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+91 98110 68297, +91 98736 88297
support@activebima.com
Follow the Activebimacare channel
on WhatsApp
Ballabgarh, Faridabad (Haryana) - 121004
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Health Insurance

Health is uncertain, but your family’s well-being doesn’t have to be.
A health insurance plan protects your loved ones from the rising cost of medical care and unexpected hospital bills. It ensures quality treatment without financial stress, covering everything from doctor visits to major surgeries. In your absence or presence, it offers security, dignity, and peace of mind. Investing in health insurance today is a wise step to shield your family’s health and savings—because nothing matters more than their care and comfort.

Health Insurance Protection Section
Happy Family

Protect Your Family’s Health

Health is unpredictable, but financial stress doesn't have to be. A health insurance plan ensures your family receives quality medical care without the burden of rising treatment costs. It covers hospital bills, doctor visits, and critical care when needed most.

Health insurance provides peace of mind and safeguards your savings during medical emergencies. It offers financial stability, encourages preventive care, and supports your family’s well-being through every stage of life. Invest today in a plan that protects both health and happiness.

Speak with an Agent







    Health Insurance Protection - Mobile View
    Health Insurance

    Protect Your Family’s Health

    Health is unpredictable, but financial stress doesn't have to be. A health insurance plan ensures your family receives quality medical care without the burden of rising treatment costs. It covers hospital bills, doctor visits, and critical care when needed most.

    Health insurance provides peace of mind and safeguards your savings during medical emergencies. It offers financial stability, encourages preventive care, and supports your family’s well-being through every stage of life. Invest today in a plan that protects both health and happiness.

    Speak with an Agent







      Benefits of Health Insurance

      Benefits of Health Insurance

      Health insurance gives you financial protection and peace of mind when medical emergencies strike.

      Covers Hospital Expenses
      Take care of medical bills including room rent, surgeries, and specialist consultations during hospitalization.
      Pre & Post Hospitalization
      Expenses like diagnostics, medicines, and doctor visits before and after hospital stay are covered.
      Cashless Treatments
      Get treated in a wide network of hospitals without paying upfront, thanks to cashless claim facility.
      Family Coverage
      Secure health coverage for spouse, children, and parents under a single affordable policy.
      Critical Illness Cover
      Optional add-ons offer coverage for serious illnesses like cancer, kidney failure, and heart attack.
      Tax Savings
      Enjoy tax deductions under Section 80D of the Income Tax Act on premiums paid for health insurance.
      Types of Health Insurance

      Types of Health Insurance

      Choose from a range of health insurance options tailored to protect you and your family’s health and savings.

      Individual Health Plan
      Covers a single person’s medical expenses including hospitalization, treatments, and surgeries.
      Family Floater Plan
      One policy covers all family members, sharing a single sum insured across them.
      Critical Illness Insurance
      Offers lump sum benefits on diagnosis of severe illnesses like cancer or heart attack.
      Senior Citizen Plan
      Customized for elderly individuals with coverage for age-related health conditions and treatments.
      Top-Up Health Plan
      Offers additional coverage beyond your base plan at a lower premium for large claims.
      Travel Health Insurance
      Protects against medical emergencies and hospital costs when you’re traveling abroad.
      Health Insurance FAQ

      Health Insurance FAQs

      Health insurance is vital for safeguarding your finances against rising medical costs. Here, we answer some of the most common questions to help you understand it better.

      1. Basics of Health Insurance
      Q1: What is health insurance?
      Health insurance is a contract where an insurer agrees to pay for medical and surgical expenses incurred by the insured person in case of illness, injury, or other medical emergencies, in exchange for regular premium payments.
      Q2: Why is health insurance important in India?
      Medical inflation in India is significant, and healthcare costs can quickly deplete your savings. Health insurance ensures access to quality medical care without financial stress.
      Q3: What is "Sum Insured"?
      The Sum Insured is the maximum amount your insurer will pay during the policy year for medical expenses.
      Q4: What is a "Premium"?
      A premium is the payment you make to the insurance company to keep the policy active.
      Q5: Who can be covered under a health insurance policy?
      Self, spouse, dependent children, and parents. Some plans include in-laws or siblings.
      2. Types of Health Insurance Plans
      Q6: What are the different types of health insurance plans in India?
      Individual, Family Floater, Senior Citizen, Critical Illness, Maternity, Top-Up & Super Top-Up, Group Health Insurance.
      Q7: Which is better: Individual or Family Floater?
      Family Floater is cost-effective for small families. Individual plans are better for larger families or specific needs.
      3. Coverage and Exclusions
      Q8: What does a typical policy cover?
      Hospitalization, pre/post-hospitalization, daycare, ambulance, organ donor, domiciliary, AYUSH treatments.
      Q9: What are common exclusions?
      Cosmetic surgeries, dental (non-accident), injuries from self-harm, outside India treatments, war-related injuries, etc.
      Q10: What is a "waiting period"?
      Duration post-policy start when certain treatments aren’t covered. Types: Initial, Specific Disease, Pre-existing, Maternity.
      Q11: What are "Pre-Existing Diseases"?
      Conditions diagnosed or treated in the 48 months before buying the policy. Coverage starts after the waiting period.
      Q12: What is "Cashless Hospitalisation"?
      The insurer directly settles hospital bills at network hospitals.
      Q13: What is "Reimbursement Claim"?
      You pay first and claim later with documents like bills, reports, discharge summary.
      Q14: What is a "Co-payment" clause?
      A fixed % of the bill borne by the insured. Lowers premium but increases out-of-pocket expense.
      Q15: What are "Sub-limits"?
      Caps on room rent, specific treatments or services under the policy.
      4. Buying and Renewing a Policy
      Q16: How is premium calculated?
      Based on age, location, sum insured, medical history, plan type, add-ons, co-pay clauses.
      Q17: Is a medical check-up needed?
      Sometimes. Required for older applicants or higher coverages.
      Q18: What is "Portability"?
      Switching insurers without losing accumulated benefits or waiting period credits.
      Q19: What is "No Claim Bonus (NCB)"?
      Reward for not claiming in a year. Either increased cover or premium discount.
      Q20: Can policy be renewed lifelong?
      Yes, most modern policies in India allow lifetime renewal.
      5. Claims Process & Tax Benefits
      Q21: Documents needed for a claim?
      Claim form, hospital bills, discharge summary, prescriptions, diagnostic reports, FIR (if accident), ID proof.
      Q22: Claim settlement duration?
      Cashless: few hours. Reimbursement: within 30 days post-document submission.
      Q23: Are premiums tax-deductible?
      Yes. Under Sec 80D: ₹25k (self+family), ₹25k (parents), ₹50k (senior citizens). Max ₹1 lakh if both are seniors.

      Documents Required

      • Age Proof: Birth Certificate, Marksheet, Driving License, Passport
      • Identity Proof: Aadhar, PAN, Passport, Voter ID
      • Address Proof: Utility Bills, Ration Card, Driving License
      • Income Proof: Salary slip, IT returns, or income certificate
      • Proposal Form: Duly filled and signed proposal form
      • Medical Tests: Required by some companies to check overall health condition
      Tax Deduction Info

      Health Insurance Tax Deductions

      For Self, Spouse & Dependent Children: Deduction up to ₹25,000
      For Parents (Non-Senior Citizens): Additional deduction up to ₹25,000
      For Parents (Senior Citizens 60+): Additional deduction up to ₹50,000
      If both you & your parents are senior citizens: Max deduction of ₹1,00,000
      Connect With Experts

      Connect With Experts

      For further clarification or to choose the right health insurance plan for your needs, please feel free to connect with our experts.