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Health Insurance

Health Insurance plans insure you against unexpected medical emergencies and keep your family’s financial stable during a testing time. Keeping in mind rising medical costs and spurt of diseases, buying a health insurance is mandatory. A medical emergency can knock on anyone’s door and impact a person both emotionally and financially. Thus, it is prudent to buy a health insurance plan early in life.

Disclaimer: Tata Capital Limited (“TCL”) bearing License no. CA0896 valid till 21-Jan-2027, acts as a Composite Corporate Agent for TATA AIA Life Insurance Company Limited, HDFC Life Insurance Company Limited, BAJAJ Allianz Life Insurance Company Limited, Kotak Mahindra Life Insurance Company limited, TATA AIG General Insurance Company Limited, IFFCO Tokio General Insurance Company Limited & Star Health and Allied Insurance Co Ltd. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms & conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013

Types of Health Insurance

There are various kinds of health insurance policies and it is extremely important to understand them all beforehand.

This policy covers the surgical and hospitalisation expenses of an individual, singly. Premium is paid based on the age, past medical records and pre-existing disease(s) of the individual only.

Popularly known as the family floater health insurance policy, this policy covers the surgical and hospitalisation expenses of the entire family. For the purpose of a family health insurance policy, a family is defined as the individual, their spouse and their children only.

The premium paid covers every family member and the insurance limit can be used for any of the family members in a given year. Premiums are determined based on the age of the eldest member in the group, the health history of all members being covered and pre-existing diseases, if any, at the time of first taking the insurance policy.

This type of health insurance is provided by organisations to their employees and may also be extended to the family members of the employees, depending upon the organisation internal policies. This health insurance policy works in a similar manner as an individual health insurance policy or a family health insurance policy (depending on who all are covered by the same) with the major difference being that the premium is paid by the employer, and the policy benefits end in case the individual leaves the organisation.

Under this policy, the policyholder is provided with a large lump sum figure, in case of being diagnosed with a life-threatening disease. The list of such illnesses is shared at the time of purchase of the policy and is restricted to the same. The objective of this policy is to help the policyholder pay for expensive treatments, which are generally linked to these critical illnesses and to replace their income during the long associated treatment periods.

Companies often health insurance policies to senior citizens as well. As people above a certain age are more susceptible to illnesses, the premium being paid here is generally higher.

Why should one buy health insurance?

Everyone aims to be fit and healthy all the time, but we never know when a medical emergency or a medical need may arise in today’s times. The rising cost of medical treatment should not be a deterrent in procuring the best medical care that we can procure for ourselves and our loved ones. Providing the best possible medical care can cause a severe strain on our financial position, and hence on our quality of life. A health insurance policy helps us insure against such eventualities. By obtaining a health insurance policy, we pay a certain premium to the insurance company, in exchange for which, they assure us of covering our hospitalisation and treatment expenses up to a pre-agreed sum.

Note* The features above may or may not reflect in the plans sourced by our corporate agents. Please check our plans and their features to know more.

Who can get health Insurance?

The eligibility criteria depends upon the insurers T&C’s. Factors like age, pre - existing diseases and pre-medical screening are considered while evaluating.

Eligibility for health insurance

Age for adults: 18-65 years

Age for children: 90 days – 25 years

Pre-medical screenings: Depends on the insurer

Pre-existing disease – Waiting period of at least 2 years depending on the insurer

How to apply?

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Why should one buy health insurance?