Health Insurance

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Compare, buy, and renew health insurance plans that truly protect—backed by expert support and zero bias.

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Health Insurance

What is Health Insurance?

Health insurance is a contract where the insurer covers your medical expenses in exchange for regular premiums. It acts as a safety net against rising healthcare costs—covering hospitalization, surgeries, critical illnesses, and more. Whether it’s planned treatment or a medical emergency, health insurance gives you access to quality care without draining your savings. With add-ons, cashless claims, and tax benefits, it’s an essential shield for every individual and family.

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Why Choose Online Plans?

Why Buy Health Insurance Online?

Smarter way to buy, with better benefits.

Instant Policy Issuance
Buy a health policy online and receive your e-policy instantly—no paperwork, no delay.
Compare & Choose Wisely
View plans side-by-side and select one that fits your health needs and budget.
Lower Premiums & Exclusive Offers
Online plans often come with better rates, seasonal discounts, and zero agent commission.

Why Every Individual Needs Health Insurance

Health is Wealth—Insure It

The real reasons you can’t go without it.

Rising Healthcare Costs

Medical inflation is real—health insurance cushions you from unexpected financial shocks.

Covers Hospitalization & Surgeries

From minor procedures to major treatments, expenses are covered as per the sum insured.

Cashless Network Hospitals

Avail treatment without paying upfront at top hospitals across the country.

Critical Illness Coverage

Plans include protection against life-threatening conditions like cancer and heart disease.

Family Protection

Secure your spouse, children, and parents under a single family floater plan.

Tax Benefits

Enjoy deductions under Section 80D for premiums paid on individual or family policies.

Different Health Plans to Suit Every Need

One Size Doesn’t Fit All—We Offer Options

Plans built for every stage and situation.

Individual Health Insurance
Personalized coverage for your healthcare needs—ideal for singles or individuals.
Family Floater Plans
One plan that covers the entire family under a shared sum insured.
Senior Citizen Health Plans
Tailored benefits and higher coverage for people aged 60 and above.
Top-Up Health Plans
Extra coverage beyond your base policy—cost-effective and comprehensive.
Critical Illness Plans
Receive a lump sum on diagnosis of serious illnesses like cancer, stroke, or heart attack.
Maternity & Newborn Plans
Coverage for delivery, newborn care, and maternity-related expenses.

Drive Smart. Stay Protected.

Get Covered Today and Stay Protected Always

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Why Choose Us

Why Epsilon Money for Health Insurance?

What sets Epsilon Money apart.

Access to 20+ Insurers

Compare plans from top providers in one place—no calls, no confusion.

Expert, Unbiased Advice

Get guidance from licensed advisors who only recommend what fits your need.

Hassle-Free Buying Experience

Buy, renew, or port your health plan within minutes—fully digital and secure.

Claims Support When You Need It

From claim filing to follow-ups, we stand by you throughout the process.

Customizable Add-Ons

Add hospital cash, maternity cover, or critical illness riders as per your lifestyle.

Trusted by Families Nationwide

Thousands count on us for transparent advice and long-term health protection.

Choosing the Right Plan – Essential Features to Consider Before Buying

Make the Right Choice with the Right Features

Key features to compare before you buy.

Sum Insured Amount
Make sure it’s enough to cover inflation and hospitalization in quality facilities.
Pre & Post-Hospitalization
Look for plans that cover medical expenses before and after hospital stay.
Waiting Period for Pre-existing Diseases
Choose a plan with minimal waiting period for existing health conditions.
Daycare Procedures
Ensure the plan includes surgeries or treatments that don’t need 24-hour admission.
Cashless Network Hospitals
More hospitals in the network mean better access and convenience during emergencies.

Steps to Get Your Health Insurance Online

How to Buy Your Health Plan in Minutes

Quick. Digital. Zero Hassle.

Enter Basic Details

Share your age, location, and coverage needs to get personalized plan suggestions.

Compare Plans & Choose

Review features, exclusions, and premiums—select the one that suits you best.

Make Payment & Get Policy

Pay online securely and receive your policy document instantly in your inbox.

Steps to Claim Your Health Insurance Benefits

Claim Process Made Simple with Epsilon Support

We simplify every part of the claim journey.

1

Intimate the Claim
Notify the insurer or us before hospitalization or within 24 hours in emergencies.

2

Submit Required Documents
Provide claim form, bills, discharge summary, prescriptions, and ID proofs.

3

Get Reimbursed or Go Cashless
Depending on the hospital type, get your expenses reimbursed or directly settled.

Frequently Asked Questions About Health Insurance

Everything You Need to Know Before You Insure

Answers that help you decide better.

Health insurance is not legally mandatory in India, but it’s financially critical. Medical inflation is rising rapidly, and even basic treatments can be expensive. A health plan ensures you can access quality care without exhausting your savings. It also offers tax benefits under Section 80D.

It’s best to buy health insurance when you're young and healthy. Younger individuals get lower premiums and face fewer medical underwriting conditions. Additionally, buying early helps you complete waiting periods for pre-existing conditions sooner. It’s a smart step in long-term financial planning.

Yes, a family floater policy covers all family members under a single sum insured. It’s more affordable than buying separate plans and easier to manage. The premium is calculated based on the age of the eldest member. These plans often include spouse, children, and dependent parents.

Most health insurance plans now cover COVID-19 treatment, including hospitalization, PPE kits, and medications. This was mandated by IRDAI during the pandemic. However, it’s always wise to check if the policy includes coverage for pandemics or infectious diseases. Some plans may also offer disease-specific add-ons.

A pre-existing disease refers to any illness, condition, or injury you had before buying the policy. Most insurers impose a waiting period (typically 2–4 years) before such conditions are covered. Disclosing them at the time of purchase is crucial to avoid claim rejection later.

Missing the renewal deadline leads to a policy lapse, which means loss of coverage and waiting period continuity. You may also lose accrued benefits like the No Claim Bonus. Insurers typically offer a grace period of 15–30 days. It's best to renew before the due date.

Yes, most insurers allow you to raise your sum insured at the time of renewal. This may involve additional underwriting or medical tests depending on the age and health status. Increasing coverage ensures better protection against rising medical expenses and inflation in the future.

Cashless hospitalization lets you get treated at network hospitals without paying upfront. You inform the insurer or TPA, submit the pre-authorization form, and the hospital coordinates with the insurer. Once approved, the bill is settled directly. Only non-covered items, if any, need to be paid by you.

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