurance company & hospital.

Cover for Pre-existing Diseases

The health plans also cover pre-existing diseases even though there is a waiting period before the disease gets cover. It varies from plan to plan.

Save Money

Medical care costs a lot of money, but with a comprehensive health plan in place you can focus on getting the treatment while the majority of the expenses are borne by your insurer.

You Can Get Back Maternity Expenses

You can also buy health policies to cover maternity expenses including delivery charges and post-delivery expenses too, subject to terms of the plan.

OPD Benefits

Various insurers provide you comprehensive health cover by reimbursing your claims for consultation, diagnostics & pharmacy as Out Patient Department (OPD)

No claim bonus

If you don't file for claims in a given policy year, the subsequent year can earn you a no claim bonus (NCB) or cumulative bonus (CB) that results in enhanced sum insured. Depending on the insurance plan and insurer, it can start at 5% increase and go up to a maximum of 150% during subsequent continuous claim-free years.

Critical Illnesses Rider

Health plans come with cover against critical illnesses like cancer, paralysis, kidney disorders, diabetes, heart-related complications and the likes that usually cost a lot of money for treatment and management. The plans pay you the entire sum insured at the time of diagnosis of such diseases itself. You have to pay additionally for this rider.

Additional Riders

One cannot buy health plans that cover all possible risks as no plan offers such coverage. But one can buy the best plan possible and then buy some additional riders to cover some additional risks by paying little bit of extra premium.

Restoration of Benefits

Even if you have utilised the entire sum insured due to hospitalisation, some plans will restore the entire amount within the same policy year at no extra cost. The extra amount can be used for different disease & different individual.

Day Care Procedures

Some medical treatments like chemotherapy or dialysis may not require 24hours or more of hospitalisation. For such day care expenses, insurers have special provisions that help you get treatment without paying from your resources.

No Capping

Even though a lot of plans fix an upper limit of expenses like in case of room rent or doctor visit, certain plans come with no capping!

Online Wellness Programmes

Insurance companies run online wellness programmes to help their customers learn more about their health, engage with experts through video chats and avail various discounts and free deals while dealing with the insurers. Customer can redeem their earned points & can avail the discount in the renewal premium

Senior Citizen Plan

Old age comes with lot of medical complications and that is when you require maximum medical help. Health plans help you to meet all expenses related to health related issues even during your old age.

Get covered for all your medical contingencies. Choose the best suited health plan now at!

Top-up Plans

You can avail of this feature under which you can pay for your hospitalisation expenses after your basic sum insured is exhausted. In simple words Top-up plans or Super Top-up plans help you to enhance your existing sum insured as provided in your current insurance policy by paying a bit of extra premium rather than buying an entirely new policy that can prove to be a complicated and costly process.

Annual Health Check-ups

Many insurers offer free annual health check-ups to woo the buyers. These can be conducted at the empanelled centre and the insurer pays the expenses to the centre directly. If the insured gets it done from some non-empanelled centre, he can get the reimbursement after submitting the necessary bills up to the amount as mentioned in the policy documents.

Get covered for all your medical contingencies. Choose the best suited health plan now at!

Benefits of Health Insurance Plans!

A health insurance plan is an important part of your financial planning which should be in place for safe, secure and healthy life.

Health Plans come with a superfluous host of benefits that cover all your medical needs as well as contingencies:

Here are all benefits (inclusions) you can get from your health insurance plan:

  • Cashless hospitalisation in network hospitals of your insurance provider. Pre and post hospitalisation expenses are also covered.
  • Critical illness cover if you are diagnosed with life threatening diseases like cancer, tumour or kidney failure etc. In such cases the insurance company pays a lump-sum amount at the time of diagnosis, to start the treatment at the earliest.
  • Pre-existing diseases cover if you are already suffering from a severe ailment, at the time of buying the plan. The treatment expenses are compensated by insurance provider.
best medical insurance plans

Apart from the above, the other expenses that can be covered under your health plan, based on type of plan and additional riders, are:

  • Critical illness
  • Personal accident
  • Hospital daily cash

There are some expenses that are never covered in your health insurance plans:

  • Cosmetic Surgeries are not reimbursed.
  • Orthodontic Surgeries (Teeth Beautifying) are not reimbursed
  • HIV/AIDS, STDs, infertility, hormonal replacement therapy, weight management services, treatment of congenital anomaly etc.
  • Non consumable listed by the insurance companies are not covered

Importance of Health Insurance!

On the list of priorities in our life, health insurance must be amongst the top ones. It is very important to have a secure health and ample funds available, in case you encounter uncalled for health contingencies.

Here are the reasons why a health plan is absolutely necessary:

Protection of Health

Health insurance policies not only come to your aid at the time of hospitalisation, but some of them also help you in getting free medical check-ups and timely medical care counselling. Most people are inclined to get counselling when they know they won't have to bear the expenses. With expensive doctor visits and prohibitive costs of medical tests, it is obvious that health plan covering such expenses comes as a saviour!

Productive Utilization of Own Savings

We save money to pay yearly premiums for health insurance policies. We may not need to use the health policy benefits every year and it may look like waste of money in the short-term. But the day you need to be hospitalised, all these indirect savings will come to your aid by saving your life and getting you satisfactory medical treatment.

Protection against Rising Health Expenses

While advancement in science and technology has helped in getting better medical care, the cost of such treatments has also gone through the roof. An adequate sum insured with a health plan can help you to get proper medical care, no matter what your financial status is! The insurer takes care of money matters while you can focus on getting the right treatment.

Source of Credit

Not everyone has enough of a bank balance or sufficient cash at home to face medical emergencies. Health insurance can help you buy time to make hospitalisation payments. Even if you have to somehow pay from your own pocket initially, due to any reason, you can always claim it back.

Financial Support during Emergencies

During emergencies, cashless treatment helps in getting adequate and timely treatment without the dependants of the insured having to scramble for funds.

Benefits With Health Insurance Without Health Insurance
Immediate Health Cover Yes No
Financial Support During Emergencies Yes No
Cashless Hospitalization Yes No
Rising Medical Costs Are Covered Yes No
Available Health Funds For Life Yes No
OPD Benefits Yes No
Annual Health Check-ups Yes No
Pre And Post Hospitalization Cover Yes No

Types of Health Insurance Plans!

There are different kinds of health plans catering to individual health requirements and lifestyle needs.
Following are the various types of health plans for you to select from:

Cardiac Care Plan

These are cardiac special health insurance plans since the cost of treatment has risen drastically in last few years. These plans cover all heart-related ailments and surgeries.

Maternity Policies

These are the plans that take care of maternity related expenses including hospitalisation, upto 2 delivery & MTP expenses and cover the new born baby expenses for a certain period of time.

Critical Illnesses Plan

This plan is to provide health benefits for critical illnesses like cancer, paralysis, stroke, heart-related ailments and the likes. Under these plans, the insured is paid the entire sum insured at the time of diagnosis itself rather than waiting for the treatment to get over.

Family Floater Policies

These polices cater to entire families including spouse and children and in some cases it includes parents & extended family too under a single umbrella policy. These are comparatively cheaper than individual plans

Extended Family Plans

Certain insurers also provide health insurance coverage to siblings and extended family including family of spouse etc. This gives comprehensive health coverage to entire family.

Dengue Care Plan

Dengue comes back as an epidemic every year and the cost of treatment is extremely high as well. With such plans one can manage the disease if it strikes despite all precautions.

Personal Accident Plan

An accident can happen anywhere, anytime. The result could be disability, partial disability and long periods of recovery and rehabilitations. The personal accident plan gives u a lump sum amount & helps to cope up with expenses during this period including hospitalisation expenses and routine household expenses.

Top-up Plans

Top-up plans provide the benefit of higher insurance coverage at only a marginally higher cost. They can be a good supplement to your primary health cover. Top-up plans come with a deductible or threshold limit, you need the claim above the deductible in a single claim to trigger the Sum Insured for plan.

Super Top-up Plans

Super Top-up plans provide the benefit of higher insurance coverage at only a marginally higher cost. These plans come with a deductible or threshold limit, you need the claim above the deductible in a multiple claim to trigger the Sum Insured for plan. This plan is better than the top-up plans.

Cancer Care Plans

Even though cancer is part of critical illnesses plan, a health policy dedicated only for cancer is more beneficial if the insured has a family history of the said disease. This way one can have access to substantial amount of funds for managing and treating the disease.

Senior Citizen Plan

Senior citizens are the most vulnerable lot, who require expansive medical care that results in massive expenses too. Senior citizen plan can help them get adequate care without burning a hole in the pocket.

Worldwide Emergency Cover Plan

For those travelling frequently all over the world for business or leisure purposes can avail such plans to take care of the emergency hospitalisation expenses in a foreign country. Make your health insurance search easy at!

Diabetics Plan

These plans cover the insured for diabetes and its related complications even if the customer is suffering from the disease at the time of taking the policy. Diabetes can be covered from day 1 or after a waiting period depending on the plan. There are only a handful of players in the market providing such coverage so choose carefully.

Individual Policy

As the name states, you can buy it for yourself and covers only your health related expenses.

What Is Cashless Medical Insurance? What Are The Benefits?

All insurance companies these days offer cashless medical insurance, to help us live a stress-free life and put our energies into getting treatment in case of medical emergencies instead of running around for funds.

Let's understand in details how these help us:

A cashless medical insurance is one that helps the insured patient to immediately get admission in a hospital without waiting for the funds to be arranged to start the treatment

cashless medical health insurance plans

Cashless medical policy is not applicable to attendant or visitor charges, ambulance expenses, toiletries, service charge, documentation charges and few other smaller medical expenses defined by different insurance providers in their respective policies.

The major benefits of cashless health insurance plans are:

  • You do not have to arrange for immediate funds in case of emergencies., to pay upfront cash at hospital desk. Just focus on the treatment.
  • You do not have to worry about the paperwork to be submitted to file the claims. TPA appointed by insurance company will take care of everything by coordinating directly with the network hospital.
  • Quick resolution in case of emergencies is provided by the TPA. If you are not able to get the treatment at a network hospital, you can still claim re-imbursements after submitting relevant documents.

Cashless medical insurance is a perfect tool for ordinary consumers seeking adequate medical treatments without having to worry about the money arrangements.

Factors That Affect Health Insurance Premium!

Health Insurance is important and a must have for you and your family.

However, it is also important to consider the premium amount that you would have to pay, to ensure the best suited policy as per your needs.

Here is an insight on the factors that affect health insurance premium, for you to decide on the best.

Additional riders for extra medical cover and additional services come at higher premiums. These riders include critical illness cover, personal accident cover, hospital cash etc. If you check your needs thoroughly and decide that you may not need such add-ons, or choose that you would really need, you can pay a lower premium for health insurance policy.

Keep these factors in mind, and zero to the best health insurance policy with lower premiums, only at!

Why Should You Buy Health Insurance!

If you think you do not need health insurance, think again!

There are a lot of valid reasons why should you buy health insurance plans for you, and your family.

Let’s share with you some of the most important reasons that why should you buy health insurance:

1) To Take Care of Emergencies

In case of medical emergencies like an accident or sudden health disorder, you might find yourself short of cash or funds. For those times, buy health insurance and deal with the emergency in a calm and rational manner.

2) To Assure the Cost of Hospitalisation

Nowadays, private medical care is beyond the means of most of the population and government hospitals don't promise world-class medical care. To meet the rising cost of private hospitals, it is very important to have an insurance cover and to buy health insurance.

3) To Keep Safety against Ever Growing Diseases

In this age of high stress and fast-paced life, diseases are striking harder and faster than before. If you buy health insurance policy, you can sleep well at night with the thought that you have secured yourself and your family to a large extent!

4) To Avail Tax Benefits

Now this is the most common reason for people to buy health insurance plans! Even if it should not be the main reason, it does hold true when it comes to smart investments. Not only one safeguard against contingencies, this investment also helps in saving some hard money for better usage!

5) It Is Easy

Yes, it is not difficult at all to buy health insurance these days with the advent of internet and technology at your service 24X7! All you have to do is find out all possible information about various insurance products online, shortlist the ones that suit your needs and buy! The whole process is simplified for you so that even the technical jargons don't scare you away.

If you want to stop getting worried about the health and well-being of your family, the best idea is to buy health insurance plans! Do it now only at!

Tips To Buy Health Insurance!

Darsh Advisory Services, your most trusted insurance advisor, present some effective tips to buy health insurance!


Analyse your needs in details and decide whether to but a family floater or individual health plans. With elderly in the house, or someone suffering from critical disease, it is always advisable to buy individual policy.


Look out for best health insurance company that offers good customer services, has good liquidity ratio, excellent market standing with exemplary claim settlement records.


Choose the right sum assured to get adequate medical care in times of emergency. Do not under-insure to save premium.


Make appropriate comparisons on various health plans available, to find out the benefits, deductibles, sub-limits, riders etc. to make the best choice.


Keep your focus on larger expenses like limits on room rent, doctor’s visiting charges, ICU charges etc., and avoid to choose basis smaller expenses like ambulance services or daily cash. Bigger expenses covered will make your medical insurance really helpful.


Check the network hospitals of the insurer, that they are well equipped, reputed and near to you, in case you need to go for a cashless treatment or otherwise.


Go through the terms and conditions related to pre-existing diseases, waiting period etc., carefully before finalising, as the claims are settled strictly based on the terms, especially in the finger print.

The best health policy is one that provides you with the maximum benefits at lowest possible premiums. Compare at and reach that best policy, NOW!

Why Should You Compare Health Insurance?

There are multiple health insurance companies and each one has different health plans to offer.

Primarily, Health Insurance is entirely based on individual needs and priorities. If you don’t compare health insurance plans and buy the first policy you come across, then you might lose out on some important benefits or lower premiums.

Here at Darsh Advisory Services, we are committed to give you right and best information. Therefore, we bring to you some of the advantages of comparing health plans to enjoy maximum benefits out of them:

1) Coverage Amount/Sum Insured (SI)

Different health plans offer you different sum insured. This depends not only on your age, health conditions, lifestyle etc., but also on the insurer’s pricing strategies and risk taking abilities. More the sum insured you’re offered, less you pay from your own pocket in times of crisis. Comparing health plans would ensure that you get the best coverage amount given your background and may even cost less than your expectations due to competitive pricing by various insurance companies.

2) Co Pay

This is a feature in all major health plans under which the insured agrees to pay a fraction of the total medical cost from own pocket and the balance amount will be paid out of the insurance policy. For example, if the policy states a co-pay of 10%, then the insured will pay 10% of the total cost of hospitalisation and balance 90% will be paid out of his insured sum. Each plan has different terms and conditions regarding co-pay so comparing them make it beneficial for the insured to get the best deal.

3) Network Hospitals

Availing medical care in network hospitals associated with health insurers helps you to get cashless hospitalisation as well as help in managing the complete paperwork. This is apart from getting adequate and economical medical care. Selecting an insurer with the maximum number of network hospitals and in your vicinity should be the goal of customers.

4) Pre-existing Cover

The health insurance companies are very particular about which diseases to cover. When it comes to pre-existing disease, there is a waiting period so as to lower their exposure to risks. However, this waiting period varies for every insurance plan. Comparing helps to choose the plan with lowest waiting period or no waiting period at all!

5) Capping

A lot of health plans will put a limit to expenses you can claim for during hospitalisation. These include upper limits on room rent, doctor visits and other overhead charges. There are also certain plans that have no capping at all. To find out the best amongst many, compare all health plans!

6) Sub-limits

These are the limits set on the treatment of certain ailments. For example, you undergo a kidney surgery and spend Rs. 1lakh for it. But if your insurance policy has set a sub-limit of Rs. 40,000/- on kidney surgery, then you can only avail that amount as claim and will have to bear the remaining cost out of your own pocket. Better to compare different plans and select the one that has no sub-limits or lowest slabs.

Compare all the available health insurance plans floating in the market, only at

How Easy Policy Helps You To Choose The Best Health Insurance Plan?

When it comes to choosing a health insurance plan, it becomes a challenge for a lot of people due to the technicalities involved.

Also, availability of a lot of options is overwhelming, especially when one is not well-versed with the terms and functioning of the insurance process.

To make things simpler and easier for you, Darsh Advisory Services is at your service to guide you, assist you and help you to make the right decision and buy the best health plan for you and family.

Here's how Darsh Advisory Services works to make buying health plan, a cakewalk for you:

1) We Provide Easy Process

We have ensured to keep this site as simple as possible. This helps you to search different health products in an easy manner and have access to every information about the insurance products in a user-friendly way.

2) Fast Access to Information

You can have access to information in real quick time so that you can take quick decisions. Moreover, the information is up to date and absolutely accurate that helps you in taking the right decisions.

3) Guidance through Claim Process

Handling claims is the responsibility of the insurance company, but Darsh Advisory Services guides you through every step of the process. We will assist you throughout right from filling of the forms till you receive your claims.

4) Paperwork Is Extremely Easy

One of the most cumbersome processes while buying insurance is considered to be filling up of the forms. Darsh Advisory Services simplifies it for you by providing easy-to-understand forms that can be filled without any expert guidance.

5) Our Advanced Feature Filters Are a Great Help

Darsh Advisory Services will help you to find health plan that meet your specific requirements. In case you want plans with certain features, our advanced feature filters can shortlist them for you in no time so that you only buy what you need.

When you are at, you are at home!

Health Insurance Renewal Process!

Health insurance renewal is very important. You insurance company will send you a reminder prior to the date of expiry, but you also must be aware of the date, when the renewal is needed, so that it can be done in time.

A timely renewal of health insurance policy will ensure that you do not lose the benefits such as waiting periods and NCBs (No Claim Bonus). If you fail to renew the policy in time, your policy will lapse and you will lose any continuation benefits.

  • If you make any claim during the period between policy expiry and renewal, it will not be entertained. You must pay the renewal premium within the grace period.
  • If you want to go for health insurance portability with a new insurance provider, you are eligible for continuing benefits of the previous policy and your new insurance provider must take care of that.

Check your health insurance policy expiry date and renew today before you lose any benefits! Do it at!

Health Insurance Claim Process

There are different claim processes based on the type of claim you are making with your health insurance provider.

Cashless facility: In this facility company settles the medical treatment cost of the insured in the network hospitals of the company. Insured is provided with a cashless card at the time of policy purchase which the insured need to extend to the network hospitals along with valid ID proof at the time claims are being made .Approval for cashless is provided by the Insurer after the pre authorization form is submitted to the insured in electronic form.

Reimbursement: In such case, Customers pay the bills for hospitalization on their own and later, get reimbursed from the insurance company after suitable documents are submitted to the company.

  1. At the time of hospitalisation, send the information to your insurer.
  2. Once the treatment is done, fill the claim form available at insurer's website.
  3. Attach all relevant and required documents such as medical reports, hospital bills, discharge summary and any other supporting documents in original, with the claim form and submit to insurer.
  4. Keep all the health and medical documents, in case they are required by the insurer.
  5. Follow up and coordinate with the company or TPA to make sure all the documentation is complete and claim is processed.
  6. If everything remains in order, your health insurance claim should be approved in 30-40 days

Remember, if your documentation is in order and you have taken care of all the requirements, no insurance company can deny your health insurance claims.

What is Health Insurance Portability? What Are the Benefits?

What is Health Insurance Portability?

To get better policy benefits along with the gained benefit from the existing health insurance policy ,you have the option of portability through which you can change your health insurance policy from one insurance company to another .When portability is done you don’t have to avail the fresh waiting periods related to named ailments and pre-existing diseases for the period you have already spent in your previous health insurance policy.

How do you apply for medical insurance portability?

In case you do not feel sufficed by the services of your existing insurance provider, or the list of network hospitals is not up to your expectations, or the sum assured doesn't compensate your medical expenses, you can apply for portability by submitting a written request to new insurance provider. This must be done at least 45 days prior to the expiry of existing medical plan. In case all the portability conditions are met, you get your medical insurance ported within 15 days.

What are the benefits of Medical Insurance Portability?

The major benefits that you can enjoy by shifting your medical policy are:

  • More competitive or lower premiums for the same sum assured.
  • Better services on offer than the previous insurance provider.
  • Smoother claim settlement process. Portability can help you tie up with an insurer with good claim settlement ratios.
  • Option to buy an upgraded health plan which was not available initially when you bought the policy.
  • Existing health insurance benefits like bonuses, waiting periods for pre-existing diseases etc. are carried forward to the new plan with new insurer.
  • The stipulated waiting period of 30 days from the commencement of policy to enjoy the benefits of health plans gets waived off in a ported policy.
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