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Overview

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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 additional insurance 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.

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.

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.

Types of Life 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
                    

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.

                        

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

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

Claims 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.

FAQs

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.

Health Insurance Calculator

You must consider numerous variables when purchasing a health insurance policy, including the amount insured, policy features and exclusions, waiting period, and so on.

Estimating and comparing the premiums you'll have to pay for your policy is also crucial. A health insurance premium calculator is a web-based tool that estimates the amount of premium you'll have to pay for a specific health insurance policy.

To use this calculator, all you have to do is input some basic information like your age, the number of family members you will include in the policy, the add-ons you want to purchase, and any pre-existing conditions you have. Choose your preferred policy's sum insured and length.

Your health insurance premium will be computed and shown quickly based on the information you submit.

Health Insurance Premium Calculator

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