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!
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.
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.
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.
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.
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.
According to the policy certificate of your health plan, you receive an additional sum covered for each claim-free year.
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. Finbros Capital Advisory helps you pick the best health insurance policies in India to get the best medical care without hurting your savings. With the right insurance policy, you can cover all your medical bills and those of your loved ones.
Find low-cost health insurance that covers expenses for hospitalization, surgery, and more with us. Plan for medical contingencies and unprecedented events without leaving a dent in your savings. 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. In partnership with ICICI Lombard, we bring you a comprehensive health cover that takes care of your health and well-being, all year round.
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 own 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, number of family members to be insured, the amount insured, the length of the policy, and other criteria.
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 from ICICI Lombard even if you don't have a basic plan. You enjoy coverage from Rs. 5 lakhs to Rs. 50 lakhs.
ICICI Lombard's Arogya Sanjeevani Policy is one of the best economical health insurances in India has to offer that covers your basic healthcare needs. It provides you with a low premium and a variable sum insured option starting at Rs. 5 lakhs.
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 ICICI Lombard's #UnbelievableButTrue BeFit cover. BeFit takes care of all of your day-to-day health issues that don't necessitate hospitalisation.
BeFit is a new way of thinking about health and fitness that aims to help you be your best every day. Because BeFit cover is an add-on, it can only be purchased with an ICICI Lombard basic stand-alone health insurance cover for an extra premium.
The ICICI Lombard 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.
It offers a family floater option. This allows you to cover your entire family under one policy. You can customize your family health insurance coverage to meet your specific medical needs, such as maternity coverage, outpatient care coverage, critical illness coverage, donor expenditures coverage, and so on.
No restriction on hospital room rent, no co-pay, no pre-medical check-up up to 65 years of age, and two complimentary health check-up coupons yearly for a family floater health insurance policy are just a few of the highlights.
As a result, it is one of India's most popular health insurance with maternity cover.
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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. During your hospitalisation for more than 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.
By paying a single floater premium, you can extend the coverage of your single insurance to your entire family (legally married spouse, dependent parents and parents-in-law, and dependent children). Any child over the age of three months can be insured under the policy as long as one adult is also covered.
Section 80D allows you to deduct up to Rs. 25,000 for protecting your health and the health of your dependant parents and children. Senior citizens are eligible for 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.
Every claim-free year earns you 5% more sum insured, up to a maximum of 50% more sum insured for the same 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)
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Here’s the claim process for health insurance.
Get admitted to one of the hospitals in the provider’s network.
Fax us your pre-authorization form and any supporting documentation.
Our ICICI Lombard Health Care team examines the claim and decides whether to accept, reject, or make enquiries.
The ICICI Lombard Health Care team settles your claim.
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.
One of the best cashback credit cards in India are shopping credit cards. These are specially designed to provide you tempting cashbacks and discount vouchers for when you go on a shopping spree. Just swipe your shopping credit card the next time you feel like getting some retail therapy to avail of cashbacks and discounts.
One of the best cashback credit cards in India are shopping credit cards. These are specially designed to provide you tempting cashbacks and discount vouchers for when you go on a shopping spree. Just swipe your shopping credit card the next time you feel like getting some retail therapy to avail of cashbacks and discounts.
One of the best cashback credit cards in India are shopping credit cards. These are specially designed to provide you tempting cashbacks and discount vouchers for when you go on a shopping spree. Just swipe your shopping credit card the next time you feel like getting some retail therapy to avail of cashbacks and discounts.
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