Protect Your Savings with Peace of Mind

Your personal data is safe with us.

Health Insurance

  • tax saving benefit
    Tax Saving Benefit
    Under section 80D
  • no claim bonus
    Benefits of No Claim Bonus
    No claim bonus on every year
  • Instant policy issuance
    Instant Policy Issuance
    No medical test required
  • Cashless hospitals
    Cashless Hospitals
    Pre and Post Hospitalisation
Talk to Our Advisor
06-Feb-2025
Complete By*
Web Online CA is the largest and most trusted digital services platform

What is Health Insurance?

In simple terms, Health insurance provides emergency and planned expenses for hospitalisation, day-care treatments, surgeries, pre and post-hospitalisation, ambulance charges. It also offers tax savings on the premium amount, cashless hospitalization, coverage for outpatient department (OPD) expenses, daily cash allowances, diagnostic costs, and more. These premiums depend on age, medical conditions, coverage, policy term, and additional riders that meet all your future medical requirements.

Need Assistance?

customer support
Customer Support

+91 7413 826826

get in touch
Get in touch

support@webonlineca.com

request callback
Request Callback

+91 7413 826826

Why Should I Buy a Health Insurance Plan?

If you are hospitalized with a critical illness, you may end up losing all your financial savings. Health insurance helps you and your family against the high costs of medical care, offering financial protection. A health insurance plan offers below benefits:

  1. Coverage for pre and post-hospitalisation: Several health insurance plans come with pre and post-hospitalisation expenses up to a certain number of days, such as 60 days of admission and post-discharge expenses till 180 days. These offers provide an extra layer of financial protection and help you focus on your well-being and family.
  2. Protect Your Savings: Health insurance protects your hard-earned savings by covering your medical treatments, hospital stays, and surgeries. Health insurance lets you focus on getting better without any financial worries.
  3. Preventive care and regular check-ups: Many health insurance plans offer you to afford the best quality medical treatment and preventive care coverage, including regular health check-ups. These can help in detecting potential health issues early, so that you can focus on timely treatment and potentially better health outcomes.
  4. Fight Critical Illness: It covers you for the long-term treatment of critical illness like cancer, heart ailments, etc., that have been on the rise with the changing lifestyles.
  5. Tax Benefits: You can claim tax deductions on the health insurance premium under section 80D of the Income Tax Act for better financial savings.
  6. Peace of Mind: You may be anxious about your financial ability to handle an unexpected illness or medical emergency. With health insurance, you're covered, bringing down stress of medical costs is significantly reduced and helps you focus on your well-being and family.

What is Covered In Health Insurance Policy?

hospitalisation expenses

Hospitalisation expenses

pre and post hospitalisation costs

Pre-and-Post hospitalisation costs

recovery benefit

Recovery & AYUSH benefit

Day care and home care treatments

Day care and home care treatments

Donor expenses

Donor expenses

Costs for emergency ambulance

Costs for emergency ambulance

Protect your savings

Protect your savings

Maximum sum insured with no claim bonus

Maximum sum insured with NCB

What is Not Covered In a Health Insurance Policy?

  1. Initial waiting period of 30 days for all illnesses (except Hospitalization due to accidental emergency).
  2. Pre-existing diseases will be covered with a waiting period of 2 to 4 years.
  3. Critical illnesses conditions, the waiting period will be 90 days.
  4. Self-inflicted injuries or suicide are not covered.
  5. War related injuries
  6. Cosmetic/plastic surgery
  7. Treatment for Alcoholism
  8. Hazardous or Adventure Sports injuries
  9. Drug or substance abuse

Note: Please check your policy wordings to get a detailed list of exclusions.

Document required to Buy Health Insurance Plan

Make your application process smooth by keeping these documents handy:

  1. KYC document: Any one of the following documents can be submitted as identity & Address Proof
    1. PAN Card
    2. Aadhaar card
    3. Passport
    4. Driving license
    5. Voter ID
    6. Any other document issued by the central government in consultation with the IRDAI

How to Buy Health Insurance Online

  1. Visit Web online CA Website and visit Health Insurance
  2. Enter your basic details such as name, age, gender and contact number
  3. Fill your personal habits, educational qualification, occupation type and annual income.
  4. Once done, you will receive a call from our team and guide you on the next steps
  5. Select the most suitable plan and proceed to pay to generate a policy

Documents required for health insurance claim reimbursement

The required documents are for reimbursement claim with the insurer:

  1. A duly filled claims form with insured's signature
  2. Doctor's prescription that mentions hospitalisation, diagnostic tests and medical store bills
  3. Admission and Discharge notes issued by the hospital
  4. Pharmacy bills
  5. Policy documents
  6. Policy holder's ID Card
  7. if any additional documents asked by the TPA

How to Calculate Health Insurance Premiums

Health insurance premium will depend on certain factors such as your age, the medical background of your family, sum insured, cumulative bonus, your personal medical history and so on.

You need these details while calculating premiums of health insurance:

  1. Age: The lower the age, the lower the premiums.
  2. Type of coverage: Select most suitable plan like Individual plan, a critical illness plan or a family floater plan.
  3. Sum insured: Select sum insured, the higher sum insured increases the higher premium.
  4. Riders: Premiums will be increased if you choose for add-on riders.

How to Get a Physical Copy of My Health Insurance Policy

All insurers share a soft copy of the health insurance policy with policy holders on their email address and mobile number, it is digitally verified and legally valid. However, if you need a physical copy, you can use the options given below:

  1. Login to your insurer's website with registered mobile number or email address.
  2. Go to My Account section and Download the policy document and get it printed.
  3. Fill your personal habits, educational qualification, occupation type and annual income.
  4. If you have purchased your policy from webonlineca.com, you can log in to the website to download your policy document and get it printed.

FAQs About Health Insurance

What do you mean by a pre-existing disease?

A pre-existing disease / pre-existing condition means any medical condition, illness, or injury within 36 months prior to the first policy with the insurance company is called a pre-existing disease.

What is the waiting period?

The duration of the time period in which you can make a claim is called a waiting period.

Types of Waiting Periods are:

  1. No waiting period for accidental emergencies.
  2. 2 to 4 years for pre-existing diseases.

Is a medical test mandatory to buy a health policy?

Medical tests are not mandatory but if the applicant's age is above 45 years then require a medical test before buying a health insurance policy.

Can I include my children in my health plan?

Yes, you can add your children aged between 90 days to 20 years in your health plan. A Newborn baby can be added after 90 days of birth.

Can I buy multiple health insurance policies?

Yes, you can buy multiple health insurance policies to protect your financial savings and cover medical expenses. If one insurer rejects your claim, you still have a chance that the other insurer may accept as per its terms and conditions.

What to do if I am admitted to a non-network hospital in an emergency situation?

If you are admitted to a non-network hospital, you have to pay the hospitalisation costs from your pocket. You can submit all the relevant documents for the reimbursement claim after discharge, the claim amount will be transferred to your bank account after verification.

What should be the age to buy health insurance?

Health Insurance policy you can buy at any age. However, it is recommended to buy it as early as possible to keep your premium low and get benefits.

How many times can medical insurance be claimed?

You can file multiple numbers of claims during a policy period, you can get coverage up to sum insured only.

How long does it take to approve Cashless claims?

Cashless claims are approved within 1 hour if documents are in order.

How long does it take to settle a Reimbursement Claims?

It usually takes approx 3 to 4 working days in settling a claim if relevant documents are completed.