1. Simple Processes
At Global Insurance, the process of selecting a health insurance plan and filing claims is quick, easy, and hassle-free. You won't have to worry about complications even when filing claims.

2. No Age or Zone-Based Copayment
Our health insurance plans do not require age- or zone-based copayment. This means you won't have to bear any out-of-pocket expenses when filing claims with your health insurance plan

3. No Room Rent Restrictions
We understand that everyone has different preferences, which is why we don't impose restrictions on room rent. You can choose the hospital room that best suits your needs.

4. SI Wallet Benefit
If you exhaust your Sum Insured during the policy period, we will refill it for you.

5. Access to Any Hospital
Our network includes over 10,000 hospitals across India, giving you the flexibility to choose any hospital for cashless procedures or reimbursement.

Health Insurance for the Young
If you're young and healthy, you may think health insurance is unnecessary. But getting health insurance at a young age has benefits like lower premiums, shorter waiting periods, and access to OPD coverage for minor ailments and accidents.

Health Insurance for Families
To protect your family and yourself, you can choose from family floater plans or individual health insurance for each family member. Our plans offer unique features like No co-payment, zone-based discounts, and the good health discount.

Health Insurance for Senior Citizen
Our senior health insurance plans cater to the needs of the senior population with benefits like AYUSH treatments, home hospitalization, no room rent cap, and hospitalization for coronavirus.

4. SI Wallet Benefit
If you exhaust your Sum Insured during the policy period, we will refill it for you.

5. Access to Any Hospital
Our network includes over 10,000 hospitals across India, giving you the flexibility to choose any hospital for cashless procedures or reimbursement.

With medical inflation on the rise, treatments are becoming increasingly expensive. If you were to get hospitalized for a critical illness or a lifestyle disease, you could end up losing all your savings. Buying a health insurance policy is the only way to afford quality medical treatment during a health emergency. Check out the top reasons to purchase a health insurance plan:

Beat Medical Inflation:
A health insurance policy can help you pay your medical bills, including pre and post-hospitalization expenses, not just now, but in the future as well, despite the rising medical costs.

Afford Quality Medical Treatment:
It helps you afford the best quality medical treatment and care so that you can focus solely on getting cured.

Fight Lifestyle Diseases:
It allows you to pay for the long-term treatment of lifestyle diseases like cancer, heart attack, etc. that are on the rise due to changing lifestyles.

Protect Your Savings:
It helps you protect your hard-earned savings by covering your medical expenses, enabling you to avail the required treatment without any financial worries.

Access Cashless Hospitalization Benefit
You can access cashless hospitalization benefit at any of your insurance provider's network hospitals by submitting a cashless claim.

Enjoy Tax Advantages
You can save on taxes for the health insurance premiums you have paid under Section 80D of the Income Tax Act, which can help with financial planning.

Attain Peace of Mind
You can receive medical treatment with peace of mind, knowing that you won't have to worry about the high hospital bills.

Typically, health insurance policies offered by most companies in India cover the following medical expenses:

In-patient hospitalization expenses:
These cover the costs of hospitalization for treatment of an illness or injury, provided it lasts for more than 24 hours.

Pre-existing illnesses or diseases:
After the waiting period is completed, policyholders can claim expenses incurred on the treatment of any pre-existing medical condition.

Pre and post hospitalization expenses:
These cover the costs of medical tests and check-ups that are necessary before and after hospitalization, as well as the cost of medications and preventive health check-ups.

Ambulance charges:
Most insurance plans provide coverage for emergency ambulance charges, although the amount covered may vary.

Maternity cover:
Medical expenses related to pregnancy and delivery, as well as newborn baby expenses, are covered.

Preventive health check-ups:
Some plans offer regular health check-ups.

Day-care procedures:
These cover outpatient treatments that do not require hospitalization for more than 24 hours.

Home treatment cover:
This covers the costs of medical treatment received at home on the recommendation of a medical practitioner.

AYUSH benefit:
Insurance plans reimburse the costs of Ayurveda, Unani, Siddha, or Homeopathy treatment up to a specified limit.

Mental healthcare cover
All healthcare plans in India are required to cover mental illnesses as mandated by the Mental Healthcare Act of 2017. The Insurance Regulatory and Development Authority of India (IRDAI) has instructed all insurers to modify their health policies by 31st October 2022 to include coverage for the treatment of mental health conditions such as acute depression, bipolar affective disorder, schizophrenia, and others.

Health insurance plans offer a range of benefits depending on the chosen plan. Here are the main benefits of health insurance plans in India:

Scope of Coverage:
Check the benefits offered, such as hospitalization expenses, daily cash benefit, COVID hospitalization cover, critical illness cover, and maternity cover, to ensure the policy meets your needs.

Adequate Sum Insured:
It is recommended to choose a health insurance plan with a minimum sum insured of Rs 10 lakh that can go up to Rs 1 crore, especially for family floater policy or senior citizen insurance.

Policy Type:
Select the policy type that best suits your requirements, such as individual health insurance, senior citizen health insurance, family floater or critical illness plans, and Top up and Super Top up health insurance.

Waiting Period Clause:
Choose a plan with a minimal waiting period for pre-existing diseases and specific illnesses, treatments, and maternity cover.

Co-payment Clause:
Only opt for this clause if you can pay off a portion of your hospitalization bills, that can be 10% and above without a financial burden.

Room Rent Sub-limits:
Choose a health plan with no or minimal sub-limits to avoid additional expenses.

Network of Cashless Hospitals:
Check the list of network hospitals for an insurance company where cashless claims can be filed.

Lifelong Renewability Option:
Choosing a plan with a lifetime renewal option is beneficial in the long run.

Premium Loading Factor:
Choosing a medical insurance plan with no loading will save you from paying an extra premium.

Check the Claim Settlement Ratio:
Go with a company with a good claim settlement record. A claim settlement ratio above 80% can be an ideal choice.

Additional coverage that can be purchased to enhance health insurance policies is known as riders. These riders offer extra benefits, making the policy more comprehensive. The cost of the rider depends on various factors such as age, sum insured, and type of coverage. Below are the top five health insurance riders you can consider purchasing:

Maternity Cover Rider:
The maternity cover rider covers expenses related to childbirth, pre and post-natal expenses, and may also cover expenses for the newborn until the end of the policy tenure. However, this rider comes with a waiting period, which can range from 2 to 6 years, depending on the insurer.

Critical Illness Rider:
The critical illness rider ensures coverage for critical illnesses such as heart attack, cancer, and other illnesses that are diagnosed for the first time during the policy tenure. It offers a lump sum benefit amount, irrespective of the actual medical expenses incurred during treatment. The waiting period for this rider is 90 days, and the survival period is 30 days. The number of critical diseases covered under this rider varies from 10 to 40, depending on the insurer.

Personal Accident Rider:
The personal accident rider provides compensation if an accidental injury leads to disability or death. It offers the entire sum insured in case of permanent total disability, and a part of the sum insured in case of partial disability. This rider is also known as the double indemnity rider, as it provides additional death benefit to the family in case of accidental death.

Hospital Cash Rider:
The hospital cash rider provides a fixed daily cash allowance to cover incidental expenses incurred during hospitalization for an injury or illness. It offers twice the coverage amount for a specific number of days if you are admitted to the ICU. The daily cash amount varies as per the policy terms and coverage. To activate this rider, you must be hospitalized for at least 24 hours.

Room Rent Waiver:
The room rent waiver ensures that your health insurance policy covers the rent for the hospital room of your choice during hospitalization, without any cap on room rent. This allows you to opt for a room with higher sub-limits or no sub-limits without paying extra from your pockets.

As healthcare costs continue to rise, health insurance has become a necessity to protect individuals and families from financial burdens resulting from unexpected serious illnesses or accidents. The following factors affect the cost of health insurance premiums:

Medical History:
Your medical history plays a significant role in determining your health insurance premium. Most health insurers require a pre-medical test, particularly for applicants above a certain age. Even if medical screening is not mandatory, insurance companies will still consider your current medical conditions, lifestyle-related health risks, and your family's medical history. Smokers, for instance, pay higher premiums compared to non-smokers.

Gender and Age:
Age is also an important determinant of health insurance premiums. The older you are, the higher the premium you will pay. That's why it's advisable to purchase health insurance at a young age when premiums are lower. Elderly individuals are more susceptible to critical illnesses, such as cancer, kidney problems, and cardiovascular diseases, hence, senior citizens' medical insurance premiums are typically higher. Additionally, the cost of the premium for women's health insurance is lower than that of male candidates because of the lower risk of heart attack, stroke, etc.

Policy Term
Opting for a 2-year health insurance plan will result in a higher premium than a 1-year plan, but longer-term plans are typically offered at a discounted rate by most insurance companies. Additionally, the extent of coverage you select for your health insurance policy will impact your premium; higher coverage levels will result in higher premiums.

No-Claim-Discount:
If you did not file any claims during your previous policy term, you may qualify for a No Claim Bonus (NCB) discount. This cumulative bonus can save you anywhere from 5 to 50 percent on your premium, depending on the number of years in which you did not file any claims. It is also one of the primary factors used to calculate premium costs.

Lifestyle:
If you regularly consume alcohol or smoke, your premium may be higher, and in some cases, your medical insurance policy request may even be rejected by the insurer.

The criteria for eligibility to purchase a health insurance plan are dependent on various factors including the policyholder's age, pre-existing medical conditions, and more. Typically, the following eligibility requirements must be met for most health insurance plans:

Age Criteria:
The minimum age for adults and children may differ and can range from 18-65 years and 90 days to 25 years respectively. The specific age requirements can differ between different medical insurance policies.

Pre-medical Screening
Applicants who are over 45 years or 55 years may be required to undergo pre-medical screening. However, many senior citizen health plans require pre-medical tests before policy issuance.

Pre-existing Diseases:
Coverage for any pre-existing conditions begins after a waiting period of 2-4 years. Health insurance providers usually ask about any existing medical conditions, such as high blood pressure, diabetes, heart disease, kidney problems, etc. during the application process. It is crucial to disclose if you are a smoker or consume alcohol to the insurance company. Failing to do so may lead to complications during claim settlement or even rejection of claims. The insurance company uses this criterion to determine the extent of medical coverage to offer to the applicant