Health Insurance: Hospital Cover for You and Your Family
Individual, family floater, senior citizen, top-up and critical illness plans. We explain each one in simple words and help you choose.
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Overview
About health insurance
A hospital stay can come without warning and the bills can be heavy. Health insurance pays hospital costs as per your policy, so one illness does not hurt your savings.
There are many types of plans, and each one has its own rules on waiting periods, room rent and claims. Insurance Kro explains them in simple words, so you pick a plan that fits your family.
What is covered
- Hospital stay and room charges, as per policy limits
- Doctor, nursing and operation theatre costs
- Pre and post hospitalisation costs for a set period
- Day-care procedures that need less than a full day in hospital
- Cashless treatment at network hospitals, usually after pre-authorisation
- Optional covers like critical illness and personal accident
- Extra benefits such as restoration and no-claim bonus, where the plan offers them
What is not covered
- Cosmetic treatment, as per policy
- Treatment during the waiting period
- Pre-existing diseases that were not told to the insurer
- Other excluded treatments listed in the policy
- Claims made after the policy has lapsed
- Costs above room rent limits, sub-limits or co-payment
Good to know
How to choose a health insurance plan
- Pick a sum insured that fits your city, your family size and your health needs.
- Read the waiting periods, room rent limit, co-payment and sub-limits before you buy.
- Check that good hospitals near your home are in the insurer's cashless network.
- Tell the truth about past illness. Hidden facts can lead to a rejected claim.
- Renew on time. A break in cover can lose benefits you have built up.
How we help
Simple steps to get covered
Share your details
Fill the short form with your name, mobile number and vehicle type. It takes about a minute.
Get your options
We call you, ask a few simple questions and explain the plans that fit your vehicle and budget.
Choose and stay covered
Pick the plan you like. We help with the papers, and with renewals and claims later.
Related guides
Read more before you decide
What Is Health Insurance? Types, Benefits and How It Works
What is health insurance? Learn the types, benefits and how a policy works in simple words, so you can choose well. Ask Insurance Kro for a free call back.
Read guideIndividual vs Family Floater Health Insurance: Which Is Better?
Family floater vs individual health insurance: see how each works, when each one suits you, and what to check before you choose. Get a free call back.
Read guideCashless vs Reimbursement Health Insurance Claim Explained
Cashless vs reimbursement health insurance: learn how each claim works, the steps, documents and common mistakes. Ask Insurance Kro for a free call back.
Read guideWaiting Period in Health Insurance: Types and What They Mean
Waiting period in health insurance explained: initial, specific illness and pre-existing disease waiting periods, and how to plan for them. Get a free call back.
Read guideHow to Choose a Health Insurance Plan: A Simple Checklist
How to choose a health insurance plan: a simple checklist covering sum insured, waiting periods, network hospitals and claim terms. Ask for a free call back.
Read guideWhy Health Insurance Claims Get Rejected and How to Avoid It
Health insurance claim rejection reasons explained in simple words, with easy steps to avoid them and what to do if your claim is rejected. Ask for help.
Read guideFAQs
Questions about health insurance
What is health insurance?
Health insurance pays your hospital bills as per the policy. You pay a premium, and the insurer pays eligible costs when you are treated.
What is the difference between cashless and reimbursement claims?
In a cashless claim, the insurer pays the network hospital directly, usually after pre-authorisation. In a reimbursement claim, you pay first and then claim the money back with bills.
Should I take an individual plan or a family floater?
A floater covers the whole family under one sum insured. Individual plans give each person their own cover. The right choice depends on your family's age and health.
What is a waiting period?
It is the time after you buy the policy when some claims are not paid. The length differs for initial, specific-illness and pre-existing disease waiting periods, so check your policy wording.
Can I move my health policy to another insurer?
You can usually move your policy at renewal under the portability rules. Apply early and check what benefits carry over.
Why do health insurance claims get rejected?
Common reasons are waiting periods, hidden pre-existing conditions, excluded treatment, late intimation, missing documents and a lapsed policy.
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