Health Insurance
Hum Hai SurePath Financial Pvt Ltd
Health insurance is a financial arrangement where an insurance company covers medical expenses in exchange for a regular premium. It helps individuals manage healthcare costs, including hospitalization, surgeries, consultations, and prescription medicines.
Protect Your Health, Secure Your Future Health insurance is not just a policy—it’s peace of mind for you and your loved ones. With rising medical costs and unexpected health challenges, having the right health insurance coverage ensures that you get the best care without financial strain.
- Financial Protection: Covers medical expenses, reducing out-of-pocket costs.
- Cashless Treatment: Some policies allow direct hospital billing without upfront payments.
- Preventive Care: Includes check-ups, vaccinations, and wellness programs.
- Tax Benefits: Premiums may be eligible for tax deductions.
Features Of Health Insurance
Why Choose Our Health Insurance Plans?
✅ Comprehensive Coverage
From hospitalization and surgeries to outpatient care and diagnostic tests, our health insurance plans cover a wide range of medical services.
✅ Cashless Hospitalization
Access treatment at a wide network of partner hospitals without the need to pay upfront. We’ll take care of the bills directly with the hospital.
✅ Pre & Post Hospitalization Expenses
Get coverage for medical expenses incurred before and after your hospital stay, including follow-up visits and tests.
✅ Family Floater Plans
Cover your entire family under a single plan—ensuring everyone’s health is protected.
✅ Tax Benefits
Premiums paid towards health insurance are eligible for tax deductions under Section 80D of the Income Tax Act.
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Family Floater Health Insurance is a type of health insurance policy that covers multiple family members under a single plan. Instead of purchasing separate policies for each individual, this plan allows the sum insured to be shared among all covered members.
Covers an entire family under one policy, The sum insured is shared among members.
One policy to safeguard the health of your entire family.
Key Features
Cost-Effective: More affordable than buying individual policies for each family member.
Flexible Coverage: Includes hospitalization, pre- and post-hospitalization expenses, ambulance charges, and sometimes maternity benefits.
Cashless Treatment: Many policies offer cashless hospitalization at network hospitals.
Easy Addition of Members: New family members, such as newborns, can be added to the policy.
How It Works
-The policyholder selects a sum insured that is shared among all covered members.
If one member requires medical treatment, the expenses are deducted from the total sum insured.
Claims can be settled through reimbursement or cashless hospitalization.
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Senior Citizen Health Insurance is designed specifically for individuals aged 60 and above, providing financial protection against medical expenses. These policies help cover hospitalization, pre-existing conditions, critical illnesses, and routine health check-ups.
Specialized plans for individuals aged 60 and above, with higher coverage and benefits suited for older age groups.
Designed for individuals above 60 years of age , Includes coverage for age-related health concerns.
Key Features
Higher Sum Insured: Offers substantial coverage to manage rising healthcare costs.
Cashless Hospitalization: Available at network hospitals for hassle-free treatment.
Pre-existing Disease Coverage: Included after a waiting period.
Lifetime Renewability: Ensures continued coverage without age restrictions.
Daycare Treatments: Covers procedures that don’t require 24-hour hospitalization.
No Claim Bonus (NCB): Discounts on premiums for claim-free years.
Why It’s Important
Rising Medical Costs: Helps manage expensive treatments and hospital stays.
Increased Health Risks: Covers chronic conditions like diabetes, heart disease, and arthritis.
Limited Income: Supports retirees who rely on savings or pensions.
Peace of Mind: Ensures access to quality healthcare without financial stress.
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Critical Illness Health Insurance is designed to provide financial support when an individual is diagnosed with a severe medical condition. Unlike regular health insurance, which covers hospitalization costs, this policy offers a lump-sum payout upon diagnosis of a covered illness, helping with treatment expenses and income loss during recovery.
Lump sum payout on diagnosis of life-threatening diseases like cancer, heart attack, or stroke.
Provides a lump-sum payout if diagnosed with a severe condition (e.g., cancer, heart attack),Helps cover high treatment costs.
Key Features
Lump-Sum Payment: The insured receives a fixed amount upon diagnosis, regardless of actual medical expenses.
Coverage for Major Illnesses: Includes conditions like cancer, heart attack, stroke, kidney failure, and organ transplants.
Income Replacement: Helps manage financial stability if the insured is unable to work due to illness.
Worldwide Coverage: Some policies provide protection for illnesses diagnosed anywhere in the world.
Waiting & Survival Periods: Typically, there is a waiting period (e.g., 90 days) before coverage starts, and a survival period (e.g., 30 days) after diagnosis before the payout is made.
Why It’s Important
High Treatment Costs: Covers expensive medical procedures and long-term care.
Financial Security: Ensures savings are not depleted due to medical emergencies.
Peace of Mind: Allows the insured to focus on recovery without financial stress.
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Top-up and Super Top-up health insurance plans are designed to provide additional coverage beyond your existing health insurance policy. They help manage high medical expenses without increasing the base sum insured.
Affordable options to enhance your existing health insurance coverage.
Works as an add-on when primary health coverage is exhausted, Ideal for those who want additional financial protection.
Top-Up Health Insurance
Kicks in when a single claim exceeds the deductible limit.
Works as an add-on to your primary health insurance.
Requires the policyholder to pay the deductible amount before coverage starts.
Ideal for covering large medical bills from a single hospitalization.
Super Top-Up Health Insurance
Covers multiple claims exceeding the deductible limit in a policy year.
More flexible than a top-up plan, as it considers the total medical expenses over time.
Once the cumulative expenses cross the deductible, the policy starts covering costs.
Suitable for individuals with frequent hospitalizations or chronic conditions.
Differences
Feature Top-Up Plan Super Top-Up Plan Coverage Trigger Single claim exceeding deductible Total claims exceeding deductible in a year Ideal For One-time high medical expenses Multiple hospitalizations in a year Cost Lower premium Slightly higher premium but better coverage
Individual health insurance is a type of health coverage designed for a single person, providing financial protection against medical expenses. Unlike family floater plans, which cover multiple members under one policy, individual health insurance ensures that the insured person receives dedicated benefits tailored to their healthcare needs.
Coverage tailored for a single individual—ideal for personal protection.
Covers medical expenses for a single person, Benefits are personalized based on health conditions.
Key Features
Personalized Coverage: The policyholder gets specific benefits suited to their health requirements.
Comprehensive Protection: Covers hospitalization, ambulance fees, day-care treatments, and alternative therapies.
Customizable Plans: Add-ons like critical illness coverage or maternity benefits can be included.
Cashless Treatment: Many policies allow direct hospital billing without upfront payments.
Tax Benefits: Premiums paid for individual health insurance may be eligible for tax deductions.
How It Works
The policyholder pays a premium to the insurance provider.
In case of hospitalization or medical treatment, the insurer covers expenses up to the sum insured.
Claims can be settled through reimbursement or cashless hospitalization at network hospitals.