Your Health, Our Priority
Healthcare costs are rising every year, and a medical emergency can significantly impact your finances. Health insurance is no longer a luxury—it's a necessity. Saral Insurance Broking offers comprehensive health insurance plans that provide financial protection against medical expenses, ensuring you and your family receive the best healthcare without worrying about costs.
Our health insurance solutions cover hospitalization, pre and post-hospitalization expenses, daycare procedures, and much more. With cashless treatment at thousands of network hospitals and quick claim settlements, we ensure you focus on recovery, not paperwork.
Key Features & Benefits
- Cashless hospitalization at 10,000+ network hospitals
- Coverage for pre and post-hospitalization expenses
- Daycare procedures and surgeries covered
- Ambulance charges included
- No claim bonus for claim-free years
- Lifetime renewability option
- Tax benefits under Section 80D
- Pre-existing disease coverage after waiting period
- Maternity and newborn baby coverage
- Annual health check-ups included
Types of Health Insurance Plans
👤 Individual Health Plans
Comprehensive coverage for single individuals with customizable sum insured options from ₹3 lakhs to ₹1 crore.
👨👩👧👦 Family Floater Plans
Single policy covering entire family with shared sum insured. Cost-effective solution for families.
👴 Senior Citizen Plans
Specialized health insurance for individuals above 60 years with enhanced coverage for age-related ailments.
⬆️ Top-Up Plans
Additional coverage over existing health insurance at affordable premiums. Ideal for enhanced protection.
🏥 Critical Illness Plans
Lump sum payout on diagnosis of critical illnesses like cancer, heart attack, stroke, and kidney failure.
🤰 Maternity Insurance
Coverage for maternity expenses including delivery, pre and post-natal care, and newborn baby expenses.
💼 Group Health Insurance
Corporate health insurance for employees with comprehensive coverage and competitive group rates.
🔄 Super Top-Up Plans
Enhanced top-up coverage with aggregate deductible, providing better value than regular top-up plans.
What's Covered?
Standard Coverage Includes:
- Hospitalization expenses (room rent, ICU charges, doctor fees)
- Pre-hospitalization expenses (60 days before admission)
- Post-hospitalization expenses (90 days after discharge)
- Daycare procedures and treatments
- Ambulance charges (up to specified limit)
- Organ donor expenses
- Medical tests and diagnostics
- Surgical procedures and operations
- Medicines and consumables during hospitalization
- Annual preventive health check-ups
Add-On Coverage Options
- Maternity Cover: Pregnancy, delivery, and newborn baby expenses
- Critical Illness Rider: Additional lump sum for specified critical illnesses
- Personal Accident Cover: Compensation for accidental death or disability
- Daily Hospital Cash: Fixed daily allowance during hospitalization
- Consumables Cover: Coverage for items like gloves, syringes, and bandages
- Room Rent Waiver: No capping on room rent charges
- Restoration Benefit: Sum insured restoration if exhausted during policy year
- Worldwide Coverage: Emergency treatment coverage during international travel
Coverage for Pre-Existing Diseases
Pre-existing diseases are covered after a specified waiting period (typically 2-4 years). Common conditions covered include:
- Diabetes and related complications
- Hypertension and heart diseases
- Asthma and respiratory disorders
- Thyroid disorders
- Arthritis and joint problems
- Kidney and liver diseases
- Cancer (after waiting period)
Who Should Buy Health Insurance?
- Individuals and families of all age groups
- Self-employed professionals and business owners
- Senior citizens requiring comprehensive healthcare
- Young professionals starting their careers
- Parents planning for maternity expenses
- Individuals with existing health insurance seeking top-up coverage
- Employers looking for group health insurance for employees
Why Choose Saral Insurance Broking for Health Insurance?
- Access to plans from all major health insurers
- Unbiased comparison and expert recommendations
- Assistance in choosing optimal sum insured
- Help with pre-policy medical check-ups
- Guidance on disclosure of pre-existing conditions
- Cashless claim facilitation at network hospitals
- Complete support for reimbursement claims
- Policy renewal reminders and assistance
- Portability assistance to better plans
Cashless Claim Process
Our cashless facility makes hospitalization stress-free:
- Step 1: Choose a network hospital from our extensive list
- Step 2: Inform us about planned hospitalization (for planned procedures)
- Step 3: Present your health card at hospital admission
- Step 4: Hospital sends pre-authorization request to insurer
- Step 5: Approval granted within 2-6 hours
- Step 6: Receive treatment without paying (except non-covered items)
- Step 7: Hospital settles bill directly with insurance company
Tax Benefits
Save taxes while securing your health:
- Deduction up to ₹25,000 for self, spouse, and children (under Section 80D)
- Additional ₹25,000 deduction for parents below 60 years
- Additional ₹50,000 deduction for parents above 60 years
- Total tax benefit up to ₹1 lakh per year