Insurance by Upstox
Comprehensive Health Insurance
to protect your family
Choose affordable health insurance with complete coverage and 24*7 support
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Backed by
Mr. Ratan Tata
Health Insurance is your shield against all medical emergencies
Being hospitalised or diagnosed with an illness can be financially devastating. Having the right health insurance coverage can provide you (and your family) with the best healthcare services and protect you from a potential bankruptcy due to rising medical expenses.
How it works?
Buy health insurance for yourself and your family
Pay a premium of ₹1000 per month
Get cashless hospitalisation coverage up to ₹5,00,000
Why do you need Health Insurance?
Medical Expenses
Your health insurance covers all medical expenses: pre and post-hospitalisation
Medical Inflation
It protects you against medical inflation and ensures the highest quality healthcare services
Cashless Treatments
It provides complete peace of mind with cashless treatments, so you do not require emergency funds during hospitalisation
Tax Exemption
You are entitled to tax exemptions under Section 80D of the Income Tax Act.
Beyond regular coverage
It also includes coverage for daycare treatments and critical illnesses
Why is Upstox the perfect partner for all your health insurance needs?
Upstox’s Health Insurance Calculator
Our state-of-the-art insurance calculator takes account of your unique healthcare and lifestyle needs (such as maternity cover and critical illness cover) and provides you with the best available plan. Upstox’s plans are based on data-driven insights that avoid over or under-insurance.
Top Insurers with High Settlement Ratio
We have partnered with the best insurance companies in India that offer formidable customer support and the biggest networks of cashless hospitals
Customisable Plans
Based on your family’s size, job, family plans, and other lifestyle aspects, we present a wide range of add-ons, including critical illness cover, maternity benefits, room rent waivers, and daily hospital cash.
Health Insurance for Everyone
Whether you’re a young professional, a family with children, or a senior citizen, we offer plans that meet your specific needs and ensure financial security in medical emergencies.
Simple Process and No Spamming
Buying health insurance is a hassle-free experience with Upstox. We ensure transparency, no pushy sales tactics, and a smooth onboarding process for our customers.
Top Health Insurance Plans
We have compiled a list of top insurers with the most impeccable customer support (pre and post-hospitalisation)
HDFC Ergo
Niva Bupa
Aditya Birla Health Insurance
Must-Know Facts About Health Insurance
Young Age
Premiums are significantly lower when you purchase health insurance at a younger age.
Cashless Network
Always look for insurers that have a wide range of networks that offer cashless hospitalisation and treatment.
Coverage
Always ask for the applicable waiting period for pre-existing conditions and maternity cover before deciding.
Sum Insured
Try to factor in the rising medical costs, room rents, and other facilities before choosing the Sum Insured.
Add-ons
Ask for policy improvements and add-ons such as critical illness cover, daily hospital cash, and room rent waivers
Feature comparison
Compare different features, coverages, hospital networks, and other aspects of your insurers on Upstox before making a decision.
Factors that affect Health Insurance Premium
Age
Younger individuals are less likely to claim, making policies more affordable. However, these days, there are plans for senior citizens, thereby making health insurance more accessible.
Lifestyle
The insurance premiums can be lower when you have a healthy (teetotaler) lifestyle and a safe working environment.
Pre-Existing Conditions
If you are diagnosed with critical illnesses like diabetes or hypertension, it is important to inform the insurance company about them. Your premium will be on the higher side due to these conditions.
Coverage Type
Comprehensive policies with add-ons like critical illness cover, maternity benefits, or room rent waivers will have higher premiums compared to basic plans.
Tenure
If you opt for policies with longer tenures, the average premium shall be reduced considerably.
Sum Insured
If you opt for a higher Sum Insured and prefer no limits on room rents, consumables, etc., the premium shall be higher.
Number of Dependents
If you’re opting for a family floater plan, the size of your family and the age of dependents will impact the premium.
Documents needed to buy Health Insurance
Identity proof
Any 1
Identity proof
Any 1
Medical proof
Address proof
Any 1
Address proof
Any 1Everything you need to know about Health Insurance
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FAQs
What is health insurance, and why is it important?
What are the different types of health insurance plans available in India?
What is the waiting period for health insurance?
Can I port my health insurance policy to another insurer?
What is the difference between cashless and reimbursement claims?
Are there tax benefits associated with health insurance premiums?
What factors should I consider when choosing a health insurance plan?