Hospital bills are huge
A single hospital stay can cost a few lakh rupees. One serious illness can wipe out years of savings. Insurance pays the big bills so your money stays yours.
Health Insurance
Health Insurance, Made Simple
Compare plans for you, your family and your parents — with cashless hospitalisation, tax savings and a free expert advisor.
- 💳 Cashless Hospitalisation
- 🏥 10,000+ Hospitals
- 💰 Tax Savings 80D
- 🧑💼 Free Advisor
- ⚡ Quick Claims
🛡️
What is health insurance, really?
It’s simple: you pay a small amount every year, and in return the insurance company pays your big hospital bills if you fall sick or have an accident. Think of it as a safety net for your savings — so one illness doesn’t cost you years of hard-earned money. You get treated; they handle the bill.
Why a health plan matters
Four down-to-earth reasons people get covered.
Treatment gets costlier every year
The cost of medical care in India is rising fast — faster than normal prices. What costs ₹2 lakh today may cost much more in a few years. A policy locks in your protection now.
Illness can hit anyone, anytime
Diabetes, heart trouble, even an accident — these don’t wait for a “good time”. Cover keeps you ready instead of scrambling for money during an emergency.
You save tax too
The premium you pay can reduce your income tax under Section 80D. So you protect your family and lower your tax bill in the same step.
Choose the Right Cover
Plans for every need and life stage. Sample plans for layout preview.
👤
For just you
Covers one person — you. Great when you’re single or want your own separate cover.
- Pick cover from ₹5 lakh upward
- Cashless at partner hospitals
- Bonus cover for claim-free years
- Same-day procedures included
👨👩👧
For the whole family
One plan covering you, your spouse, kids — and parents too. Usually the best value.
- One shared cover for everyone
- Add spouse, kids & parents
- Pregnancy cover as an add-on
- Free yearly health check-up
👴
For parents & seniors
Built for elders aged 60+, with the conditions that come with age in mind.
- No upper age limit to join
- Existing illnesses covered (after a wait)
- Treatment at home if needed
- A team to help at claim time
🛡️
For a major illness
Pays a one-time lump sum if you’re diagnosed with a serious illness — use it any way you need.
- Covers cancer, heart, kidney & more
- Lump sum paid on diagnosis
- Replaces lost income
- Saves tax under 80D
🏥
Top up your cover
Already have a small or office plan? Add more cover for a much lower price.
- Extra cover, low premium
- Kicks in above your existing cover
- Can cover the family too
- Perfect alongside office insurance
🦷
Everyday care
For the small stuff too — doctor visits, tests and medicines, not just hospital stays.
- Doctor consultations
- Lab tests
- Pharmacy benefits
- Yearly wellness check
Why Buy Insurance on eClinicPro?
💳
Cashless Hospitalisation
🏥
10,000+ Network Hospitals
⚡
Quick Claim Settlement
🧑💼
Free Expert Advisor
💰
Tax Savings u/s 80D
🔄
Easy Online Renewals
📄
Transparent — No Hidden Terms
📞
Support When You Claim
How It Works
From quote to cover in four simple steps.
1
📝
Share a Few Details
Age, members to cover and your city.
2
🔍
Compare Plans
See matched plans, premiums and benefits side by side.
3
🧑💼
Talk to an Advisor
Free guidance — pick the right cover, no pressure.
4
✅
Get Covered
Buy online and get your policy instantly.
Which plan suits you?
A quick guide by life stage — with a rough cover amount to aim for.
🧑
Young & single (20s–30s)
Aim for ₹10–15 lakh cover- Big cover, low premium
- No room-rent cap
- Free yearly check-up
- Lock in a low price early
👨👩👧
Just married / young family
Aim for ₹15–20 lakh cover- One family floater plan
- Maternity & newborn add-on
- Child vaccination benefits
- No-claim bonus
🧑🦱
Mid-career (40s–50s)
Aim for ₹20–25 lakh cover- Higher cover for lifestyle illness
- Critical illness add-on
- Low or no co-payment
- Fast claim settlement
👴
Parents & seniors (60+)
Aim for ₹15–20 lakh cover- Covers existing conditions sooner
- Short waiting period
- Lots of nearby hospitals
- Home & AYUSH treatment
What’s covered — and what isn’t
Exact terms vary by plan, but here’s the general picture.
✅ Usually covered
- 🛏️Hospital stay (room, ICU, surgery)
- 🔬Tests & doctor visits before and after
- 💉Same-day procedures (no overnight stay)
- 🚑Ambulance charges
- 🦠Illnesses like dengue, malaria, typhoid
- 🌿Ayurveda / Homeopathy (AYUSH) on many plans
- 🤰Pregnancy & delivery (as an add-on)
- 🩺A free yearly health check-up
🚫 Usually not covered
- 💄Cosmetic / beauty surgery
- ⏳Old illnesses during the early waiting period
- 🚬Problems from alcohol or drug abuse
- 🦷Routine dental & spectacles (unless added)
Insurance words, in plain English
The terms you’ll hear — explained the way a friend would.
Sum insured
The most the company will pay in a year. A ₹5 lakh cover means they’ll pay up to ₹5,00,000 of your bills.
Premium
The amount you pay (yearly or monthly) to keep the policy active. Think of it like a subscription for protection.
Cashless
At a partner hospital, the insurer pays the bill directly. You don’t arrange the money first — you just get treated.
Reimbursement
At any other hospital, you pay first, then send the bills to the insurer and they pay you back.
Waiting period
A short starting phase where some illnesses (especially ones you already had) aren’t covered yet. After it ends, they’re covered.
Pre-existing illness
A health problem you already have before buying — like diabetes or BP. It’s usually covered after the waiting period.
Co-payment
A small share of the bill you agree to pay yourself. A higher share lowers your premium but costs you more at claim time.
No-claim bonus
A reward for a year with no claim — your cover amount goes up for free, or your premium drops.
Network hospital
A hospital tied up with the insurer where cashless treatment works smoothly.
Room rent limit
A cap on how costly a hospital room the plan pays for. No cap = pick any room without extra cost.
Add-ons you can attach
Optional extras that fill gaps in a basic plan — pay a little more, get more cover.
Maternity cover
Pays for pregnancy, delivery and often newborn care. Buy it early — it has a waiting period.
Room-rent waiver
Removes the cap on room cost, so you can pick a better room without paying extra.
Critical illness
A one-time lump sum if you’re diagnosed with cancer, heart attack, stroke and the like — use it for anything.
Daily hospital cash
A fixed amount for each day in hospital, to cover food, travel and other small costs.
Faster pre-existing cover
Shortens the wait for old conditions like diabetes or BP to be covered.
How a claim works
There are just two ways the bill gets paid.
💳
Cashless — the easy way
Go to a partner (network) hospital, show your policy, and get treated. The insurer pays the hospital directly. You only pay for anything the plan doesn’t cover. Best for planned and emergency hospital stays.
🧾
Reimbursement — pay & claim back
At any other hospital, you pay the bill first, then send the bills, reports and prescriptions to the insurer. They check and transfer the money back to your bank account. Keep all documents safe.
What decides the price?
Six things that move your premium up or down.
🎂 Your age
Younger people pay less. The earlier you start, the cheaper it stays.
❤️ Your health history
Existing conditions like diabetes or BP can raise the price a little.
🛡️ How much cover you pick
A ₹10 lakh cover costs more than ₹5 lakh — but protects you far better.
👨👩👧 How many people
More members on one family plan means a higher premium.
📍 Your city
Treatment in big metros costs more, so premiums there are higher too.
🚬 Lifestyle
Smoking or heavy drinking raises health risk, and so the premium.
💰
You save tax while you stay protected
The premium you pay lowers your taxable income under Section 80D. You can claim up to ₹25,000 for yourself and your family, plus up to ₹50,000 more if you’re also insuring senior-citizen parents — up to ₹1,00,000 in a year. So protecting your family and cutting your tax bill happen in the same step.
What you’ll need to sign up
Buying is quick — just keep these handy.
🆔
ID proof (Aadhaar / PAN / Passport)
🏠
Address proof
🎂
Age proof
📷
A passport-size photo
🩺
Basic health check-up (sometimes, for older applicants)
Frequently Asked Questions
In simple words, what is health insurance?
You pay a small yearly amount, and in return the company pays your big hospital bills if you fall sick or have an accident. It protects your savings from sudden, large medical costs.
What does “cashless” mean?
At a partner (network) hospital, the insurer settles the bill directly with the hospital — you don’t pay upfront. You only pay for things the plan doesn’t cover. We’ll help you find the nearest network hospital.
Can I cover my parents on the same plan?
Yes. A family floater can include parents, or a dedicated senior-citizen plan may suit them better. An advisor will help you pick the right one — no pressure.
I already have diabetes / BP. Can I still get cover?
Yes. By rule, you can’t be refused for an existing illness. It’s usually covered after a short waiting period, and an add-on can make that wait even shorter.
What is a “waiting period”?
It’s a short starting phase when certain illnesses — especially ones you already had — aren’t covered yet. Once it’s over, they’re covered like everything else.
How much cover should I take?
A rough guide: ₹10–15 lakh if you’re young and single, ₹15–20 lakh for a young family, and ₹20–25 lakh as you get older. Big-city treatment costs more, so lean higher there.
Do I really save tax?
Yes. The premium you pay reduces your taxable income under Section 80D — up to ₹25,000 for yourself and family, plus up to ₹50,000 more for senior-citizen parents.
Already have insurance from my employer — do I need my own?
It’s wise to. Office cover ends the day you leave the job, is often small, and doesn’t cover your parents. A personal plan stays with you for life. A top-up plan is a cheap way to add more cover on top.
How fast are claims paid?
Cashless approvals at network hospitals often come within a few hours. If you pay first and claim later (reimbursement), it depends on how quickly you submit the bills and reports.