Types of Health Insurance

The best plan depends on your age, life stage, and budget. For individuals, a comprehensive individual health plan is ideal. For families, a family floater provides shared coverage for all members under one sum insured.

An individual plan covers only one person with a dedicated sum insured, whereas a family floater covers the entire family under a single shared sum insured. Family floaters are usually more cost-effective for families.

A top-up plan covers claims that exceed a pre-defined threshold (deductible) for a single hospitalization. A super top-up plan covers the aggregate of all hospitalizations in a policy year that cross the deductible limit.

Senior citizen health insurance plans are specifically designed for parents above 60, offering features like lower waiting periods for pre-existing diseases and copay waivers.

Yes. Mediclaim (health insurance) reimburses actual hospitalization expenses. Critical illness insurance pays a lump-sum amount upon diagnosis of a covered major disease (like cancer or stroke), which can be used for any purpose.

Yes, you can hold multiple health policies. In case of hospitalization, you can claim from one policy first, and get a certificate for any remaining amount to claim from the second policy.