Health insurance helps reduce the financial impact of hospitalisation and eligible medical expenses. Coverage requirements depend on age, family size, health profile, location, existing coverage and expected healthcare costs.
For example, if a hospitalisation expense is ₹5 lakh and an eligible policy covers ₹4 lakh after applicable deductibles and exclusions, the remaining ₹1 lakh may need to be funded by the policyholder.
Premiums paid for eligible health insurance policies may qualify for deductions under Section 80D, subject to applicable conditions and limits. Depending on age and the taxpayer's circumstances, the deduction limits can vary, so the current Income Tax rules should be checked before claiming a deduction.
Health insurance products operate under the applicable IRDAI regulatory framework and are subject to policy-specific waiting periods, exclusions, sub-limits, deductibles and claim conditions.
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Coverage, exclusions, claim benefits and tax treatment are subject to applicable policy terms and prevailing regulations.
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