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This is a standard product designed by the Insurance Regulatory & Development Authority of India (IRDAI)."}}}];var E=()=>i.createElement(u.A,{stylesClass:"healthinsurancePrTypeWrapper"},i.createElement(b.A,{topTitle:"The types of Health Insurance plans that you can take",topSubText:"As mentioned earlier, Health Insurance plans come in different variants. Hereâs a peek into the different kinds of Health Insurance plans that you can get on PhonePe:"}),i.createElement("div",{className:"healthinsurancePrType"},i.createElement(T.A,{cardData:L})));
1const z=["Medical expenses incurred before hospitalisation","Medical expenses incurred after being discharged","Ambulance costs","Daycare treatments that do not require 24-hour hospitalisation","COVID-19 hospitalisation","Modern and advanced treatments","Non-allopathic, alternative treatments that include Ayurveda, Unani, Siddha, and Homeopathy (AYUSH)",""],A=["Room rent","ICU room rent","Doctor's consultation fee","Surgeon's fee","Anaesthetist's fee","Nurse's fee","Cost of blood, medicines, diagnostic tests, oxygen, etc.","",""];var S=()=>i.createElement(g,{className:"healthcoverage",title:"Coverage under Health Insurance policies",description:"Indemnity-based health plans cover the actual medical bills that you incur in a medical emergency. Here are the basic medical expenses that are covered under basic indemnity-based Health Insurance plans:"},i.createElement("div",{className:"healthcoverage__content"},i.createElement("div",{className:"healthcoverage__content__mainContent"},i.createElement("ul",null,z.map((e,t)=>i.createElement("li",{key:""+(t+1)},e)))),i.createElement("div",{className:"healthcoverage__content__mainhospiContent"},i.createElement("h4",null,"Inpatient hospitalisation that includes:"),i.createElement("ul",null,A.map((e,t)=>i.createElement("li",{key:""+(t+1)},e))))));const v=["Illnesses or injuries suffered due to war or nuclear radiation","Cosmetic treatments are not covered under Health Insurance","Congenital disabilities are not covered under Health Insurance","Experimental and unproven treatments","Maternity-related expenses, unless specifically covered","Sexually transmitted illnesses and venereal diseases ","Injuries and illnesses suffered due to participation in criminal or hazardous activities","Treatments for alcohol or drug addiction"];var w=()=>i.createElement(g,{className:"healthnocoverage",title:"What don't Health Insurance plans cover?",description:"Despite the broad scope of coverage, there are certain instances that health plans don't cover. Such models are called policy exclusions. Standard exclusions include the following:"},i.createElement("div",{className:"healthnocoverage__content"},i.createElement("ul",null,v.map((e,t)=>i.createElement("li",{key:""+(t+1)},e)))));const x=[{MTDTitle:"Initial waiting period",MDTContent:"An initial waiting period of 30-60 days from the date of getting the policy"},{MTDTitle:"Specific illnesses",MDTContent:"Waiting period for specific illnesses like hernia, fistula, tonsillectomy, cataract, etc."},{MTDTitle:"Maternity cover",MDTContent:"Waiting period for maternity cover"}];var f=()=>i.createElement(g,{className:"healthwaitingperiod",title:"The concept of the waiting period in Health Insurance"},i.createElement("div",{className:"healthwaitingperiod__content"},i.createElement("p",null,"Almost every Health Insurance policy has a waiting period clause. A waiting period is a period when you donât get coverage. Once the waiting period is over, coverage is allowed.",i.createElement("br",null),i.createElement("br",null),"The waiting period is applicable in several instances. The most important one is the waiting period for pre-existing illness. If you have any illness when taking an insurance policy, like diabetes or hypertension, medical complications from such illnesses would be covered after the waiting period.",i.createElement("br",null),i.createElement("br",null),"Other waiting periods that you would find would be:"),i.createElement("div",{className:"healthwaitingperiod__content__mainContent"},x.map(e=>{let{MTDTitle:t,MDTContent:a}=e;return i.createElement("div",{key:t},i.createElement("h3",{className:"healthwaitingperiod__content__mainContent__header"},t),i.createElement("div",{className:"healthwaitingperiod__content__mainContent__cardContent"},i.createElement("p",null,a)))}))));const C=[{MTDTitle:"For senior citizens",MDTContent:"If you are a senior citizen, i.e., aged 60 years and above, the deduction limit increases to Rs. 50,000"},{MTDTitle:"For parents",MDTContent:"If you take a health plan for your parents, you can claim an additional deduction of Rs. 25,000."},{MTDTitle:"For parents who are seniors",MDTContent:"If your parents are senior citizens, the deduction limit increases to Rs. 50,000."}];var P=()=>i.createElement(g,{className:"healthtaxbenefit",title:"Health Insurance and tax benefits",description:"Health plans give distinct tax advantages. The premium that you pay for the policy is allowed as a deduction from your taxable income. The deduction is available under Section 80D. The limit of deduction is as follows:"},i.createElement("div",{className:"healthtaxbenefit__content"},i.createElement("h4",null,"For spouse and dependents"),i.createElement("h5",null,"If you take a policy for yourself, your spouse, and dependent children, the deduction is Rs. 25,000 if you are below 60 years of age."),i.createElement("div",{className:"healthtaxbenefit__content__mainContent"},C.map(e=>{let{MTDTitle:t,MDTContent:a}=e;return i.createElement("div",{key:t},i.createElement("h3",{className:"healthtaxbenefit__content__mainContent__header"},t),i.createElement("div",{className:"healthtaxbenefit__content__mainContent__cardContent"},i.createElement("p",null,a)))})),i.createElement("p",null,"So, you can claim a deduction of up to Rs.75,000* through medical insurance premiums if you take insurance policy for yourself and your parents, and both of them are senior citizens.",i.createElement("br",null),i.createElement("br",null),"*Tax benefits are subject to change in tax laws")));const Z=[{MTDTitle:"Age",MDTContent:"The older you are, the higher would be the premium and vice-versa.",MDTImageIcon:"data:image/svg+xml;base64,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
1MpIiBzdHJva2U9InVybCgjYSkiIHN0cm9rZS13aWR0aD0iNC4wNjIiLz48cGF0aCBzdHJva2U9IiM3NkM4REUiIHN0cm9rZS13aWR0aD0iMy40NzQiIGQ9Ik0xOS4xOTcgMTIuMDk0djkuNjE0aDcuNTgiLz48L2c+PC9zdmc+"},{MTDTitle:"The sum insured",MDTContent:"The higher the sum insured that you choose, the higher would be the premium and vice-versa.",MDTImageIcon:N},{MTDTitle:"The number of members covered",MDTContent:"If you opt for floater coverage, the premium will increase for every family member that you cover under the policy.",MDTImageIcon:"data:image/svg+xml;base64,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"},{MTDTitle:"The scope of coverage",MDTContent:"Different health plans have a different scope of coverage. If the coverage is wide, the premium would be high. Alternatively, if the coverage is limited, the premiums would be low.",MDTImageIcon:"data:image/svg+xml;base64,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"},{MTDTitle:"The city in which you live",MDTContent:"Insurers also follow geography-based pricing wherein premiums are categorised for metro and non-metro cities. If you are living in a metropolitan or Tier 1 city, the premium would be high. If you live in a non-metro city or a town, the premium would be lower.",MDTImageIcon:"data:image/svg+xml;base64,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"},{MTDTitle:"The add-ons selected",MDTContent:"You can add coverage benefits to the policy by paying an additional premium. So, if you choose add-ons, the premium would increase. ",MDTImageIcon:"data:image/svg+xml;base64,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"},{MTDTitle:"The claim experience of the insurer",MDTContent:"Lastly, every insurance company fixes the premium of its insurance policy differently. The claim experience of the company determines the premium that it would charge. If the company has incurred a high amount of claims in a financial year, premiums would be higher in the next financial year and vice-versa.",MDTImageIcon:"data:image/svg+xml;base64,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
1NjEzIiBkPSJtMTIuMjkgMTguNjkgMy44NDQgNC40MzkgOS41NzYtOC4yNTgiLz48L2c+PC9zdmc+"},{}];var k=()=>i.createElement(u.A,null,i.createElement(g,{className:"healthinsurancepremfactors",title:"Factors affecting Health Insurance premiums",description:"Various factors affect your Health Insurance premium. Here are the factors that affect your Health Insurance premium:"},i.createElement("div",{className:"healthinsurancepremfactors__content"},i.createElement("div",{className:"healthinsurancepremfactors__content__container"},Z.map((e,t)=>{let{MTDTitle:a,MDTContent:n,MDTImageIcon:l}=e;return i.createElement(y,{className:"healthinsurancepremfactors__card",key:""+(t+1),icon:l,title:a,description:n})})),i.createElement(h.A,{MoreTextData:Z.slice(0,-1)}))));const H=[{MTDTitle:"Always opt for an optimal sum insured",MDTContent:"Always opt for an optimal sum insured. Medical costs have touched the roof, so you need a high sum insured to cover your medical bills sufficiently.",MTDImage:"data:image/svg+xml;base64,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"},{MTDTitle:"Parents to opt for an independent plan",MDTContent:"For parents, opt for an independent plan. Adding parents to the floater coverage would considerably increase the premium, and there might be coverage restrictions.",MTDImage:"data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMzMiIGhlaWdodD0iNDAiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+PGcgc3Ryb2tlPSIjN0E0OUFGIiBmaWxsPSJub25lIiBmaWxsLXJ1bGU9ImV2ZW5vZGQiIHN0cm9rZS1saW5lam9pbj0icm91bmQiPjxnIHN0cm9rZS13aWR0aD0iMyI+PHBhdGggZD0iTTIzLjM5OCAzOC4wOThINi42MThjLTIuNTUgMC00LjYxOC0yLjAzLTQuNjE4LTQuNTM1VjYuNTM0QzIgNC4wMyA0LjA2OCAyIDYuNjE4IDJoMTkuNzY0QzI4LjkzMiAyIDMxIDQuMDMgMzEgNi41MzR2MjQuNDk4bC03LjYwMiA3LjA2NloiLz48cGF0aCBkPSJNMjEuOTM4IDM5di04LjVjMC0uNzg4LjYxNC0xLjQyNyAxLjM3My0xLjQyN0gzMSIvPjwvZz48cGF0aCBzdHJva2Utd2lkdGg9IjIuNSIgc3Ryb2tlLWxpbmVjYXA9InJvdW5kIiBkPSJNOS43MyAxMi4yMzZoMTMuNDE3TTkuNzMgMTkuMjM2aDEzLjQxNyIvPjwvZz48L3N2Zz4="},{MTDTitle:"Look for the coverage benefits of the plan",MDTContent:"Look for the coverage benefits of the plan. Choose a plan that offers a comprehensive scope of coverage. Moreover, ensure that the coverage benefits suit your needs.",MTDImage:"data:image/svg+xml;base64,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"},{MTDTitle:"Always compare",MDTContent:"Always compare. Comparison helps you check the coverage benefits and choose a plan that offers the most inclusive scope of coverage at the most affordable premium.",MTDImage:"data:image/svg+xml;base64,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1id identity proof"),i.createElement("li",null,"A valid age proof"),i.createElement("li",null,"A valid address proof")),"At the time of a claim, however, you need to submit the following documents:",i.createElement("ul",null,i.createElement("li",null,"Filled and signed claim form"),i.createElement("li",null,"Doctorâs prescription recommending hospitalisation"),i.createElement("li",null,"All diagnostic test reports"),i.createElement("li",null,"All medical bills in original"),i.createElement("li",null,"All hospital records "),i.createElement("li",null,"A police FIR in the case of accidental injuries"),i.createElement("li",null,"Pre-authorisation claim form for cashless claims")),"Based on the verification of the documents, the claim would be settled.")),i.createElement("div",{label:"What is the age criteria to get Health Insurance?"},i.createElement("p",null,"You can get a ",i.createElement("b",null,"Health Insurance policy")," if you are 18 years or above. The maximum entry age is usually limited to 65 years. However, some plans do not have any capping on the maximum age to get the policy. Dependent children can be covered from 91 days onwards under a floater policy. However, if you want an individual sum insured for dependent children, the minimum age is usually 5 years.")),i.createElement("div",{label:"When should I make a Health Insurance claim?"},i.createElement("p",null,"You should make a ",i.createElement("b",null,"Health Insurance")," claim when you suffer an injury or an illness and require medical attention for the same. Also, check whether the illness or injury is covered under the plan for the claim to be successful.",i.createElement("br",null),"Moreover, make a claim as soon as the medical contingency happens. This would allow you to register your claim with the insurance company and seek guidance on the claim process.")),i.createElement("div",{label:"What is the sum insured in Health Insurance Plans?"},i.createElement("p",null,"The sum insured is the coverage level in a",i.createElement("b",null," Health Insurance policy"),". It is the maximum claim that the insurance company accepts to pay in a medical contingency. Every Health Insurance plan offers a minimum and maximum range of sum insured. You can choose the desired amount of sum insured based on your coverage needs.")),i.createElement("div",{label:"What are pre-existing diseases & conditions?"},i.createElement("p",null,"Pre-existing diseases and conditions are those illnesses or medical complications you have when getting the policy. Since such illnesses already exist, they are called pre-existing illnesses. For example, say you have diabetes. When you take a Health Insurance plan, your diabetes would be considered a pre-existing illness since you already have the ailment when taking the policy.")),i.createElement("div",{label:"How to port a Health Insurance policy?"},i.createElement("p",null,"To port your ",i.createElement("b",null,"Health Insurance policy"),", inform your existing insurer at least 45 to 60 days before the policy renewal date. You might have to fill up and submit a portability form. Then, you should inform the new insurer of your porting request and port to the new policy after completing the relevant formalities."))),i.createElement("div",{className:"healthinsurance-faq__footerContent"},i.createElement("p",null,"*Group Insurance on PhonePe app is available only for PhonePe users"))),F=a(3520);var X=()=>i.createElement(F.A,{relatedSearches:["Insurance","Motor Insurance","International Travel Insurance","Bike Insurance","Car Insurance","Travel Insurance","Health + Covid-19 Insurance","Life Insurance","Accident Insurance","Term Life Insurance"]}),K=a(64166),q=a(77528),$=a(52862);const ee={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"Does the health insurance policy cover COVID-19 treatment?",acceptedAnswer:{"@type":"Answer",text:"Yes, indemnity-oriented health insurance plans cover the medical costs you incur if you are hospitalised for COVID-19 treatment. Moreover, there are COVID-specific health plans too that you can get for coverage against COVID-19 treatments."}},{"@type":"Question",name:"How to compare health insurance plans?",acceptedA
1nswer:{"@type":"Answer",text:"There are various factors that you should check to compare health insurance plans. These factors include the coverage offered, the premium charged, the range of sum insured, discounts offered, the network of cashless hospitals, etc. Also, understand the type of health insurance policy you want and then compare similar plans against one another. You can compare health insurance plans online through the PhonePe app and get the most suitable policy."}},{"@type":"Question",name:"How to calculate health insurance premiums?",acceptedAnswer:{"@type":"Answer",text:"Health insurance companies offer online health insurance premium calculators. You can enter your details in the calculator to calculate the premium. The details include your age, number of family members to be covered, the coverage duration, sum insured, and history of pre-existing illness. Then, based on these details, the calculator would calculate the premium."}},{"@type":"Question",name:"What are the documents required for health insurance?",acceptedAnswer:{"@type":"Answer",text:"To get a health insurance policy, you would need to submit: A valid identity proof, A valid age proof and A valid address proof. At the time of a claim, however, you need to submit the following documents: Filled and signed claim form, Doctor's prescription recommending hospitalisation, All diagnostic test reports, All medical bills in original, All hospital records, A police FIR in the case of accidental injuries, Pre-authorisation claim form for cashless claims. Based on the verification of the documents, the claim would be settled."}},{"@type":"Question",name:"What is the age criteria to get health insurance?",acceptedAnswer:{"@type":"Answer",text:"You can get a health insurance policy if you are 18 years or above. The maximum entry age is usually limited to 65 years. However, some plans do not have any capping on the maximum age to get the policy. Dependent children can be covered from 91 days onwards under a floater policy. However, if you want an individual sum insured for dependent children, the minimum age is usually 5 years."}},{"@type":"Question",name:"When should I make a health insurance claim?",acceptedAnswer:{"@type":"Answer",text:"You should make a health insurance claim when you suffer an injury or an illness and require medical attention for the same. Also, check whether the illness or injury is covered under the plan for the claim to be successful. Moreover, make a claim as soon as the medical contingency happens. This would allow you to register your claim with the insurance company and seek guidance on the claim process."}},{"@type":"Question",name:"What is the sum insured in Health Insurance Plans?",acceptedAnswer:{"@type":"Answer",text:"The sum insured is the coverage level in a health insurance policy. It is the maximum claim that the insurance company accepts to pay in a medical contingency. Every health insurance plan offers a minimum and maximum range of sum insured. You can choose the desired amount of sum insured based on your coverage needs."}},{"@type":"Question",name:"What are pre-existing diseases & conditions?",acceptedAnswer:{"@type":"Answer",text:"Pre-existing diseases and conditions are those illnesses or medical complications you have when getting the policy. Since such illnesses already exist, they are called pre-existing illnesses. For example, say you have diabetes. When you take a health insurance plan, your diabetes would be considered a pre-existing illness since you already have the ailment when taking the policy."}},{"@type":"Question",name:"How to port a health insurance policy?",acceptedAnswer:{"@type":"Answer",text:"To port your health insurance policy, inform your existing insurer at least 45 to 60 days before the policy renewal date. 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