Health Insurance

Health Insurance is essential coverage that financially protects you and your family against unexpected medical expenses arising from illness, injury, hospitalization, and medical emergencies. With rising healthcare costs in India, having a comprehensive health insurance policy is crucial. At Convivial Insurance Broker, we simplify health insurance by offering easy online comparison, customized policy options, hassle-free claims, and prompt renewals. Invest in your health today and enjoy lifelong peace of mind, knowing you're covered when you need it most.

Why Buy Health Insurance Online?

Easy, Transparent & Instant

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Instant Policy Issuance

Get your health insurance policy issued online immediately.

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Compare Plans Easily

Find and compare features, premiums, and benefits of top insurers in minutes.

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Paperless Management

Effortlessly buy, renew, and manage your health policy online, anytime.

Comprehensive Health Coverage for Life

Secure Your Health, Secure Your Future

Rising Medical Costs

Health insurance protects your savings by covering costly medical bills due to hospitalization or illnesses.

Cashless Hospitalization

Access treatment without upfront payments at a wide network of hospitals across India.

Tax Benefits

Avail tax deductions on premiums paid under Section 80D of the Income Tax Act, saving money every year.

Family
Protection

Safeguard your family’s health with comprehensive coverage for spouse, children, and dependent parents.

Coverage for Critical
Illnesses

Ensure financial support during treatment for serious ailments like cancer, heart disease, and more.

Pre & Post-Hospitalization Expenses

Covers medical expenses incurred before and after hospitalization, reducing out-of-pocket costs.

Types of Health Insurance Plans

Choose the Right Plan for Your Health Needs

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Individual Health
Vehicle Insurance

Offers medical coverage for a single individual, covering hospitalization, treatment costs, and emergencies. Ideal for singles or individuals needing specialized coverage.

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Family Floater
Health Insurance

Comprehensive coverage for the entire family under a single policy, including spouse, children, and dependent parents. Provides cost-effective, unified protection for your loved ones.

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Senior Citizen
Health Insurance

Specially designed to cater to medical needs of senior citizens (age 60+). Covers hospitalization, treatments, medicines, and pre-existing illnesses with ease.

The Convivial Advantage

Why Trust Us for Your Health Insurance?

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Wide Range of Policies

Compare comprehensive health plans from India’s leading insurers.

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Competitive Premiums

Get affordable rates tailored to your budget and coverage needs.

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Hassle-Free Claims

Easy claim settlements through cashless hospitalization and quick reimbursements.

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Expert Assistance

Get personalized guidance to select the ideal policy.

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Paperless Processes

Instant online purchase and renewal without tedious paperwork.

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24/7 Customer Support

Prompt assistance whenever you need it most.

Health Insurance FAQs

Clear Answers to Common Questions

Buying health insurance early is advisable as medical emergencies and illnesses can occur unexpectedly at any age. Getting insured young ensures lower premiums, easier coverage for pre-existing conditions later, and financial protection from rising healthcare costs. It also allows you to accumulate benefits like No Claim Bonuses, ensuring long-term advantages.

Cashless hospitalization allows you to receive medical treatment without upfront payments at hospitals within your insurer's network. Your insurer directly settles medical bills with the hospital, saving you from tedious reimbursement processes and immediate out-of-pocket expenses. It makes healthcare access quick, convenient, and stress-free during medical emergencies.

Yes, most health insurance policies cover pre-existing conditions, but only after a specific waiting period, usually between two to four years. The duration of waiting periods varies depending on your policy terms and the insurer you select. Always carefully review the policy documents to understand these terms before purchasing a policy.

Yes, Family Floater policies allow you to cover your spouse, children, and dependent parents under a single policy. This provides comprehensive protection for your entire family and is typically more cost-effective than separate individual policies. It ensures easier management and renewal of your family's health coverage each year.

Many health insurance plans offer maternity coverage but usually after a waiting period of two to four years from policy inception. Maternity benefits typically cover delivery expenses, prenatal and postnatal care, and newborn baby expenses up to a certain period. It’s important to confirm the maternity benefits and waiting periods clearly in your policy terms before purchase.

You can reduce your premium by choosing higher voluntary deductibles, opting for family floater policies, maintaining good health, buying coverage early, and avoiding unnecessary add-ons. Also, ensuring timely policy renewals and accumulating claim-free years (No Claim Bonus) significantly help in lowering your overall premium expenses over time.

To file a health insurance claim, typically, you need to provide essential documents such as hospital discharge summaries, original medical bills and prescriptions, diagnostic reports, claim form, and policy details. In case of cashless claims, your insurer coordinates directly with the hospital, reducing the amount of paperwork you have to handle and simplifying the claim process considerably.