Health Insurance

Protect yourself and your family from unexpected medical expenses with the right health cover.

Start with the Basics

What is Health Insurance and Why It’s Essential

Health insurance provides financial coverage for medical expenses arising from illness, accidents, or hospitalization. It ensures that you and your loved ones receive timely care without worrying about the cost.

From doctor visits and diagnostic tests to surgeries and post-treatment recovery, health insurance covers a wide range of medical needs. With the ease of online policies, buying, renewing, or upgrading your health plan is now simple and secure.

Smarter Way to Get Insured

Why Buy Health Insurance Online?

Instant Access to Plans

Browse and compare health plans from top insurers anytime, without visiting an office.

Zero Paperwork

Submit documents digitally and manage your entire policy online with ease.

Better Pricing & Offers

Get exclusive online deals and premiums tailored to your health and age.

A Safety Net You Can Count On

Why Health Insurance is a Must-Have

01

Rising Medical Costs

Health care expenses are increasing every year. Insurance helps you stay financially prepared.

02

Hospitalization Coverage

Covers room rent, ICU charges, surgeries, and other inpatient costs.

03

Cashless Treatment

Get treated at network hospitals without paying upfront.

04

Pre & Post Hospitalization Benefits

Covers medical tests and recovery costs before and after hospital admission.

05

Family Floater Options

One policy can protect your entire family under a single sum insured.

06

Tax Savings

Premiums paid for health insurance are eligible for tax benefits under Section 80D.

Choose What Fits You Best

Different Types of Health Insurance Plans

Individual Health Insurance

Provides coverage for a single individual, based on their age and medical history.

Family Floater Health Plan

Offers a shared sum insured for the entire family under one policy.

Critical Illness Insurance

Lump-sum pay-out on diagnosis of life-threatening illnesses like cancer or heart disease.

Your Health, Our Priority

Why Upsure is the Right Choice for Health Insurance

Compare Leading Health Plans

Explore multiple policies from trusted insurers, all in one place.

Tailored Recommendations

We help you find a plan based on age, coverage needs, and budget.

100% Online Process

Buy or renew your health plan in just a few clicks.

Expert Support

Need help? Our advisors guide you through every step of the process.

Transparent Pricing

What you see is what you pay — no hidden charges.

Claim Assistance

We stay with you even after purchase to help manage claims smoothly.

Don’t Choose Blindly

Why Comparing Health Insurance Makes a Difference

Comparing policies gives you clarity on what’s covered, what’s excluded, and which insurer offers the best deal for your needs. It helps you avoid underinsurance and ensures you get the best value.

Wider Coverage Options

Select plans that cover maternity, day-care procedures, or alternative treatments.

Save on Premiums

Find affordable plans with similar or better features.

Understand Policy Terms Clearly

Know co-payments, waiting periods, and sub-limits in advance.

Choose the Right Add-ons

Pick from OPD cover, room rent waiver, or health check-ups.

Just Three Steps

Buy or Renew Your Health Plan Online in Minutes

01

Enter Your Details

Provide your age, family members to be covered, and basic health info.

02

Compare & Select

View quotes, benefits, hospital network, and exclusions before selecting.

03

Pay & Get Instant Policy

Make a secure payment and receive your e-policy immediately.

Keep These Ready

Documents Required for Health Insurance

Identity Proof

Aadhar card, PAN card, or passport for personal verification.

Address Proof

Recent utility bills, Aadhar, or government ID with address.

Medical History (if required)

Some plans may ask for pre-policy check-ups based on age or health condition.

Support When You Need It Most

How to File Your Health Insurance Claim

1

Inform the Insurer or TPA

Intimate the insurance company before or during hospitalization.

2

Submit Required Documents

Discharge summary, bills, prescriptions, and policy details may be needed.

3

Claim Process & Settlement

Depending on your plan, it may be settled as cashless or reimbursed post discharge.

Answers You Can Trust

Frequently Asked Questions

No, it is not mandatory by law, but it is highly recommended. With rising healthcare costs, a single hospitalization can drain your savings. Having health insurance ensures financial security during medical emergencies, access to quality treatment, and peace of mind for you and your family.

A standard health policy covers hospitalization expenses, surgeries, ICU charges, room rent, pre and post-hospitalization care, day-care procedures, and ambulance fees. Depending on the plan, some may also offer maternity cover, annual health checkups, or alternative treatments like AYUSH.

Yes, most insurers offer family floater plans that include parents. However, if your parents are senior citizens, it may be more beneficial to opt for a dedicated senior citizen health plan that offers higher coverage and fewer restrictions on pre-existing conditions.

A waiting period is the time during which certain claims cannot be made after policy purchase. Most policies have a 30-day initial waiting period and 2–4 years for pre-existing conditions. Always check specific waiting periods in your chosen policy before buying.

Cashless hospitalization is available only at network hospitals of the insurer. You can check the list of network hospitals before choosing a plan. If you get treated at a non-network hospital, you may have to pay upfront and get reimbursed later by filing a claim.

Renewing your health insurance is easy and can be done online. Just enter your policy number or mobile number, review the existing coverage, make any necessary changes, and complete the payment. Timely renewal ensures uninterrupted coverage and preserves your no-claim benefits.

If you miss the renewal date, you usually get a grace period of 15–30 days. During this time, you can renew without losing continuity benefits. If the grace period is missed too, the policy lapses, and you lose accumulated benefits like waiting period credits and no-claim bonus.

It depends on your age and the sum insured. Many insurers do not require health check-ups for younger applicants or lower coverage amounts. However, if you’re above 45 or opting for high-value coverage, a basic medical screening might be required before policy issuance.

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Upsure Insurance Brokers Pvt. Ltd., IRDAI Broker code - IRDAI / DB 958 / 2022, Valid Till date - 25 / 06 / 2026, Licence Number-899, CIN No.: U67200UP2022PTC164788, Principal officer name: Ankush Jain,
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