Health Insurance

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  • Most Affordable Premiums
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What is Health Insurance?

Health insurance is of two types. Hospitalization policies cover actual expenses on bills and are annually renewable. Critical illness or major surgery policies pay a fixed benefit and the cover is not renewable thereafter.

Hospitalization insurance covers hospitalization and related expenses for an individual or a family. They include hospitalization costs, medicine and consultation charges specified pre- and post-hospitalisation expenses and  expenses for listed day-care procedures.

Features and Benefits of Hospitalization Policy

  • It provides financial cover during medical emergencies.
  • Medical costs have shot up enormously. Draining your personal savings for medical treatment may leave you in a financial crunch. A hospitalization policy acts as a protector during health emergencies.
  • The premium paid for any Health insurance policy is eligible for tax benefits.
  • You can avail cashless treatment at network hospitals.
  • Both pre-hospitalization and post-hospitalization expenses are covered.
  • In the event of a no-claim year, you will receive a no claim bonus either in the form of a reduction in your premium amount or increase in sum insured on renewal.
  • Some plans come with a restore benefit option by which the sum insured is automatically restored once exhausted this benefit comes at a higher premium.
  • Some additional benefits the insured can avail are ambulance charges and health check-ups.

Types of Hospitalization Insurance Policies in India

  • Individual Health Insurance Plan
  • Family Health Insurance Plans
  • Senior Citizen Health Insurance Plans
  • Critical Illness Insurance Plans
  • Maternity Insurance Plans
  • Unit Linked Health Plan
  • Group Health Insurance plans

How to choose the best health insurance policy?

Now that you’ve decided to purchase health insurance, you should know how to select an suitable policy that meets your expectations. Here are a few checkpoints to buy the best insurance plan.

  • Select the company with a good claim settlement ratio. You can quickly gather it from the Internet.
  • Buy policies from companies that have a good reputation.
  • Check how good the customer support of the insurance company is. You can gain some knowledge reading the reviews of the company online. Choose the company that offers support through multiple channels preferably 24/7 (chat, e-mail, and telephone support).

Why buy Health Insurance at IVA Insurance?

To avail the best Health insurance online, you must go through the plans of different companies. At IVA Insurance, you can browse health insurance plans from various insurance providers in one platform.

Unlike the one-size-fits-all approach, we ensure you are getting the best deal that fits your budget with our unbiased algorithms. Our system will guide you in the buying process from start to end.

  • We provide unbiased quotes enabling you to compare policies from various insurance providers
  • IVA provides relevant quotes based on features, budget, benefits and inclusions/ exclusions
  • You can avail add-ons with the existing policy at the time of renewal
  • Most plans are available online and you can get your policy instantly by purchasing it online

FAQ on Health Insurance

The tectonic shift in our lifestyles has made us vulnerable to many health disorders. As the expense for medical care in our country is very high, it is essential every individual holds a health insurance policy.

Pre-existing diseases are usually covered after  a specified waiting period. Some conditions, even if not pre-existing, are covered only after specified waiting periods.

Several factors come into play in deciding the total cost of a health insurance policy. If you are young and healthy, you probably will have to pay  less compared to older people or those who have health conditions. Premium also depends on the sum assured.


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