How to Buy Health Insurance Online 2026

About This Guide

Health Insurance covers hospitalization, day-care, pre/post-hospitalization. Major insurers: Star, HDFC ERGO, Niva Bupa (Max Bupa), ICICI Lombard, Care, Aditya Birla. Premium varies by age, sum insured, family size. Online via aggregator (Policybazaar) or insurer portal. Tax 80D ₹25K (₹50K senior).

Eligibility Criteria

• Indian citizen any age
• Some plans have age limits (5-65)
• Medical underwriting
• Pre-existing conditions covered after waiting period (1-4 years)
• Family floater for spouse + children

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

• Aadhaar (all members)
• PAN (proposer)
• Address proof
• Photo
• Medical history declaration
• Existing policy (if porting)

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Key Benefits

• Cashless treatment 7000+ hospitals
• Pre/post-hospitalization 30-60 days
• Annual health checkup
• Day-care procedures
• Ambulance cover
• Tax 80D ₹25K (₹50K senior)
• Critical illness rider option
• Cumulative bonus (no claim)

What Happens After Application?

7-15 days policy. Cashless cards. Renew annually. Increase sum insured every 5-10 years (medical inflation 12%+). Use cashless or reimbursement claim.

Frequently Asked Questions

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