×

Overview

Medical treatment costs today are shooting through the roof. Without a comprehensive health policy, you risk eroding your savings and sinking into debt when an emergency strikes. With the right insurance policy, you can cover all your and your loved ones’ medical bills.

Finbros Capital Advisory helps you pick the best health insurance policies in India to get the best medical care without hurting your savings. We guide you every step of the way to attain financial security by covering a wide range of health issues with the right health cover. Find low-cost health insurance that covers expenses for hospitalization, surgery, and more with us.

Choose Finbros Capital Advisory to identify the best health insurance plan for you and your family, and give your loved ones a financially secure future. We bring you premium health insurance, in partnership with India’s leading insurers, to protect you from high healthcare costs during medical emergencies and hospitalizations.

Tomorrow belongs to those who prepare for it today. Secure your future with the best health insurance in India!

Major Features

Our comprehensive health insurance for senior citizens and youngsters alike comes with many advantages.

Finances your OPD needs

Our plans are designed to cover all your minor and major medical expenses. This includes teleconsultation with a doctor, pharmacy, and routine tests - all covered on a cashless basis. This feature covers all outpatient costs, including consultation fees with doctors, health check-ups, pharmacy bills, diagnostic tests, and so on. Here, you can claim expenses incurred without hospitalization.

Pre-and post-hospitalization care

One of the most important benefits of health insurance coverage is that it covers your medical bills both before and after you are admitted to the hospital. Medical costs incurred by you before admission to a hospital are known as pre-hospitalisation expenses. The medical costs incurred after you are discharged from the hospital are known as post-hospitalization expenses. Both are covered by health coverage.

Covers pre-existing conditions

Once you've finished the prescribed waiting period from the time of the policy issue, the health plan will cover you for pre-existing conditions as well. In the insurance world, a pre-existing disease is any illness you had and were diagnosed with 48 months (or less) before you acquired your policy. PEDs can be used to treat a variety of medical illnesses, including cancer and diabetes, as well as minor ailments like high blood pressure or allergies.

Offers cashless treatment

No need to fret about the money for your medical bills while you're in the hospital. If the hospital is in your health insurance network, your provider will deal directly with them. A cashless health insurance feature is one in which the insurance company pays the treatment costs directly to the care home or hospital in which you are admitted.

Allows you to avail of tax benefits

Section 80D of the Income Tax Act of 1961 allows you to claim a tax deduction for health insurance premiums. The premium amount paid for health insurance is tax-deductible. That is, you can deduct the cost you pay as a premium from your taxable income. This benefit is subject to certain limits.

Provides additionalinsurance coverage

According to the policy certificate of your health plan, you receive an additional sum covered for each claim-free year. It allows policyholders to get their medical bills paid even if their standard health insurance policy's limit has been reached.

Benefits of each type

A Complete Health Insurance policy protects you from unexpected medical costs.

Its comprehensive coverage for you and your family pays for the majority of your medical needs.

This plan comprises a family floater option. Through this feature, you can cover your whole family under single policy coverage. Here, you get to tailor your family health insurance coverage to fulfil your specific medical needs, such as maternity coverage, outpatient care coverage, critical illness coverage, donor expenditures coverage, and so on.

This is a good option if you’re looking for good health insurance with maternity cover.

This policy covers all your medical expenses when you are hospitalized.

You can choose this policy to tend to your basic healthcare requirements.

Additionally, you can cover your family members on a floater basis with this policy.

Settle your cashless claims by utilizing 24x7 customer service.

Top-up health insurance plans provide adequate financial assistance in the event of a medical emergency.

A super top-up health insurance plan offers a higher coverage limit at relatively cheaper rates.

With healthcare costs on the rising, it's a good idea to get a supplement policy. Top-up insurance is a type of insurance that covers your entire family under one policy.

It protects your savings to a large extent. You can concentrate exclusively on your recovery rather than the cost of treatment.

Types of Health Insurance

Let’s understand what each type of life insurance provides the policy holder.

Complete Health Insurance

A Complete Health Insurance policy provides comprehensive coverage in the event of a medical emergency. This medical plan allows you access care at a large number of hospitals across the country on a cashless basis. You enjoy coverage up to Rs. 50 lakhs.

Health Booster

A Health Booster policy boosts the effectiveness of your health insurance. It's a super-top-up plan that you can use as a backup if your base plan runs out. You can buy a Health Booster plan even if you don't have a basic plan. You enjoy coverage up to Rs. 50 lakhs.

Befit Cover

Small niggles of health issues are frequently the source of concern. Discuss what's on your mind with a general physician, consultant, or super-specialist expert online (available 24x7) or at the clinic with a BeFit cover. BeFit takes care of all of your day-to-day health issues that don't require hospitalization.

Family Shield

Protect your loved ones against unexpected medical costs with a family insurance cover. This plan protects you and your family in the event of a medical emergency. The plan recognises your unique needs and offers coverage options that help you meet them.

Critical Illness Cover

This policy offers you comprehensive critical illness cover. The cover broadly finances 5 major illness buckets, including cancer and blood disorders, heart and blood vessels, major organs, nervous system, other illnesses. Here, other add-on benefits include ICU coverage, cancer restore benefit, major surgical procedures, etc.

Inclusions

Complete Health Insurance

Medical expenses incurred during a stay of more than 24 hours in the hospital, such as hotel charges, doctor/surgeon fees, prescription bills, and so on.

Medical expenses incurred 30 days previous to and 60 days after admission to the hospital, assuming the in-patient claim has been accepted.

The costs of modern, technology medical procedures and surgeries that require less than 24 hours in the hospital (including dialysis, radiotherapy and chemotherapy).

Expenses for in-patient Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) treatment are covered only if they are received at a government hospital or an institute recognised by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health.

Redeeming wellness points gained through various wellness and fitness activities as a result of healthy behavior. The wellness points can be redeemed on OPD bills for doctor's consultations, medicine and pharmaceuticals, diagnostic and dental expenditures, and so on.

Every year you go by without filing for a claim, you'll receive a bonus on your base sum insured. In the event of a claim, the additional sum covered will be reduced by a certain percentage.

Provides coverage for products that are not otherwise covered by your claim. If your claim for in-patient hospitalisation has been approved, you can take use of this benefit.

If you make claims up to a certain limit in the prior insurance year, it has no effect on the additional money insured you have earned over the years.

Ambulance charges paid for an ambulance service provided by a hospital or ambulance service provider during an emergency can be reimbursed.

Every policy year, each insured receives a complimentary health check-up coupon, with floater policies receiving two coupons per year.

It covers the cost of transporting you to the nearest hospital for emergency treatment.

Expenses for hospitalisation and day-care operations incurred when traveling to another country.

Only if the hospitalisation claim for organ donation operation is accepted is this benefit offered.

Road ambulances for emergency care, telephone or virtual consultations with a medical professional for everyday health issues are all examples of emergency services. The consultation can be delivered via voice, video, web portal, chat, or mobile app. This service is available 365 days a year, 24 hours a day.

You can restore your balance sum insured up to 100% of the base sum insured an unlimited number of times. The feature is available only during the policy year. To be eligible for this, the total insured, including any accrued additional sum insured (if any), must be insufficient due to previous claims in the policy year. This benefit can be used for a different disease or the same condition if the insured is different.

Every year, without regard to age, the health policy can be renewed.

Floater coverage allows you to cover your entire family (self, spouse, dependent parents, dependent children, siblings and sisters) under a single policy for the same amount insured by paying a single premium. Any person from 3 months to 6 years can be insured under the family insurance plan as long as at least one adult is also covered under the same policy.

Within 15 days of obtaining the policy, you can cancel it by sending a written notice.

For each claim-free year, you may be eligible for a bonus. In the event of a claim under the policy, the accrued additional sum insured for the next year is decreased.

The policy covers your OPD expenses.

The policy also provides comprehensive coverage to all your maternity related needs.

Health Booster

If you're present in the hospital for more than 24 hours, you'll have medical charges covered.

Expenses for day-care procedures such as eye surgery, ligament tear surgery, or tonsillectomy. We cover 150 of these day-care treatments that don't require more than 24 hours in the hospital. You can find a list of these day care therapies here.

On a reimbursement basis, hospitalisation charges for Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) treatment.

Expenses associated with undergoing organ transplant surgery, up to the amount covered.

Your medical expenses for the 60 days preceding and 90 days after your hospitalisation.

Emergency road ambulance expenses, up to a percentage of your total insurance amount.

After two years of continuous coverage, we cover disclosed and accepted pre-existing conditions.

You can add up to two adults and three children to a single floater insurance. Spouse, dependent children, brother, sister, dependent parent, grandparents, grandchildren, mother-in-law, father-in-law, son-in-law, daughter-in-law, dependent brother-in-law, and dependent sister-in-law are among the relationships addressed.

You can renew your top-up health insurance at any time, regardless of your age.

According to Section 80D of the Income Tax Act of 1961, you can get a tax deduction on your premiums.

Cashless hospitalization is available at any of our 6500+ healthcare providers. This link will take you to a list of these providers/hospitals.

Medical charges up to the covered amount during your domiciliary hospitalization.

We provide a reset benefit of up to 100% of the sum insured for plans with deductibles of 3 lakhs and higher. This benefit kicks in if your total sum insured (including additional sum insured) is insufficient due to past claims made during the insurance year. This reward is made available to you once every policy year.

Through a variety of wellness services, we encourage and reward you to maintain a healthy lifestyle. Earn reward points by participating in fitness and wellness activities and redeeming them for prizes.

Arogya Sanjeevani Policy

In-patient hospitalisation expenditures, such as room rent/boarding and nursing, are covered up to 2% of the sum insured, up to a daily maximum of $5,000. Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) charges up to 5% of the sum insured each day, up to $10,000. If you are hospitalized for over 24 hours, the surgeon's fee, doctor's fee, anaesthetic, blood, oxygen, and operation theatre charges are all covered.

Hospital bills incurred 30 days previous to and 60 days after admission to the hospital.

Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) treatments performed in a government hospital or any institute recognised by the government and/or approved by the Quality Council of India/National Accreditation Board.

Medical bills for any day-care treatments that need fewer than 24 hours in the hospital.

On road ambulance charges of up to Rs. 2000.

Expenses incurred during cataract treatment up to 25% of the sum insured, or a maximum of $40,000, whichever is less.
Medical expenses for treating an injury-related sickness.

After a four-year waiting period, certain pre-existing disorders are identified (refer policy wordings for list of PEDs). The benefit of a waiting time is applicable to ported insurance.

If you pay a single floater premium, you get to extend the insurance coverage of your policy to your entire family. This includes dependent parents, legally married spouses, parents-in-law, and dependent children. Here, if there’s any child over the age of three months, you can insure them under the same policy given one adult is also covered.

Thanks to Section 80D, you can deduct up to Rs. 25,000 for shielding your health and the health of your dependent children and parents. Under the same, senior citizens get a tax break of up to Rs. 50,000..

You have the flexibility to restart or renew your policy annually without a capping on the age.

If you go by a year without claiming the amount, you get 5% more sum insured. This can go up to a maximum of 50% more sum insured on the same premium payment.

Cancellation of the insurance must be done in writing within 15 days of receipt of the policy.

The following modern procedures are also covered either as in patient treatment or as part of day care treatment in a hospital up to 50% of Sum Insured.

Balloon Sinuplasty

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)

Oral chemotherapy

Deep Brain stimulation

Intra vitreal injections

Immunotherapy- Monoclonal Antibody to be given as injectionVaporisation of the prostrate (Green laser treatment or holmium laser treatment)

Stereotactic radio surgeries

Robotic surgeries

Bronchical Thermoplasty

Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered

IONM - (Intra Operative Neuro Monitoring)

Exclusions

  • Treatment of the following diseases/illnesses/ailments Cataract
  • Myomectomy, hysterectomy unless because of malignancy
  • Benign prostatic hypertrophy
  • Joint replacement, unless due to accident
  • Dilatation and curettage, endometriosis
  • Sinusitis and related disorders
  • All types of skin and all internal tumors/nodules/cysts/polyps, including breast lumps, unless malignant
  • Stone in the urinary and biliary systems
  • All types of hernia and hydrocele
  • Surgery on adenoids, tonsils, and sinuses
  • Dialysis required for chronic renal failure
  • Deviated nasal septum
  • Gastric and duodenal erosions and ulcers
  • All kinds of internal congenital anomalies/ illness/ defects
  • Varicose veins/varicose ulcers
  • Dental treatment and Plastic surgery

  • Pregnancy and childbirth-related complications, aesthetic, cosmetic, and obesity-related treatment.
  • War, civil war or breach of law.
  • Naturopathy treatment, acupuncture, acupressure, magnetic and other such therapies.
  • Any expenses arising out of domiciliary treatment
  • Treatment taken outside the country.

  • Treatment taken outside the country.
  • Dental treatment (unless it’s due to an accident)
  • Suicide or self-inflicted injuries.
  • Hazardous sports, war, civil war or breach of law.
  • Alcohol or drug abuse.
  • Refractive error correction, hearing impairment correction.

  • Any admission for the purpose of diagnostic and assessment costs
  • Expenses for diagnostic testing that are unrelated to the treatment you are receiving
  • Expenses incurred for nursing at home
  • OPD expenditure
  • Non-allopathic treatment costs, untested therapy costs, pregnancy and delivery difficulties treatment costs, cosmetic, aesthetic, and obesity treatment costs
  • Expenses incurred as a result of professional engagement in risky or adventurous sports.
  • Treatment costs for alcoholics, heroin addicts, and other substance abusers
  • Expenses for spas and natural healing clinics
  • Bills for non-prescribed dietary supplements and substances
  • Expenses associated with conception and infertility
  • Expenses incurred as a result of a conflict, a civil war, a nuclear attack, a chemical or biological attack, or a violation of the law.
  • Treatment costs incurred outside of India

Claim process

Here’s the claim process for health insurance.

Step 1

Once you are admitted to one of the hospitals in the insurance provider’s network, you can claim the health insurance coverage.

Step 2

Fax us your pre-authorization form and any supporting documentation.  

Step 3

The insurer’s team examines the claim and decides whether to accept, reject, or make enquiries.

Step 4

The insurer settles your claim.

FAQ's

Your health insurance provider calculates your premium by taking several factors into account - your medical history, pre-existing illnesses, lifestyle, etc. Most providers use their parameters to give you the premium quotation.

You can also use an online health insurance premium calculator to understand your costs based on your age, the number of family members to be insured, the amount insured, the length of the policy, and other criteria.

A health insurance premium calculator is a digital tool that calculates how much you'll pay in premiums for a given health insurance policy.

To use this calculator, simply enter basic information such as your age, the number of family members you want to cover, the add-ons you want to buy, and any pre-existing diseases you have. Choose the coverage amount and length of your preferred insurance.

Based on the information you provide, your health insurance premium will be calculated and displayed instantly.

You can choose the best health insurance geared to cover all of your major and minor medical conditions, including teleconference with a physician, pharmacy, and routine tests, all of which are available on a cashless basis.

Section 80D of the Income Tax Act of 1961 allows you to claim a tax deduction for your health insurance premium. If you are under the age of 60, you may be eligible for a tax exemption of up to Rs. 25,000 on your health insurance premiums under the Income Tax Act of 1961.

On their coverage premiums, senior citizens are permitted a maximum tax deduction of Rs. 50,000.

The Health Booster policy boosts the effectiveness of your health insurance plan. It's a super-top-up plan that you can use as a backup if your main plan runs out. You can buy a Health Booster plan with Finbros Capital Advisory even if you don't have a basic plan

Compare the coverage provided by several health insurance plans and select the one that best suits your needs and budget.

Check out the various premium payment options to determine whether your favorite one is available.

Check to see if your health insurance coverage covers pre-existing conditions before you buy it. Certain medical disorders are frequently subject to a waiting time under health insurance. Before you buy, check if your health insurance covers it.

Browse the list of network hospitals provided by your insurer. Check to see if your local healthcare center or hospital is on the list.

We extend a wide selection of plans and insurers. Here, you can compare and select the best health care insurance for you. You can also get a quick premium quote by submitting your basic information and being covered by purchasing the same.

Besides, since there are no middlemen involved, you can get a reduced premium. Purchasing health insurance with us saves you time and work.