How does cashless hospitalization work?

In cashless hospitalization, you show your health insurance card and ID proof at a network hospital. The hospital TPA desk sends a pre-authorization request to your insurer. Once approved, the insurance company settles eligible medical bills directly with the hospital.

What is No Claim Bonus (NCB) in health insurance?

No Claim Bonus is a cumulative reward offered by insurers for every claim-free year. It increases your sum insured (often by 10% to 50% per year, up to 100% or 200%) without increasing your annual premium.

Can I port my existing health insurance to PolicyNation?

Yes, under IRDAI guidelines, you can port your health insurance policy from one insurer to another without losing accrued benefits like waiting period credits and accumulated No Claim Bonus.

Are pre-existing diseases covered in health plans?

Yes, pre-existing diseases (such as hypertension, diabetes, asthma) are covered after a designated waiting period, typically ranging from 1 to 3 years depending on the plan and insurer.

What tax benefits can I claim under Section 80D?

Under Section 80D of the Income Tax Act, you can claim tax deductions up to ₹25,000 for self, spouse, and children (or up to ₹50,000 if senior citizens). You can claim an additional deduction up to ₹50,000 for senior citizen parents, enabling total tax savings up to ₹1,00,000.

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that protects your family

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Cashless Network 14,000+ Hospitals

No Hidden Charges

24x7 Claims Assistance

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Why Choose PolicyNation?

Quick, hassle-free and transparent

Wide Range of Plans

Compare quotes from top IRDAI licensed health insurers in one click.

Best Price Guarantee

Find high-value medical cover with exclusive digital rates and maximum No Claim Bonus.

Cashless Everywhere

Get instant cashless admissions at 14,000+ accredited network hospitals pan-India.

24/7 Claim Assistance

Dedicated claims concierge to guide you from pre-auth submission to discharge.

Zero Hidden Charges

100% transparent pricing. What you see is what you pay directly to insurer.

Types of Health Insurance

Choose the right type of coverage that suits your needs

Individual Health Insurance

Complete protection for yourself

Cashless hospitalisation at 14,000+ hospitals
Pre & post-hospitalization medical coverage
No Claim Bonus up to 100% sum insured
Tax deduction up to ₹25,000 under Sec 80D
Annual complimentary health check-up

Family Floater Insurance

One plan covering entire family

Single sum insured shared by all family members
Maternity and newborn child benefits
More cost-effective than individual policies
Cashless claims across network hospitals
Tax saving up to ₹75,000 for family + parents

Senior Citizen Health Care

Tailored for parents aged 60+

Covers pre-existing illnesses with lower waiting period
Dedicated day-care & AYUSH therapy coverage
Higher sum insured options without room rent caps
Special tax rebate up to ₹50,000 under Sec 80D
Free telemedicine and doctor on call

Critical Illness Insurance

Lump-sum payout upon diagnosis

100% lump-sum payout on first diagnosis
Covers 36+ critical illnesses like cancer, stroke
Income replacement during prolonged recovery
Can be attached as rider or standalone policy
Worldwide medical treatment coverage

Super Top-up Health Plans

Boost coverage at low premium

High sum insured up to ₹1 Crore at minimal cost
Kicks in when aggregate claims exceed deductible
Works seamlessly with any existing employer/base policy
No pre-policy medical test up to 55 years
Restoration of sum insured on exhaustion

Add-on Covers

Enhance your policy with add-on covers

Maternity & Newborn Cover

Covers normal & C-section delivery expenses, pre & post-natal care, and vaccination for your newborn child.

Critical Illness Rider

Provides a lump-sum payout upon diagnosis of 36+ major illnesses like cancer, heart attack, and kidney failure.

Hospital Daily Cash

Receive a fixed daily allowance during each day of hospitalization to cover incidental non-medical expenses.

Consumables Cover

Covers expenses for medical consumables such as PPE kits, gloves, masks, surgical cotton, and oxygen masks.

AYUSH Treatment Cover

Full coverage for non-allopathic alternative medical therapies including Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

OPD & Dental Care

Reimburses outpatient expenses including doctor consultations, diagnostic tests, dental treatments, and prescribed pharmacy.

Our Simple Claims Process

Hassle-free claims in few simple steps

Step 1

Intimate Claim

Notify us or insurer
before/during admission

Step 2

Pre-Auth Form

Submit health card
& hospital pre-auth

Step 3

Claim Review

TPA / Insurer verifies
medical treatment

Step 4

Cashless
Hospitalization

Get treated without
paying out-of-pocket

Step 5

Bill Settlement

Insurer settles the bill
directly with hospital

Top Health Insurance Companies in India

Compare and buy from India's leading insurers

Claim Settlement Ratio98.8%

Cashless Hospitals14,000+

Claim Settlement Ratio98.1%

Cashless Hospitals12,500+

Claim Settlement Ratio95.6%

Cashless Hospitals11,000+

Claim Settlement Ratio94.7%

Cashless Hospitals10,000+

Claim Settlement Ratio98.0%

Cashless Hospitals12,000+

Frequently Asked Questions

Everything you need to know

A comprehensive health insurance policy covers hospital room rent, doctor consultation fees, nursing expenses, ICU charges, diagnostic tests, surgeries, day-care treatments, ambulance charges, and pre & post-hospitalization costs.

Healthcare Knowledge Hub

All You Need to Know About Health Insurance

Protecting your family against unexpected medical emergencies, rising hospitalization costs, and critical illnesses has never been easier.

Comprehensive coverage against hospitalization, daycare & AYUSH treatments

Direct cashless hospitalization at 14,000+ accredited network hospitals

Cumulative No Claim Bonus (NCB) up to 100% or 200% on sum insured

Exclusive tax deductions up to ₹1,00,000 under Section 80D

Instant digital issuance with zero physical documentation required

Still Have Questions About Health Insurance?

Our licensed insurance advisors are here to help you compare plans and find the right medical coverage.