Health Insurance
A health insurance policy is a protective cover and an assurance that provides financial help in case of any medical emergency.
What can it do for you?
- Covers medical expenses before, during, and after hospital stays.
- Reimburses treatments, hospital, and surgical bills, and other expenses.
- Gives an option of cashless claims through a large network of hospitals.
Highlights of Health
Insurance Plans
Types of Health Insurance Plans
You can choose plans for individuals, family, senior citizens, parents, and super top-up options. There are also health insurance plans for maternity, critical illness and personal accident.
In addition to yourself, these plans cover your spouse, children, and parents, with individual sum assured for each member.
These plans cover the immediate family members with a single sum insured under one policy.
These plans cover medical expenses of individuals who are 60 years and above in age.
These plans help you enhance your existing plan’s sum insured at an affordable price.
A critical illness insurance policy that protects the insured from life-threatening critical diseases. This includes cancer, heart attack, renal failure etc
Personal Accident Insurance covers an insured against severe injury or disability caused by an accident. It also compensates the family of the insured in case of the death of the individual.
Most Popular Health Insurance Plans
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Pays for medically necessary expenses incurred towards Assisted Reproductive Treatment, where indicated for sub-fertility
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Pays for medically necessary expenses incurred towards Assisted Reproductive Treatment, where indicated for sub-fertility
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Pays for medically necessary expenses incurred towards Assisted Reproductive Treatment, where indicated for sub-fertility
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
100% unlimited reset of Annual Sum insured in a policy year.
Expenses incurred for modern treatments such as immunotherapy, stem cell therapy, robotic surgeries and balloon sinuplasty
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
Expenses covered maximum up to 50% of the sum insured
Coverage for expenses for daycare treatments
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
100% unlimited reset of Annual Sum insured in a policy year.
Expenses incurred for modern treatments such as immunotherapy, stem cell therapy, robotic surgeries and balloon sinuplasty
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
Expenses covered maximum up to 50% of the sum insured
Coverage for expenses for daycare treatments
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
100% unlimited reset of Annual Sum insured in a policy year.
Expenses incurred for modern treatments such as immunotherapy, stem cell therapy, robotic surgeries and balloon sinuplasty
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
Expenses covered maximum up to 50% of the sum insured
Coverage for expenses for daycare treatments
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
100% unlimited reset of Annual Sum insured in a policy year.
Expenses incurred for modern treatments such as immunotherapy, stem cell therapy, robotic surgeries and balloon sinuplasty
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
Expenses covered maximum up to 50% of the sum insured
Coverage for expenses for daycare treatments
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
100% unlimited reset of Annual Sum insured in a policy year.
Expenses incurred for modern treatments such as immunotherapy, stem cell therapy, robotic surgeries and balloon sinuplasty
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
Expenses covered maximum up to 50% of the sum insured
Coverage for expenses for daycare treatments
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
100% unlimited reset of Annual Sum insured in a policy year.
Expenses incurred for modern treatments such as immunotherapy, stem cell therapy, robotic surgeries and balloon sinuplasty
5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times
of Base Sum Insured
Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication
Expenses covered maximum up to 50% of the sum insured
Coverage for expenses for daycare treatments
Gold – 5 to 10 lacs
Platinum - 5 to 25lacs
Air ambulance up to INR 2,50,000 per hospitalization
Road ambulance up to INR 2,000 per hospitalization
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
Unlimited recharging of sum insured, even the claim arises for related illness
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
Unlimited recharging of sum insured, even the claim arises for related illness
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
Unlimited recharging of sum insured, even the claim arises for related illness
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
Unlimited recharging of sum insured, even the claim arises for related illness
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
Unlimited recharging of sum insured, even the claim arises for related illness
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
Unlimited recharging of sum insured, even the claim arises for related illness
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
Unlimited recharging of sum insured, even the claim arises for related illness
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Sahi Advice,
Sahi Insurance
If you have any questions related to how to choose the best insurance company, you can connect with our IRDAI certified insurance advisors.
Paybima is the digital arm of Mahindra Insurance Brokers Ltd
Experience
Strong Team
Advisors
Health Insurance
Everything You Want to Know
Benefits and Features
Covers hospital stays of 24 hours or longer, including room, doctor, boarding, nursing, and more.
Covers doctor-prescribed home treatment when medical facilities are limited during emergencies or epidemics.
Plans that cover childbirth and postnatal care for mother and baby.
Plans that cover organ transplant and donation expenses.
Plans that offer benefits under Section 80D of the Income Tax Act.
Plans that offer cashless claims at network hospitals.
Plans that cover diagnosis, care, therapy and much more.
Plans that cover treatments and procedures under 24 hours.
Plans that cover patient transportation.
Plans that cover previous illnesses after a waiting period.
Plans that include annual health check-ups or are available as add-ons.
Option to recharge up to 100% of sum insured for another hospitalisation in the same year.
At Paybima, buying an insurance plan is easy and you can opt for an advisor’s help anytime.
Easy-to-follow Steps
Plans for Free
Advisors Anytime
No Force Selling
Health Insurance Plan – Inclusions
What is covered in health insurance
Covers serious injuries that need overnight stays.
Covers up to a set amount for organ transplants.
Plans that cover after a 2 to 4-year waiting period.
Plans that cover for a specific number of days.
Covers up to a certain limit for hospital transportation.
Plans that cover up to a set sub-limit.
Top plans that include annual check-ups.
Plans that cover delivery costs, and in some cases even pre- and post-natal care is included.
Covers treatments that require less than 24 hours.
Covers doctor-prescribed home care in case hospitalization isn't easily available.
Health Insurance Plan – Exclusions
What is not covered in health insurance
Plans that exclude injuries caused intentionally by the insured.
Plans that do not cover preventive or cosmetic dental care.
Plans that don’t include treatment for drug/alcohol or any other intoxicant abuse.
Plans that do not cover treatment for infertility.
Plans that do not cover costs for cosmetic procedures.
Plans that exclude injuries from risky sports.
Plans that do not cover treatment costs for HIV/AIDS.
Plans that do not cover costs from nuclear weapon injuries.
Plans only cover the standard allopathic and AYUSH treatments.
Got Existing Illness?
Select the appropriate plan that covers more than 50* existing illness
*The number of illness covered values for different insurance companies.
View PlansHow to Select the Best Health Insurance Plan
While choosing the right health insurance plan as per your needs and the life stage you are in, it's extremely crucial to consider several factors to ensure comprehensive coverage for yourself and your loved ones.
The first step would be to assess your medical needs, including any pre-existing conditions or potential future requirements. Secondly, evaluate the coverage options, premiums etc. There are multiple other factors that need to be considered.
Here’s a guide on how to choose the best health insurance policy in India.
A well-chosen health insurance plan not only provides financial security but also peace of mind, knowing that you and your loved ones are covered in times of need.
Look for a policy that covers various medical conditions and does not have added costs.
Choose a plan with maximum benefits.
Select a plan within your budget; add-ons can be chosen later.
Opt for policies with lifetime renewability for continuous benefits.
Ensure your plan includes a wide network of hospitals for cashless treatment.
Verify the sum insured to cover medical expenses adequately.
Check waiting periods for immediate treatment needs.
Confirm availability of add-ons before choosing a plan.
Be aware of disease-specific or room-rent sub-limits.
Most providers don't require pre-screening, but some may ask for tests.
Tips on how to Minimise Health Insurance Premium
Starting early lowers premiums due to lower disease risks.
Healthy individuals pay less than those with health issues.
Long-term policies have lower premiums.
Annual payments often get discounts as compared to monthly payments.
Opt for a plan that meets your needs without extra riders.
Smoking, drinking, and chewing tobacco can raise premiums.
Premiums vary based on the geographic location – metro, tier 1 or 2 or climate, and other medical and healthcare facilities.
Steps to Follow for Health Insurance Claims
Contact Us Visit a Mahindra Paybima store near you or call our toll-free number < 1800 267 6767> for claim assistance.
Determine Claim Type Identify if it’s a cashless or reimbursement claim.
Notify TPA or Insurer Inform them within the specified time frame on your claim type.
Document Submission Provide the necessary documents as per your claim type.
Hospital Selection: Choose a network hospital as mentioned in the policy document/insurer’s website.
Visit the TPA: Inform the hospital’s TPA counter at least 2-5 days before admission.
Document submission: Provide the required documents such as health ID card, policy, Aadhar card and diagnosis reports/ doctor’s prescription.
Document inspection: The insurer/TPA will review the documents and issue an initial authorisation letter to the hospital. There may be a nominal refundable security deposit as per hospital regulations.
Insurer will provide final authorisation against hospital bills during discharge, which excludes non-consumables, instruments, and various charges as per IRDAI guidelines.
In case the cashless claim gets denied, the insured can submit the claim for reimbursement. TPA verifies the documents and claim based on policy terms and conditions.
Hospital Selection: Choose a network hospital as mentioned in the policy document/insurer’s website.
Visit the TPA: Inform the hospital’s TPA counter within 24 hours after admission along with photo ID proof, health ID card and policy.
Document submission: Provide the required documents such as health ID card, policy, Aadhar card and diagnosis reports/ doctor’s prescription.
Document inspection: The insurer/TPA will review the documents and issue an initial authorisation letter to the hospital. There may be a nominal refundable security deposit as per hospital regulations.
Insurer will provide final authorisation against hospital bills during discharge, which excludes non-consumables, instruments, and various charges as per IRDAI guidelines.
In case the cashless claim gets denied due to non-availability of documents, the insured can submit the claim for reimbursement. TPA verifies the documents and claim based on policy terms and conditions.
In case a cashless claim is not approved by the time of discharge or if the insured is admitted to a non-network hospital, a reimbursement claim can be submitted.
Inform the insurer/TPA through the toll-free number or connect with Mahindra Paybima store, within 48 hours of admission.
Download from insurer’s website/TPA.
- Claim Form - Filled and signed by the insured – Part A
- Claim Form - Filled and signed by the hospital – Part B
- Original discharge summary/discharge card
- Original payment receipts (advance receipts & final bill payment receipts)
- Original bills of doctors’ consultations and prescriptions
- Bills and receipts of all investigations (MRI, Xray, Pathology, etc.)
- Original pharmacy bills
- Copy of in-patient records
- Copy of age proof (driving license / PAN card/Aadhar card/ passport)
- Personalised cancelled cheque (name printed) of the proposer or bank passbook copy
- Prescriptions and hospital bills 30 days pre- and 60 days post-hospitalisation. In such cases, the expenses for post-hospitalisation can be claimed after 60 days.
- Attested hospital registration certificate
- ** Depending on the specific case, additional documents may be asked
The insurer/TPA will review the documents submitted, confirm if they are in order and settle the reimbursement amount via electronic transfer within 10 to 15 working days.
Tips to Maximize your Claim
To get the most out of the premium you have paid for your health insurance policy, here are some tips to be kept in mind.
Fill out your application accurately and honestly, including medical history and lifestyle details like smoking and drinking habits.
Understand your policy's features, inclusions, exclusions and clauses.
Learn about the claim process, required documents, and other requirements.
Inform your insurer promptly within 24 hours, especially for cashless claims.
Have all necessary documents ready, including health card, hospital bills, prescriptions, claim form, and insurer's checklist.
Guaranteed Claim Support
We will guide you from start till end in your 'claim journey'. Start your claim process with us to get our support.
Health Insurance - How to Avoid Rejections
Be aware of waiting periods for coverage of a particular ailment.
Ensure that the ailment or treatment is covered in your policy.
Avoid fake claims.
Documents for Claiming Health Insurance
For a seamless claim process, keep these documents handy.
Policy Copy/Health Card
Filled Claim Form
Doctor-signed Medical Form
Original Discharge Summary
Hospital Bills and Receipts
Medical Prescription and Cash Memos
Investigation Reports
Accident Reports (FIR/MLC or Medico Legal Certificate, if applicable
Do You Have any Insurance Related Concerns?
Our IRDAI Certified insurance advisor is a click away.
Get in Touch with an AdvisorAll About Buying Health Insurance
How to Buy Health Insurance at Mahindra Paybima
Provide personal and health information to begin the policy procedure.
Analyse the plans, compare quotes, features, network hospitals, waiting period and other details.
After shortlisting 2-3 policies as per your requirements, review them together by clicking the ‘compare product’ box.
Select the most suitable plan as per your requirement after comparing the benefits.
Select the appropriate riders or add-ons for extra cover.
Enter required details for e-KYC.
Pay online using credit/debit cards, UPI, wallets, or net banking.
Upload the required documents.
Post insurer’s approval, the policy is sent on the registered email id.
How to Compare Health Insurance Policies
Here are some of the factors you should consider while comparing health insurance policies.
Compare Top plan From Top Health Insurance Companies
Star Comprehensive
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Niva ReAssure 2.0 Bronze+
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ICICI Lombard Health Advantage
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Care Supreme
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Pre/Post hospitalization
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No claim bonus
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Ayush treatments
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Restoration benefit
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Health check-up
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Benefits of Buying and Comparing Health Insurance Policies Online
It is important to compare the best health insurance policy in India, and here are some of the reasons why:
Every person has different healthcare needs and budget. By comparing various policies, you can pick a suitable health insurance policy that matches your budget and fits your requirement.
A comparison of plans online helps you understand the exact various features and benefits of each plan, letting you make an informed decision about choosing a health insurance plan.
Getting the widest coverage at the best possible price is the key to buying a health insurance plan. And when you compare you get to pick the best ones.
Different companies offer deals and discounts that benefit you at the buying stage or renewal stage. Comparing helps you with that too.
Buy from India’s Top Insurers
Buy from India’s Top Insurers
Ask Anything as We Have Answers to Everything in Health Insurance
We recommend coverage of ₹10 lakhs per insured member, which means coverage of ₹40 lakhs for a family of four. However, with a slightly extra amount, one can go for ₹1 crore coverage, which gives complete peace of mind.
Buy health insurance not only for parents but for in-laws is possible. Just be aware of their pre-existing conditions, if any, for the policy proposal purpose.
Yes, almost all insurers allow adding a spouse in case of marriage or a child born during the policy period.
One must buy health insurance as young as possible. Here’s why:
- Buy policy since policyholder are fit and fine
- Complete the waiting periods at a young age
- The premiums are very less
Yes, all the above can be included in one health insurance policy. In-laws can also be included in place of parents. However, considering the age of parents and their pre-existing health conditions, they should take one policy for them and a separate one for themselves, spouse, and children to get the best premium options.
They can definitely buy health insurance for their parents but please keep in mind that all the pre-existing conditions must be declared with the insurer in the proposal form for successful approval and subsequent policy generation.
A regular health insurance policy covers in-patient hospitalisation expenses, which include room rent, doctor fees, diagnostic tests, and medicines. It also pays for any expenses towards doctor consultations, diagnostic tests, etc. which are undertaken pre- and post-hospitalization.
- Initial waiting period - Usually 30 days from the start date of the policy. Only claims related to accidents are admissible in the first 30 days.
- Specific disease waiting period - Usually 2 years from the start date of the policy. Claims related to slow-growing diseases (ex. Hernia, cataract etc,) are paid only after continuing the policy for 2 years.
- Pre-existing disease waiting period - Usually 4 years from the start date of the policy. Claims related to any pre-existing condition such as heart disease/diabetes etc. are paid only after 4 years of continuing with the policy
Critical illness plans pay a lump sum amount on detection of a major critical illness, such as Cancer, First Heart Attack. They cover for loss of income, whereas a regular plan pays for hospitalization costs.
A general list of exclusions from a health insurance policy is as follows:
- Infertility
- Injuries/illnesses that result from illegal activities
- Injuries suffered as a result of engaging in adventure sports
- Addiction treatments
- Dental treatments (unless the dental injury results from an accident)
- Genetic disease/Congenital conditions
- Cosmetic treatments
- Treatment for self-harm
- Alternative therapies
Some health insurers may provide coverage for the above exclusions basis their plans and additional benefits (riders) as the list varies from insurer to insurer.
We suggest they should because coverage in most corporate health policies is,
- Limited to only ₹2-3 lakhs, which is quite inadequate given the high costs of treatment
- Stops immediately in case of a job switch, job loss, or retirement
- Is subject to change as per employer’s discretion
Therefore, one must always have a personal health insurance policy to take care of any medical expenses at any time.
Super top-up is a very low-cost plan that provides additional coverage, over and above the base health insurance plan.
For Example: If they have a base policy of ₹5 lacs, they can buy a Super top-up of ₹95 lakhs at a very minimal cost to make their overall health cover of ₹1 crore.
Policy copy is issued instantly in case there are no adverse medical conditions to declare. In case any medical conditions are declared, it takes 3-4 days, after the submission of past medical records.
Health insurance premiums are adjusted as per the rising medical costs. Few insurers increase the premium in a block of 5 years, while others increase marginally each year. Hence it is always advisable to go for a multi-year policy to get discounts and save more.
Yes. Insurance companies reward the customers with a 'No Claim Bonus' for not making any claim. This means the coverage increases at no extra cost. This can vary from 10% to 50% depending on the plan.
Yes. It’s highly recommended to disclose all past and current health conditions or any lifestyle habits such as smoking or drinking at the time of purchasing the policy. This ensures smooth claims processing.
Tax deduction u/s 80 D of the Income Tax Act is applicable for the premium paid towards health insurance as per the limit below:
For Self and Family (All members below 60 years), the maximum amount that can be saved under section 80D is ₹25,000
For Self and Family + Parents (All members below 60 years), the maximum amount that can be saved under section 80D is ₹50,000 (₹25,000+₹25,000)
For Self and Family (all members below 60 years) with Senior Citizen Parents, the maximum amount that can be saved under section 80D is ₹75,000 (₹25,000 + ₹50,000)
An insurer can decline a claim due to the following reasons:
- Non-disclosure: if a person did not completely disclose any past or present medical condition or lifestyle habit, such as smoking or drinking
- Claim Made in Waiting period: The person files a claim even though the waiting period is not over for the particular disease
- Policy in Grace Period: If a person hasn’t renewed the policy before the expiry date, the policy enters a grace period, where the insurer isn’t liable to pay claims
Insured can use up to the Sum Insured in a policy year. However, few policies provide the benefit of Automatic Restoration of Sum Insured. This means if sum insured is exhausted, the insurance company will restore the sum insured at no extra cost. Lot of insurance companies now provide Unlimited Auto Restoration of Sum Insured.
Yes, individuals can have health insurance from multiple insurance providers. At the time of claim, they can choose to pay from one policy or multiple policies.
NRIs are eligible to purchase a health insurance plan in India and just need proof of residence, IT returns, and other related documents for making the purchase. Please note that most of the health insurance policies come with a clause of ‘geographical restrictions’, which indicates that the policy will not cover any expense of the insured outside India. Eg: If USA residents are seeking medical supervision, the insurance company in India will not cover for the expenses incurred.
