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Types of Health Insurance

Health insurance provides financial protection against medical bills, saving you from financial strain during health crises. Health insurance policies cater to varying needs and cover individuals and families. Understand the best health insurance and types to select the most appropriate plan for your long-term security.

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Nidhi Goyal
Written by:
Nidhi Goyal
Nidhi Goyal
Nidhi Goyal

Content Manager- Care Health Insurance

Nidhi comes with versatility in writing about education, health, motivation, and many more industries. Her 6+ years of experience make her competent at educating readers about insurance, and covering their health and travel insurance related queries. From the core, she lives a spiritual life, spreading peace all around. Moreover, apart from writing web and print content, writing poems recreates her creativity and passion for writing.

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Akhil Pillai
Akhil Pillai
Akhil Pillai

Senior Content Manager Care Health Insurance

Akhil is an experienced Senior Content Manager with Care Health Insurance. With extensive experience in the BFSI sector, Akhil can adapt to any niche with his expertise in simplifying complex information. He believes in focusing on areas for growth rather than dwelling on his achievements. While not busy working, Akhil enjoys watching his favorite football team, Arsenal, and hopes to one day meet his idol, Michael Jordan.

Importance of Choosing the Right Health Insurance Policy

Suhas was discussing with his father about his friend, whose mother was recently diagnosed with kidney failure. His father asked whether his friend had health insurance. Suhas told him that he only has individual health insurance. So, he could not claim his mother's treatment and had to bear the cost of the treatment from his pocket. Before choosing the best type of health coverage, he didn’t comprehend the potential needs of his family, which resulted in financial constraints during the emergency. Therefore, it is important to consider all factors before choosing a health insurance policy. Get to know different types of health plans and make informed decisions.

Select From the Best Health Insurance

Care Health Insurance is among India's top health insurance providers, ensuring you and your family get excellent healthcare coverage at a reasonable cost. Here are some of the best health insurance plans in India from Care Health Insurance.

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Look for best health plan that suits your need!
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Care Advantage

Health insurance for domestic and global coverage up to 6 crore

  • Global Health Cover 
  • 10% No Claim Bonus every year, max. Up to 50%
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Individual Health Insurance

A Safety Net that Protects You Against Medical Emergencies

  • Plan starting from 25 lakhs and going up to 6 Crores
  • An add-on offering unlimited e-consultations
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Care Freedom

Health Insurance for listed pre-existing diseases

  • Dialysis Cover 
  • Day Care Treatments
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Health Insurance for Senior Citizens

Your Parents have always care for you, Now its your TURN

  • No Pre-policy medical check-up
  • Annual Health check-up for all insured persons
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Types of Health Insurance Policy

Care Health Insurance offers several types of health coverage based on our customers' healthcare needs.

Type of Health Insurance Who Should Buy It?
Individual Health Insurance Individual
Family Floater Health Insurance Whole family
Maternity Insurance Expecting mothers
Senior Citizens Health Insurance Citizens aged 60 years and above
Health Insurance for Diabetes Diabetes and lifestyle diseases
Cancer Insurance Individuals who have a family history of Cancer
Critical Illness Insurance A family history of a critical illness
Super and Top-Up Insurance Exhaustion of SI of existing policy
Heart Mediclaim Major heart ailments and surgeries
Operation Insurance Long and expensive treatment
Corona Kavach Policy Specific protection from COVID-19 and Senior citizens

Individual Health Insurance

This type of health coverage provides copious healthcare security for individuals, especially senior citizens or people with medical conditions. Premium and Sum Insured depend on age and medical condition. It provides extensive coverage, lower premiums, and several benefits. SI can range up to ₹1 cr as per the plan.

Features

  • Cashless hospitalisation
  • Cost-effective plans
  • Tax benefits
  • Unlimited Recharge of SI
  • Customisable health benefits

Family Floater Health Insurance

This type of medical insurance policy safeguards the health of your entire family. A family health insurance plan covers two adults and two children. You can add multiple nominees to this plan. The policy is for two adults and two children. You can cover parents, spouse, dependent children, and elders by paying a standard premium. The premium amount depends mainly on the age of the oldest member getting insured, and all share the sum insured. In family floater plans, the premium is comparatively lower than individual health insurance plans. It covers the medical expenses for hospitalisation and treatment during an emergency or planned admission.

Features

  • Flexibility to add new members
  • Day care treatment
  • Pre and post-hospitalisation
  • Up to 100% Cumulative Bonus
  • AYUSH treatment
  • Domiciliary hospitalisation
  • Ambulance cover

Corona Kavach Policy

Corona Kavach Policy is a type of health insurance in india that secures the financial costs of COVID-19. The plan includes home care treatment expenses up to SI for a maximum of 14 days per incident. It covers AYUSH treatment, hospitalisation and medication expenses for COVID-19 treatment. Refer to T&C for more details.

Features

  • Hospital/Nursing home stay, surgeon, consultant fees
  • Blood, anaesthesia, oxygen, surgical appliances, OT, ventilator charges
  • Medicines, imaging, diagnostics, PPE kit, and related items
  • ICU/ICCU charges
  • Ambulance expenses as per policy terms

Critical Illness Insurance

Critical illness insurance provides financial assistance for hospitalisation due to critical illnesses such as cancer, coma, stroke, heart ailments, primary pulmonary arterial hypertension, sclerosis, and organ failure. Individuals with a medical history or pre-existing diseases or seeking financial security against possible health emergencies can buy a critical illness cover. This type of insurance benefits individuals with high-risk occupations or someone with a family history of an illness.

Features

  • Quicker claim settlement
  • Comprehensive coverage
  • Cashless claim facility
  • Chemotherapy and Radiotherapy
  • Dialysis coverage
  • No Claim Bonus
  • IPD and OPD expenses

Maternity Insurance

This type of health insurance policy covers your pregnancy-related expenses and childbirth expenditures, pre-and postnatal care, vaccination, nursing expenses, doctor consultations, and hospitalisation charges for delivery. Maternity insurance ensures the best medical facilities for the mother and her newborn.

Features:

  • Coverage of newborn babies and birth defects
  • Congenital diseases cover
  • Free look period
  • Direct claim settlement

Top-Up and Super Top-UP Insurance

Top-up and super top-up insurance plans serve as backup plan. They act like a Stepney to your existing health cover once you exhaust the sum insured limit. Therefore, they cover the cost after you reach a certain threshold of expenses. The top-up plan covers the expenditure that arises from a single hospitalisation. Simultaneously, the super-top-up plan considers the cumulative hospital expenses and covers multiple claims in a policy year. The plans offer affordable additional coverage that helps you cope with extra expenditures due to unforeseen medical emergencies.

Features

  • Medical treatment worldwide
  • Flexible options
  • No Sub-limit
  • One policy for the entire family
  • Discount with multi-year policies
  • Cashless hospitalisation
  • Direct insurance claim filing
  • Free look period

Health Insurance for Senior Citizens

This type of health insurance is specially designed for people who have reached 60 years of age. It offers financial assistance to senior citizens living retired with no fixed income. Under a senior citizen health insurance plan, they can also avail of cashless hospitalisation, domiciliary hospitalisation, daycare treatment, AYUSH treatment, coronavirus treatment coverage, etc. It is the best way to give your old parents a healthy and peaceful life after retirement.

Features

  • Coverage of coronavirus treatment
  • IPD and Daycare coverage
  • Pre- and Post-Hospitalisation
  • Annual health check-up
  • AYUSH coverage

Mediclaim Insurance

It provides extensive coverage during medical emergencies. You can opt for separate mediclaim to cover your family members as well. We settle the medical expenses directly to the hospital, or you can file for reimbursement. From pre and post hospitalisation expenses to medication, chemotherapies, and radiotherapies, we cover most of them under the mediclaim policy. You have to submit all the required documents to the claim management team to get a hassle-free and timely claim settlement. At Care Health Insurance, we offer the following:

Features

  • Indemnity-based plans
  • Second opinion
  • Lifelong renewability
  • Dialysis and chemotherapy coverage
  • Organ donor coverage
  • OPD expenses
  • Global coverage

Heart Insurance for Diabetes

This type of medical insurance is specifically for protection against lifestyle diseases. At Care Health Insurance, we offer Care Freedom, which shields you from the medical needs of hypertension and diabetic patients. All the standard medical expenses for treating pre-existing diseases are covered.

Features

  • No pre-policy medical check-ups
  • Consumable Allowance
  • Minimum waiting period
  • Discounts on premium
  • Cashless healthcare
  • Recharge of SI
  • 15 days Free Look Period

Heart Mediclaim

Care Health Insurance provides financial protection against 16 major heart surgeries and ailments. Hospitalisation and treatment expenses related to heart illness are covered. Our Heart Mediclaim has been explicitly designed to cover heart ailments without financial worries.

Features

  • Cashless & Reimbursement Facility
  • Annual Cardiac health check-up
  • Lifelong renewability
  • International second opinion
  • Organ donor cover
  • Tax Benefits Under Section 80 D

Operation Insurance

Operation insurance covers medical and critical surgeries and helps lower the financial burden. Surgeries are getting expensive with time, so having operation insurance provides a financial safety net. People requiring lengthy and costly treatment might choose operation insurance.

Surgeries Covered

  • Cardiomyopathy
  • Angioplasty
  • Balloon Valvotomy/Valvuloplasty
  • Pericardectomy
  • Surgery to Place Ventricular Assist Devices or Total Artificial Hearts
  • Surgery of Aorta
  • Implantation of Pacemaker of Heart
  • Heart Valve Replacement/repair
  • Implantable Cardioverter Defibrillato

Features

  • Defined surgical procedures
  • Pre and Post-hospitalisation expenses
  • IPD and Daycare treatment
  • Organ donor cover
  • Second opinion
  • Annual health check-up
  • No Claim Bonus

Healthcare is improving, but costs are rising. Choose the right type of health coverage and protect yourself and your loved ones from financial strain during medical emergencies. Explore our comprehensive medical insurance options to find the best fit for your needs.

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FAQs on Types of Health Insurance

Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

**Number of Claims Settled as of 31st March 2024

^10% discount is applicable for a 3-year policy

^^Number of Cashless Healthcare Providers as of Feb 2025

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