Trusted IRDAI-Certified
Insurance Partner
Provide your employees with financial protection against medical expenses through Group Health Insurance, covering hospitalization and treatment while supporting workforce stability.
What’s Covered
A health insurance policy helps individuals and families manage hospitalization and medical costs. It provides financial protection during emergencies and planned treatments, reducing out-of-pocket expenses and supporting access to quality healthcare services.
Covers medical expenses incurred during hospital stays, including room charges, surgeries, doctor consultations, nursing care, and prescribed medications during the admission period, subject to policy terms and Sum Insured limits
Provides coverage for pre-existing diseases after completion of the specified waiting period. Terms vary across health insurance plans in India, and disclosure at the time of purchase is mandatory.
Includes procedures that do not require 24-hour hospitalization due to medical advancements, such as minor surgeries or specialized treatments, as listed under the policy schedule.
A Cashless health insurance policy allows treatment at network hospitals without upfront payment, where the insurer settles approved expenses directly with the hospital, as per policy conditions.
Certain plans offer maternity coverage and newborn benefits after a defined waiting period, covering delivery expenses and initial healthcare needs of the newborn, when opted under the policy.
Covers treatment expenses arising from serious illnesses or medical emergencies, depending on the selected coverage, helping families manage sudden high-cost medical situations.
Reduces out-of-pocket expenses during hospitalization and medical treatment.
Enables faster treatment at network hospitals without an upfront payment burden.
Automatically restores the Sum Insured if exhausted during the policy year, subject to plan terms.
Covers spouse and children under a single Sum Insured.
Increases coverage over claim-free years without major premium hikes.
Premium paid may qualify for a deduction under Section 80D.
How to Buy
Choosing the right health insurance policy involves assessing medical needs, family size, and budget. Disha Capital Insurance Brokers helps compare health insurance plans in India, review coverage terms, and select a suitable Sum Insured for long-term protection.
Plan Comparison Support
Transparent Premium Guidance
Claims Assistance Support
Identify coverage amount, family size, and expected medical expenses.
Review network hospitals, exclusions, waiting periods, and No-Claim Bonus terms.
Provide age, medical history, identity proof, and nominee information.
Complete premium payment, receive policy documents, and start coverage.
Faq’s
A health insurance policy typically covers hospitalization expenses, room charges, surgeries, doctor fees, prescribed medicines, and certain daycare procedures. Coverage may also include pre- and post-hospitalization costs, subject to policy terms and Sum Insured limits.
Health insurance plans in India work by paying an annual premium in exchange for financial protection against medical expenses. The insurer reimburses eligible hospital bills or settles them directly through a cashless network hospital.
A Cashless health insurance policy allows treatment at network hospitals without paying upfront. The insurer settles approved hospitalization bills directly with the hospital, reducing immediate financial burden during medical emergencies.
The health insurance Premium Online depends on age, medical history, Sum Insured, policy type, city of residence, and optional add-ons. Higher coverage and older age generally result in higher premiums.
Yes, you can buy a Medical Insurance Policy Online with Disha Capital Insurance Brokers after comparing plans, reviewing coverage details, and completing digital documentation. Accurate disclosure of medical history is essential to avoid claim issues later.
Some health insurance plans with No-Claim Bonus increase your Sum Insured or offer premium discounts for every claim-free year, rewarding policyholders for maintaining good health.
Yes, most health insurance coverage includes waiting periods for pre-existing diseases, specific treatments, and maternity benefits. The duration varies by insurer and must be reviewed before purchase.
Disha Capital Insurance Brokers Pvt Ltd
Head Office : 1404-A, 43 Chiranjiv Tower, Nehru Place, New Delhi – 110019
Contactus@dishainsurance.com
+918796708683
