|Health Insurance

Health insurance policy is a product that protects you against the financial implications of a wide variety of health-related expenses, ranging from those caused by minor illnesses and injuries to critical diseases. Therefore, health insurance plans and the cumulative Bonus serve as a protective financial shield for you should you be faced with a major medical expense.

Selecting a suitable medical insurance is difficult yet incredibly important for you to have a sufficient degree of preparedness against any sudden and, in some cases, expected medical expenses. Imagine a scenario wherein you are diagnosed with a serious medical condition that requires consistent treatment, hospitalisation, and/or surgery. Or simply take the example of the spread of COVID-19 in India and imagine the various expenses you may have to look after if diagnosed with a COVID-19 infection

In such a situation, you would not want to let your medical bills dig a massive hole in your savings or be faced with a financial crisis to pay said bills, will you? Hence it is pivotal to buy a suitable health insurance plan, choose the right sum insured, pay the applicable premium and get insured at the earliest, and we can help you with that.

Features	Coverage and Benefits
Sum Assured	While we are unhealthy, it costs a lot when we visit a doctor. Also, if there is a procedure that needs to be performed, it could even leave our bank balance empty. So, it is always preferred to choose individual health insurance with maximum coverage. Also, if we are taking Health Insurance plans for individuals who are the senior-most, then as they are more likely to contract diseases, they must have the maximum coverage possible.
Family Floater Health Plan vs Individual Health Plan	If you are a family of younger people including you, your wife and a child, then it is always preferred that you purchase a Family Floater health plan. Moreover, if you have parents who need to be insured, they must be given an individual health plan or Health Insurance Plans for Individuals as it provides more coverage which they may need in their old age.
Less waiting period	When you purchase a Health Insurance Plans for Individuals, you will have to keep in mind that it should have a lesser waiting period for pre-existing diseases if any. Mostly the waiting period could vary between 2 to 4 years. Choose the one lesser waiting period as you are more vulnerable to pre-existing diseases.
Keep Maximum Renewal Age	When you are younger, you may or may not need an Individual health plan. But as you grow older, you must be aware that your body might not support you all the time. So, you must have a Health Insurance plan for Individuals which can provide renewability at least till the age of 70 or 75 years of age.
Claim Settlement Ratio	If you are confused while choosing an Individual Health Insurance, then you must check for the claim settlement ratio of the company. The one with a more claim settlement ratio should be chosen. This would ensure you have hassle-free claim settlements.
Sub-limits	An Individual Health Insurance must have a sub-limit that should be used for room rent, per day expense, etc. If you want to avoid removing any additional money from your pocket, then purchase an Individual Health Insurance which offers more sub-limits.
Network Hospital	If you are opting for Individual Health Plan with a cashless claim facility, then you have to check whether the network hospital mentioned is within your locality. Also, the network hospital should be expanded in different parts of India as well. This could help in case the insured is travelling to some other place.
Compare Premiums	While purchasing an Individual Health Insurance, it should be kept as a habit to compare the premiums as it could be a possibility that there are two plans offering the same benefits and coverage, but one of them is with a lower premium. So, compare the plans for premium. However, an Individual health plan should not only be purchased just because of a lower premium, but you must also check other benefits as well.
Exclusions	Read the terms and conditions properly to know if you are eligible for the Individual Health Insurance. If you are excluded from Health Insurance Plans for Individuals, then know it from the beginning to avoid rejection at the final stage of the claim process.
Feedback	Make sure you read the reviews of the Health Insurance Plans for Individuals. This would give you more idea about the plan.
Riders	IRiders are purchased on top of the base plan to increase the coverage in Health Insurance Plans for Individuals. It could be helpful and would provide financial safeguard during times of accidents, critical illnesses, etc. Also, note that you must purchase rider only if it is required.

Why Buy From WealthRhino

Platinum insurance partner

WealthRhino is the largest partner for most
Health Insurers and a Platinum partner, which
means your policy and claims will be
treated on a priority

Affordable options

We make Health insurance more affordable for you
through various monthly payment options and
discounts provided by our Partners

30 minute claim support*

Our Claim specialists will reach your hospital
or home in 30 minutes to support your
health insurance claim

Understand Coverage Offered by Our Health Insurance Policies

Hospitalization Expense

Just like every other health insurance plan, we also cover your hospitalization expenses such as room rent, ICU, investigations, surgery, doctor consultations etc due to illnesses and injuries seamlessly.

Mental Healthcare

We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover hospitalization expenses incurred for treating mental illnesses.

Day Care Treatments

Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.

Home Healthcare

Cashless Home Healthcare for medically necessary treatment of Illnesses, if prescribed by treating medical practitioner.

Sum Insured Rebound

This benefit adds to the Sum Insured, an amount equivalent to the claim amount, up to basic sum Insured, on subsequent Hospitalization.

Recovery Benefit

If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses. It helps to take care of other expenses during your hospitalization.

Preventive Check-Up

We care for your well-being and hence we offer preventive health check-up at renewal.

Lifelong Renewability

Once you get yourself secured with, our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.

Adventure Sport Injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.

Self-Inflicted Injuries

If you ever end up causing injury to your precious self, then unfortunately our health insurance plan will not cover for self imposed injuries.

War

War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.

Participation In Defence Operations

Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations.

WealthRhino Claims

Prompt & Personal, with Star always by your side, 24x7

We are there when you need us the most

Panic. Worry. Anxiety. Let none of these trouble you during troubled times.

Direct cashless claim settlement

90% of Cashless claims settled in less than 2 hours

Just a call away

Reach us at +91-22-4007-4555. Our friendly representativeis there to assist you 24x7.

1 Crore life cover at ₹490/month⁺

Get insured from the comfort of your home

No Medical Tests Required⁺
COVID - 19 covered

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Health Insurance FAQ's

Can I Buy Health Insurance?

If you want to insure yourself and if you don’t fall under the exclusions list, then you can surely buy an Health Insurance plan for yourself. Exclusion category includes working for life-risky jobs, attempt suicides or self-injuries, involved in crime, etc.

What Is Health Insurance?

If you want to purchase a Health Insurance plan separately for yourself or your spouse or your parents, then such comes under Health Insurance plan.

How Much Is Health Insurance A Month ?

The cost of Health Insurance plan varies for a different person. For an individual with 5 lakh sum assured, they will have to pay the premium ranging between 4000 to 9000 more or less.

How Much Is An Health Insurance Plan?

Health Insurance plan varies from person to person. It can cost around 4k to 9k per person for 5 lacs coverage. So an health plan provides us benefits at a lower cost. If top-up’s and riders are added on top of the Health plan, then the premium could increase.