We just don’t insure your Health. We care for it too.

BUY Health Insurance in 3 EASY Ways

Benefits of Health Insurance

Cashless Facility

In case of hospitalization of the policyholder, the insurer settles the bill directly with the hospital.

Tax Benefits

Every insurance policyholder enjoys tax benefits for the premiums paid towards the plan.

Lifelong renewability

The policyholders are offered with a lifelong renewability option after every policy term.

24x7 customer care support

Most health insurance companies provide 24/7 customer service support to answer all health-related doubts.

Popular Health Insurance Companies

Type of health insurance plans

Individual Health Insurance Plan

Senior Citizen Health Insurance Plan

Personal Accident Insurance Plans

Critical Illness Insurance Plan

Maternity Health Insurance Plans

Group Health Insurance Plans

Reviews

Good Review From Happy Customers

I purchase a health policy through dealmoney...must say both the people who interacted with me are highly efficient, prompt, helpful. I am completely satisfied with their support and look forward to putting in a good word for the team.

Srinivas M Dikonda

My entire interaction with Dealmoney Insurance’s customer service team was amazing! The executive I spoke to spent a lot of time explaining all the benefits of the health insurance policy to me, including renewability feature. A 5-star experience!

Sonal Pandey

Purchasing a health insurance policy from Dealmoney Insurance was super easy, all thanks to the help of the excellent customer care team. The representative I spoke with explained all the benefits to me, especially the family floater benefit. Team is efficient and good.

Anita Patil

I would like to say thank you for the satisfactory services from Dealmoney Insurance. I also would like to appreciate your service, support and guidance to settle the claim in time, your staff also is well mannered and supportive. Thank you once again.

Gautam Mayekar

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FAQ

Frequently Ask Questions

What is health insurance?

The term Health Insurance is a type of insurance that covers your medical expenses. A Health Insurance policy is a contract between an insurer and an individual /group in which the insurer agrees to provide specified Health Insurance cover at a particular "premium".

The commonest form of Health Insurance policies in India covers the expenses incurred on Hospitalization, though a variety of products are now available which offer a range of health covers, depending on the need and choice of the insured. The health insurer usually provides either direct payment to the hospital (cashless facility) or reimburses the expenses associated with illnesses and injuries or disburses a fixed benefit on the occurrence of an illness.

Buying Health Insurance protects us from the sudden, unexpected costs of hospitalization (or other covered health events, like critical illnesses)

While these high treatment expenses may be beyond the reach of many, taking the security of Health Insurance is much more affordable.

Health Insurance policies are available from a sum insured of Rs 5000 in micro-insurance policies to even a sum insured of Rs 50 lakhs or more in certain critical illness plans. Most insurers offer policies between 1 lakh to 10 lakh sum insured.

As the room rents and other expenses payable by insurers are increasingly being linked to the sum insured opted for, it is advisable to take adequate cover from an early age, particularly because it may not be easy to increase the sum insured after a claim occurs.

Insurance companies have tie-up arrangements with several hospitals all over the country as part of their network. Under a Health Insurance policy offering the cashless facility, a policyholder can take treatment in any of the network hospitals without having to pay the hospital bills as the payment is made to the hospital directly by the Third Party Administrator, on behalf of the insurance company.

Any person who has purchased Health Insurance policy by any payment mode other than cash can avail of an annual deduction of Rs. 25000 from their taxable income for the payment of Health Insurance premium for self, spouse and dependent children.

If an Individual purchases Health Insurance for parents, then he can avail of an annual deduction of Rs. 25000/- from his/her taxable income.

Further additional annual deduction of Rs. 5000/- can be availed if the Parents are Senior Citizen i.e. Age of Parents is above 60 years at the time of the purchase of Health Insurance.

Age is a major factor that determines the premium, the older you are the premium cost will be higher because you are more prone to illnesses. Previous medical history is another major factor that determines the premium. If no prior medical history exists, the premium will automatically be lower.

You must read the policy and understand what is not covered under it. Generally, pre-existing diseases (read the policy to understand what a pre-existing disease is defined as) are excluded under a Health Insurance policy. Further, the policy would generally exclude certain diseases from the first year of coverage and also impose a waiting period.

There would also be certain standard exclusions such as cost of spectacles, contact lenses and hearing aids not being covered, dental treatment/surgery( unless requiring hospitalization) not being covered, intentional self-injury, use of intoxicating drugs/alcohol, AIDS, expenses for diagnosis, x-ray or laboratory tests not consistent with the disease requiring hospitalization.

Yes. When you get a new policy, generally, there will be a 30 days waiting period starting from the policy inception date, during which period any hospitalization charges will not be payable by the insurance companies.

It is a medical condition/disease that existed before you obtained Health Insurance policy, and it is significant because the insurance companies do not cover such pre-existing conditions, within 48 months before the 1st policy.

It means pre-existing conditions can be considered for payment after completion of 48 months of continuous insurance cover

The policy will be renewable provided you pay the premium within 15 days (called Grace Period) of the expiry date.

However, coverage would not be available for the period for which no premium is received by the insurance company. The policy will lapse if the premium is not paid within the grace period