Healthy Lifestyle And Why You Need To Get Health Insurance In India?

In this article, I am going to share some reasons for you to get health insurance in India.

India is one of the best countries in the world and when you visit any of the cities then you will feel the difference. It is one of the most developed countries in the world and the life standard is better than any other country.

The people of India have one of the highest life expectancy and the quality of the life is much better than any other country.

The lifestyle of India is different and not like the lifestyle in western countries. Here the life is much simpler and the people are much more religious and faith in god.

Here the people believe that god has created everything and he is responsible for everything.

So, when you go to any of the states of India then you will feel the difference. There is a huge difference between the lifestyle of the people of India and the lifestyle of western countries.

Health care is the first priority for every Indian and they spend a good amount of money for the health. The people of India don’t like to suffer from illness and they are always ready to spend money for the treatment.

They are very much conscious about their health and health is the first priority for every Indian.

If you have a health problem then you can easily go to any of the hospitals and you will get the best medical treatment. The hospitals are well equipped with latest technology and they are fully equipped to provide you with the best treatment.

If you have any problem then you can get it treated by visiting a doctor. If you have any chronic disease then you can easily get it cured in just a few days. So, you will never have to worry about your health as you are covered under any health insurance.

In India, the concept of life insurance is quite popular and the insurance companies have a good network of agents and the policy holders. So, you can easily get an insurance policy from any of the company and you will get a good discount on the premium as compared to the market rate.

It is must to have HEALTH INSURANCE in current situation and lifestyle. Everybody is running to fulfil his family need and working day and night. Now, in this situation it is important to be stress free to meet the family needs.

At least we should have an AFFORDABLE HEALTH INSURANCE that covers our family lifelong. CASHLESS HEALTH INSURANCE is recommended with no capping or sub-limits on hospital room rent or major surgeries.

Nowadays there are policies with RESTORE BENEFIT/UNLIMITED RESTORE BENEFIT that can be used in case the basic SUM INSURED is exhausted. The policy protects our hard earned savings in case of any unforeseen medical emergency.

Some add-ons are available for extra benefits like DAILY CASH BACK, UNLIMITED RESTORE, INDIVIDUAL PERSONAL ACCIDENT and riders for non-payables.

Points to be considered before Buying HEALTH INSURANCE:

  1. Always buy policy from an Authorized ADVISOR who is experienced and have proper Knowledge.
  2. 100% CASHLESS HEALTH INSURANCE is advisable and the company should have wider coverage of NETWORK HOSPITALS.
  3. The Advisor should be easily contactable and supports at the time of need like CLAIMS, RENEWAL or any policy related services.
  4. The company should have a wide coverage of NETWORK HOSPITALS. The Advisor should be easily contactable and supports at the time of need like CLAIMS, RENEWAL or any policy related services.

What is the difference between Health Insurance and Health Insurance in India?

The two are very similar, but the only difference between the two is that Health Insurance in India is provided by the government whereas Health Insurance is provided by private insurance companies. Both the insurance policies cover the same things, but the process of claiming and paying the claims differ.

The Health Insurance in India is a kind of coverage which is provided by the government or private insurance companies to those people who are unable to afford medical bills due to some serious illness. There are various types of health insurance, like hospitalization, preventive care, critical care, and maternity care.

The health insurance covers the cost of hospitalization and also includes the treatment. This is why health insurance is necessary for all people because it covers the expenses in case of emergency.

Who is covered under Health Insurance in India?

Health Insurance in India is provided by the government to the poor and middle class families because it helps them to save money for the future. Government provides this type of insurance to the parents of children studying in the government schools and also to the employees of government organizations.

All the people, who are working for the government and are earning a minimum of INR 10,000 per month are eligible for this type of insurance. If you are earning less than this amount, then you cannot avail this insurance.

How to avail Health Insurance in India?

To avail this type of insurance you need to fill a form online and submit it to the nearest branch of the insurance company. They will provide you a health insurance card.

You need to attach this card along with your PAN card and Aadhaar card. Once you have completed all the formalities, then you can start availing this insurance.

How to claim Health Insurance in India?

You need to visit the nearest hospital and fill a form for the treatment. You need to attach your health insurance card along with the original receipts. After submitting the form, the hospital will send a claim to the health insurance company. Once the claim is approved, then you can get the payment.

What are the advantages of getting Health Insurance in India?

There are a lot of benefits of getting Health Insurance in India. It covers the hospitalization expenses, Here are the top 3 benefits –

  1. It covers the hospitalization expenses in case of an accident or illness.
  2. It offers protection in case of a health emergency.
  3. It can be used to cover the costs of medical treatments and surgeries.


In conclusion, these are the major reasons for you to get health insurance in India. You will feel the difference when you visit any of the states of India. So, don’t wait for the time to buy a health insurance in India.

We at are working for the past 30 years for INSURANCE sector. The owner MR. Shammi Malhotra is having a long experience in this field and working as Intermediary with some of the leading Insurance Companies.

Susmita Mustafi

Sales Manager –

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