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Health Insurance offers financial protection or coverage for the medical expenses or the hospitalisation charges of the policyholder. This kind of insurance plan comes with several benefits like day-care facility, cashless hospitalisation etc. or cover the reimbursement of the incurred expenses.

  • Health Insurance ensures that all your medical expenses are taken care of when needed. Health Insurance provides cashless treatment at any network hospital. It typically covers up to 60 days pre and post hospitalisation.
  • You can enhance the primary health insurance plan by adding add-on products like Critical illness cover, Personal accident cover and Top-up.
  • You can also buy a senior citizen health insurance policy to provide complete protection to your elders and secure their old age.
Advantages of Health Insurance
  • A single Health Insurance covers all family members.
  • Health Insurance offers coverage against medical expenses that includes pre and post hospitalisation.
  • Pre-existing diseases are covered after a certain waiting period.
  • Medical expenses incurred in hospitals get reimbursed in Health Insurance policy.
  • The premiums paid for Health Insurance are eligible for tax benefit under section 80D of ITA, 1961.
  • OPD expenses are covered under certain health plans, and a minimum of 24 hours hospitalisation is not required for claim reimbursement. However, plans covering only OPD expenses are also available now.


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Financial coverage for medical expenses

Health Insurance policies take care of all your medical expenses such as hospitalisation charges, day-care procedures, ambulance charges, amongst others. It helps you to be stress-free and focus speedy recovery.

Pre and post hospitalisation charges

Health Insurance policies offers coverage for your pre and post hospitalisation charges up to 60 days, depending on your purchase insurance plans.

Tax Benefits

The premium that you pay towards your health insurance policy is eligible for tax deduction under Section 80D of the Income Tax Act.

Cashless treatment

Health Insurance offers cashless hospitalisation wherein you can avail medical treatment without paying for it at the empanelled hospitals. Here, you do not have to worry for the claim settlement, as the insurance company directly settles the claim with the hospital or nursing home.

Critical illness covered

Health Insurance plans offer coverage for life-threatening diseases or critical illnesses such as bone marrow transplant, kidney failure, stroke, amongst others. Under the health insurance plan, you

No Claim Bonus & Free Health Check-up

No claim bonus (NCB) is an element in health insurance that is paid to the insurer if he or she has not filed any claim in the previous year. Under the health insurance policy, you are also eligible for health check-ups.

ABOUT US is a venture of DJT Insurance Brokers Pvt. Ltd. It is a privately-owned insurance broking company based in India which offers General and Life Insurance solutions. Our dedicated team meets the requirements of our clients and delivers innovative solutions. Helping meet different challenges in the ever-changing global environment, we offer end-to-end solutions by identifying and analyzing risks and always strive to provide a supreme level of service.