Health Insurance
Protect your family's funds against unexpected medical costs.
Having health insurance shields you from unforeseen, expensive medical bills. The health insurance provider will reimburse hospital costs up to the coverage amount (also known as the sum insured) you have chosen in the event that you or any family members covered by the policy are admitted to the hospital.
Sunglare Wealth Health Insurance Benefits
Covers your hospital bills
Get cashless claims in Network hospitals. Or reimburse hospitals bills incurred at non-network hospitals in times of health emergencies.
Tax savings of up to ₹15,600
Health care plans provide tax benefit. Save up to ₹15,600 by buying Health Insurance for Family as well as Parents.
Free Periodic health check-ups
With Health Insurance Policy, save big on your preventive health check-up costs year on year.
Covers Pre & Post hospitalization expenses
Apart from inpatient treatment costs, Health Insurance also pays for expenses upto 30-60 days, even before and after your hospital stay.
Why buy on Sunglare Wealth
Fast, easy & paperless
Benefit from the growth potential of the Indian economy through our equity-oriented funds.
Instant tax proof
Diversify your portfolio and mitigate risks with our well-balanced fund offerings.
Complete assistance
Optimize your tax planning with our tax-saving mutual fund options, helping you save on taxes while building wealth.
One click payment
Access expert advice and personalized recommendations from our experienced team of financial advisors.
Myths about Health Insurance
Things to Know
Room Rent Limits
Insurers cover 100% room stay expenses only for the allowed room types or upto the limits specified.
If you opt for an upgraded room, the insurer will pay only a part of the actual amount. That's why it's always best to go for plans with no limits or that allow Single private room stays.
Exclusions & Copay
Check what is permanently excluded and which treatments are possibly covered after waiting for a certain period.
Cashless Benefits
You can avail cashless hospitalization services only at the Network hospitals
Coverage and Claim waiting period
Check what is included, not included and which treatments are possibly covered after waiting for a certain period
1. Accidents coverage starts from day 1
2. Hospital Coverage starts after 30 days: Includes hospitalization for treatments, day care surgeries & critical illnesses
Benefits vs Premium
Price should not be the primary concern as the cheapest plan is not always the most cost-effective one. Look if the cover amount and benefits are sufficient against the premium paid.
Frequently Asked Questions
Health insurance is a type of coverage that pays for medical and surgical expenses incurred by the insured. It provides financial protection against high healthcare costs, ensuring you and your family receive necessary medical care without worrying about expenses.
A typical health insurance policy covers hospitalization costs, pre- and post-hospitalization expenses, day care procedures, ambulance charges, and in some cases, preventive healthcare services like annual check-ups. It may also cover expenses for specific critical illnesses, depending on the policy.
Individual health insurance provides coverage for a single person, while a family floater policy covers multiple family members under a single sum insured. In a family floater plan, the sum insured can be utilized by any member of the family during the policy term.
Choosing the right health insurance policy involves considering factors such as your age, medical history, coverage needs, and budget. You should also evaluate the network of hospitals, claim settlement ratio, and additional benefits like critical illness coverage or maternity benefits.
A pre-existing condition is any medical condition or illness that you had before purchasing the health insurance policy. Some policies may exclude coverage for pre-existing conditions for a specific waiting period, after which they may be covered, depending on the policy terms.
The waiting period is the time duration during which certain medical conditions or treatments are not covered by the health insurance policy. Common waiting periods include those for pre-existing conditions, maternity benefits, and certain specific treatments.
Yes, you can increase your health insurance coverage by opting for a higher sum insured, adding riders or add-on covers, or purchasing a top-up policy. It’s advisable to review your coverage periodically and make adjustments based on changes in your health or lifestyle.
