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When you buy health insurance online with Jio, you gain a trusted digital partner committed to securing your family’s health and finances:
We provide instant quotes and comprehensive comparison tools from the nation's top insurance providers.
Our dedicated team provides guidance and assistance throughout the claim filing process, 24 hours a day.
Seamless assistance with the complex process of easy renewal of expired policies or porting your policy to a new insurer.
Use our app to monitor your claim status in real-time for complete transparency.
Access a wide network of hospitals for hassle-free cashless hospitalisation.
Benefit from exclusive negotiated premiums and instant quotes only available through our digital platform.
Health insurance is a vital contractual agreement where the insurer commits to covering the medical expenses incurred by the policyholder, as per the policy terms. It is the core purpose of a health plan to provide a financial safety net against unpredictable and rising healthcare costs. This protection covers various costs, including hospitalisation, pre/post-hospitalisation, and day-care procedures.
A basic plan, for example, might cover a sudden five-day hospital bill of ₹1,50,000. Without insurance, this expense is borne entirely by you. By opting for a plan, you secure peace of mind and access to quality medical care without depleting your savings. We provide both indemnity (reimbursement-based) and fixed-benefit plans.
Health insurance works as a contract where you pay a regular premium, and in return, the insurer covers your medical expenses. Understanding the process is key:
After you buy health insurance online, the policy is issued. However, certain conditions (like pre-existing diseases) are subject to specific Waiting Periods before coverage activates.
When hospitalisation occurs, you utilise either cashless hospitalisation at a network hospital or pay upfront and claim later (reimbursement).
The insurer settles the medical bill (either directly or via reimbursement) after applying deductibles and checking for any sub-limits specified in the policy.
You must complete your annual health insurance renewal to ensure continuous coverage, or you can opt for portability to switch insurers without losing accumulated benefits.
Purchasing a health insurance plan provides crucial financial and personal security that goes far beyond simply covering hospital bills.
Access treatment instantly at Network Hospitals without paying upfront, ensuring zero financial stress during an emergency.
Premiums paid are eligible for a tax deduction under Section 80D of the Income Tax Act, offering dual benefits of security and tax savings.
It acts as a shield, ensuring that unexpected illnesses do not lead to significant financial liabilities or medical debt.
Many policies include annual preventive health checkups after a few claim-free years, promoting early detection and proactive health management.
Automatically reinstates the full Sum Insured after it is exhausted by a claim, ensuring continuous coverage within the same policy year.
Insurers often offer wellness discounts on the renewal premium if the policyholder meets specified health and fitness goals.
Choosing the right type of health plan depends entirely on your family's structure and financial needs. We offer comprehensive options from top insurers.
| Plan Type | Best For | Typical Sum Insured | Waiting Periods | Pros | Cons |
|---|---|---|---|---|---|
Individual Health Insurance | Single individuals or young couples with no dependents. | ₹5 lakh to ₹1 crore | 30 days (accidents usually covered immediately) | High coverage dedicated solely to one person; flexibility in customisation. | More expensive than a family floater for covering multiple members. |
Family Floater Policy | Families (spouses, dependent children) seeking one common cover. | ₹7 lakh to ₹50 lakh | Standard 2-4 years for pre-existing diseases | Highly economical way to cover the entire family under a single premium. | A claim by one member reduces coverage for all others until renewal. |
Senior Citizen Health Plans | Individuals aged 60 and above. | ₹3 lakh to ₹25 lakh | May have shorter limits for pre-existing disease coverage | Tailored to high-risk groups; covers specific age-related illnesses | Usually features higher premiums and potential co-payment clauses. |
Critical Illness Plan / Critical Care Riders | Anyone seeking protection against major diseases. | ₹10 lakh to ₹50 lakh | 90-day survival period is often required | Pays a lump sum upon diagnosis; helps cover non-hospital expenses | Does not cover the actual hospitalisation bills unless combined with a base plan |
Maternity & Newborn Cover | Young couples planning a family. | Up to ₹1 lakh (for maternity) | Longest waiting periods (2-4 years) are standard | Covers delivery expenses and newborn baby | High cost for the rider/plan; long mandatory waiting period |
Top-up & Super Top-up Plans | Anyone needing extra coverage above their existing base policy. | ₹10 lakh to ₹1 crore | Standard waiting periods apply after the deductible is reached | Affordable way to boost sum insured; only activates after the deductible is exhausted | Does not cover the initial medical costs up to the deductible limit |
Personal Accident & Hospital Cash Plans | Individuals seeking income replacement or fixed daily payout. | Variable (Daily cash or lump sum). | None (Accidents) | Provides a fixed daily cash benefit regardless of the actual hospital bill. | Does not function as an indemnity plan; limited use for major expenses. |
Enhance your policy and significantly reduce financial liability by selecting smart add-on covers. Here are the most popular options to customise your car insurance policy:
Also known as 'Bumper to Bumper' cover. Ensures full claim payment without deducting the cost for the depreciation of fibre, plastic, or metal parts. Highly recommended for new bikes.
Covers repair costs for engine and gearbox damage caused by water ingression (like during floods) or lubricant leakage, which a standard policy typically excludes.
Provides 24x7 support for services like towing after a breakdown, flat tyre change, emergency fuel delivery, and minor on-site repairs while travelling.
An essential cover for new bikes. In case of theft or total loss, you receive the full on-road purchase price (including registration and road tax).
Covers the cost of consumables like nuts, bolts, screws, engine oil, and grease used during the repair of your bike after an accident.
An optional cover that provides a payout for the replacement or repair of the rider's helmet damaged in an accident.
Extends the mandatory personal accident cover to the pillion rider, offering them financial compensation in case of accidental injury or death.
Allows you to retain your valuable No Claim Bonus (NCB) even after making one claim during the policy tenure
Covers the high cost of replacing your bike keys and/or ignition lock assembly if they are lost, stolen, or accidentally damaged.
Provides coverage for non-standard, legally fitted accessories (like designer seats or imported exhausts) that are damaged or stolen with the bike.
Health insurance riders (or add-ons) are supplementary covers you can purchase with your base health policy to enhance protection against specific risks for an extra premium. They are essential for customising your plan:
Maternity Cover: Provides coverage for delivery expenses (normal/C-section) and pre/post-natal care, typically subject to a long waiting period.
Critical Illness Rider: Offers a fixed lump sum payout upon diagnosis of a severe illness, helping cover non-hospitalisation costs like loss of income.
Hospital Cash: Provides a fixed daily cash allowance for every 24 hours of hospitalisation, regardless of the actual medical bill.
Ambulance Cover: Specifically covers emergency ambulance charges, which are often subject to a sub-limit or exclusion in the base policy.
OPD Cover: Converts routine Outpatient Department consultations, diagnostics, and pharmacy expenses into a reimbursable benefit.
Donor Expenses: Covers the medical and surgical expenses related to harvesting an organ from a donor.
Enhanced Maternity: May reduce the mandatory waiting period for maternity claims or increase the maximum payout limit.
When to Buy Riders vs. Standalone Bike Insurance Plans:
Cost-Benefit: Riders are generally much cheaper than buying a separate, standalone Critical Illness or Maternity plan.
Ease of Management: A rider is tied to your base policy, simplifying health insurance renewal and management through a single document and payment.
Starting early with your health insurance purchase is one of the smartest financial decisions you can make, offering cumulative benefits throughout your life:
Premiums are significantly Lower when you are young and healthy. For example, a base premium of ₹7,000 at age 25 may rise to ₹14,000 or more by age 45 due to increasing health risk.
Young applicants face easier underwriting and are less likely to be subjected to detailed medical tests or harsh exclusions, ensuring better eligibility.
Buying early allows you to comfortably pass the mandatory Waiting Periods (2-4 years for pre-existing diseases), ensuring full coverage is active when you eventually need it.
You benefit from longer coverage and may accumulate NCB analogues (cumulative bonuses) for claim-free years, increasing your effective Sum Insured without raising the base premium.
An early-purchased, continuous policy makes future health insurance renewal easier and provides strong grounds for portability to another insurer if required.
Determining your ideal health cover requires a personalized assessment of your risk profile, not just choosing the cheapest premium. Use these rules to guide your decision:
How to Choose the Right Sum Insured:
Consider Medical Inflation: Factor in the annual rise in medical costs (typically 10-15% inflation) to ensure your chosen Sum Insured remains adequate over the policy term.
Family Size & Health: A larger family or the presence of members with pre-existing conditions demands a higher floater cover, or dedicated individual covers for the high-risk members.
City of Residence & Lifestyle: High-cost metropolitan cities require higher coverage (e.g., Mumbai, Delhi). A high-stress lifestyle may also warrant a higher plan.
Use the Sum Insured Calculator: Utilise Jio’s sum insured calculator tool to get a precise recommendation based on the above variables.
| Profile | Recommended Minimum Base Sum Insured (SI) | Decision Logic |
|---|---|---|
Single Adult (Age 25-35) | ₹7-10 Lakh | Focus on high SI at a low premium for future health certainty. |
Family of 4 (Parents + 2 Kids) | ₹15-20 Lakh (Floater) | Ensure SI is high enough for a single event involving the highest-risk member. |
Senior Couple (Age 60+) | ₹10 Lakh + ₹25 Lakh Top-Up | High base cover with a Top-Up to counter the high probability of multiple claims. |
Health insurance coverage is comprehensive but defined by specific categories, ensuring all essential medical costs are addressed:
Hospitalisation Expenses: Covers room rent, ICU charges, and nursing expenses.
Surgeon/Doctor Fees: Covers fees charged by surgeons, anesthetists, and medical practitioners.
Diagnostic Fees: Covers costs for X-rays, pathology tests, and other required diagnostic procedures.
Pre & Post Hospitalisation: Covers medical expenses incurred for a specified number of days before admission and after discharge.
Daycare Procedures: Covers procedures that require less than 24 hours of hospitalisation due to advanced technology.
Ambulance & Organ Donor: Covers emergency ambulance charges and expenses related to organ donor screening/surgery.
AYUSH (if provided): Coverage for treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy, if included by the insurer.
Optional/Conditional Covers
Maternity & Newborn Cover: Covers delivery expenses and newborn baby treatment, usually subject to a 2-4 year waiting period.
Critical Illness Payouts: Provides a lump sum payout upon diagnosis of a covered severe illness, often purchased as an add-on.
It is critical to understand the items and conditions that are not covered in health insurance to avoid claim rejection. Insurers follow strict guidelines for these exclusions:
Cosmetic Treatment: Procedures or surgeries purely for aesthetic purposes, such as plastic surgery (unless reconstructive surgery after an accident).
Self-Inflicted Injuries: Injuries resulting from suicide attempts or deliberate self-harm.
Alcohol/Drug-Related Incidents: Treatment arising from injuries or illnesses sustained while under the influence of alcohol or drugs.
Experimental Treatments: Procedures or treatments deemed experimental, unproven, or not commonly accepted by the medical fraternity. ** Untreated Pre-Existing Conditions**: Treatment for pre-existing conditions before the specified waiting period is completed.
Routine OPD (unless OPD cover): General outpatient department consultations, non-prescribed diagnostic tests, and routine check-ups are typically excluded unless a specific OPD add-on is purchased.
Dental Treatment: Non-surgical dental treatment or eye-sight correction (unless required due to an accidental injury).
Always read the policy terms and conditions (T&C) thoroughly to understand specific insurer-specific exclusions and clauses.
If you are wondering who can buy health insurance, the basic health insurance eligibility rules are simple, though they vary by product:
Age Limits: The minimum age for adult enrollment is usually 18 years, while maximum entry ages range from 65 to 70 years, varying by product.
Medical Screening: Applicants above certain ages (e.g., 45-50 years) or those with adverse health history may be required to undergo mandatory medical tests.
Pre-existing Condition Rules: While all conditions are covered after the waiting period, severe or undisclosed pre-existing condition rules may lead to stricter terms or plan rejection.
Documentation (KYC): A valid photo ID and address proof (KYC) are mandatory, along with the correct application form submission.
Waiting Period Specifics: Enrollment starts the waiting period clock, even if you are fully healthy upon purchase.
Group Criteria: For employer-linked plans, you must meet the employment or dependency criteria defined by the group policy.
Our fully digital process makes it easy to secure your health coverage with zero paperwork. Follow these steps to buy health insurance online instantly:
Tips for Best Results:
Accurate Medical History: Always declare your full and accurate medical history to avoid claim rejection later.
Correct Sum Insured: Use our calculator to choose the correct sum insured—do not under-insure to save a few rupees on the premium.
Network Check: Compare network hospitals to ensure your preferred facilities are available for cashless hospitalisation.
Choose between an Individual or Family Floater plan and enter your age, pincode, and contact details.
Provide accurate current and past medical history. Compare quotes from our wide network of insurers to find the best plan and premium.
Choose the desired Sum Insured and select essential riders like Zero Depreciation or Critical Illness based on your family's needs.
Complete the mandatory document submission (e.g., ID/Address proof) and make the secure digital payment.
Receive your digital policy document instantly via email and the Jio app.
To use a health insurance premium calculator effectively, you must understand the key factors affecting premiums. These variables help the insurer assess your risk profile:
Age & Sum Insured: Premium is directly linked to age (higher for older people) and the chosen sum insured (higher SI means higher premium).
Family Size & Plan Type: A family floater policy is usually cheaper per person than multiple individual plans for the same total coverage.
Location: Living in a Metro city (Tier 1) with higher healthcare costs generally results in a higher premium.
Health Status: Pre-existing conditions may increase the premium or lead to specific exclusions for that condition.
Lifestyle & Habits: Lifestyle factors, such as smoking, drinking, or high BMI, can significantly raise the base premium.
Policy Tenure: Choosing a long-term policy tenure (2 or 3 years) can sometimes result in a discount compared to annual renewal.
Deductible & Co-Pay: Selecting a higher co-pay & deductible voluntarily lowers your upfront premium, as you agree to bear more risk during a claim.
Claims History: A poor claims history (frequent claims) may lead to a higher premium at renewal.
Age
These three concepts are crucial for understanding the limitations and benefits of your health insurance policy:
Typical Waiting Periods:
30-Day Period: A mandatory waiting period for all new policies before coverage for illness (sickness) claims begins (accidents are covered immediately).
Specific Illnesses: A 1-2 year waiting period applies to certain treatments like hernia or cataract surgery.
Pre-Existing Conditions: The longest waiting period health insurance enforces is typically 2 to 4 years for any pre-existing medical condition.
What Gets Covered After Waiting Period: Once the waiting period expires, full coverage for the pre-existing condition or specific illness activates, allowing for complete claim reimbursement.
Policy Portability Concept & Process: Policy portability allows you to switch your health insurer without losing the credit you accumulated towards the waiting periods (e.g., if you complete 2 years with Insurer A, you carry that credit to Insurer B).
Documentation Needed When Porting: You must provide your current policy document, health insurance renewal history, and a completed portability application form at least 45 days before the expiry date.
After you purchase or renew your plan, getting your download health insurance policy document is instant and easy:
Email/SMS: Your digital policy document (PDF) is instantly sent to your registered email address, and an SMS/WhatsApp link is provided for quick access. Check your spam folder if it does not appear immediately.
Jio Portal/App: Log in to the Jio Insurance portal or mobile application. Navigate to the ‘My Policies’ section to view and get policy copy as a PDF file anytime.
Missing Policy: If the document is missing after 30 minutes, contact our 24/7 customer support team with your application reference number. We will ensure a fresh copy is resent immediately.
**Duplicate Physical Copy: Contact the insurer directly to request a duplicate physical copy of the policy document via courier.
The final premium you pay is a reflection of your risk profile, determined by the following factors affecting health insurance premiums:
Age: Premiums increase with age as the risk of illness rises.
Plan Type: Insurance Plan Type (Individual vs. Family Floater) impacts the rate per person.
Sum Insured: A higher Sum Insured leads to a higher premium.
Health Status: The presence of a pre-existing disease will result in a loading (higher premium) or a specific exclusion.
Lifestyle: Habits like smoking lead to significantly loaded premiums due to increased health risks.
Work Nature: A risky nature of work (e.g., jobs involving hazardous materials) can also influence the premium.
No of Members: The more members you cover under a floater plan, the higher the total premium.
Deductibles/Co-Pay: Choosing a higher deductible or co-pay will lower the premium.
Securing comprehensive coverage does not have to mean paying the maximum. Follow these tips to find affordable health insurance and save on health insurance premium:
Buy Early: Purchase your plan when you are young and healthy to benefit from permanently lower base premiums.
Higher Deductibles/Co-Pay: Opt for higher deductibles/co-pay voluntarily to reduce the initial annual premium cost.
Family Floater: Choose a family floater plan instead of multiple individual policies for a cheaper premium per member.
Compare Online: Always compare online quotes from multiple insurers on the Jio platform to find the most competitive rate.
No-Claim Incentives: Maintain a healthy lifestyle and avoid small claims to earn no-claim incentives (cumulative bonus) at renewal.
Correct Sum Insured vs Top-Up: Instead of buying a massive base plan, get a moderate base cover and supplement it with an affordable top-up plan for a high Sum Insured at a lower total premium. ** Wellness Discounts**: Participate in the insurer's wellness programs to earn discounts on your renewal premium.
Health Insurance Portability is a right granted by IRDAI that allows you to switch your health insurer without losing the credit earned for the completed waiting period health insurance terms under your existing policy. ** How Portability Works:**
Application: You must apply for portability with the new insurer at least 45 to 60 days before your current policy's renewal date.
No Policy Break: The policy must be continuously renewed without any gap or break to ensure all benefits are carried over.
Benefit Transfer: The new insurer is obligated to credit you for the time you completed on your waiting periods (e.g., pre-existing conditions and specific illnesses) with the previous insurer.
Key Benefits of Portability:
Better Coverage: Switch to a plan that offers better coverage (e.g., higher Sum Insured or new add-ons) that your previous insurer lacked.
Lower Premium: Move to a new insurer who offers the same or similar coverage at a lower premium.
Improved Service: Change insurers if you are dissatisfied with the previous insurer’s Claim Settlement Ratio or customer service.
No Loss of Credit: Crucially, you do not have to restart the 2-4 year waiting period clock for your pre-existing conditions.
This section meets the 200–250 word limit and is formatted as a glossary for a high E-E-A-T signal.
| Term | Definition |
|---|---|
Sum Insured | Maximum amount the insurer pays for all claims in a year. |
Premium | The fixed amount paid annually to keep the policy active. |
Deductible | A compulsory fixed amount you pay before the insurer covers the rest. |
Co-pay | A percentage of the claim amount you must compulsorily bear. |
Waiting Period | The time (e.g., 2-4 years) before coverage for specific conditions activates. |
Pre-existing disease | Any condition diagnosed or treated within 48 months before buying the policy. |
Portability | The right to switch insurers without losing waiting period credit. |
Sub-limit | A cap on the maximum amount payable for a specific expense, like Room rent capping. |
Network hospital | Insurer-approved facility offering direct cashless hospitalisation. |
Restoration benefit | Reinstates the Sum Insured after it is fully exhausted by a claim. |
Premium loading | An extra premium charged due to higher risk (e.g., smoking or pre-existing disease). |
No Claim Bonus (NCB) | An increase in Sum Insured or discount on premium for claim-free years. |
In-patient hospitalisation | Admission to a hospital for more than 24 hours for medical treatment. |
OPD cover | An add-on that covers Outpatient Department consultations and diagnostics. |
AYUSH | Coverage for alternative treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy). |
More insurance options for you
A standard comprehensive policy covers hospitalisation expenses, doctor/surgeon fees, diagnostic tests, ambulance charges, and pre- and post-hospitalisation expenses for a specified period. It generally does not cover routine outpatient check-ups or cosmetic procedures.
Waiting period is the mandatory time (e.g., 2 to 4 years) during which you cannot claim for specific illnesses. Pre-existing disease can be covered, but only after this compulsory waiting period is successfully completed through continuous health insurance renewal.
Family floater is generally better for young families, as it is cheaper and covers everyone under one Sum Insured. An Individual plan is better for single individuals or senior citizens, ensuring a higher, dedicated Sum Insured only for one high-risk person.
Under cashless hospitalisation, you seek treatment at a Network hospital, the hospital sends a pre-authorisation request, and the insurer pays the approved bill directly. You only pay for any non-covered items, deductibles, or co-payments.
Premiums paid for your health insurance are eligible for tax deductions under Section 80D of the Income Tax Act. You can claim deductions for covering yourself, your spouse, children, and parents, providing a dual benefit of security and tax savings.
Yes, you can port your policy to a new insurer. The main benefit is that you do not lose the credit accumulated towards your waiting periods. The new insurer must cover your pre-existing disease after the waiting period time you have already served.
OPD and maternity are generally not included in base plans but can be added as riders or purchased as specific policies, often with long waiting periods. Critical illness is typically a fixed-benefit rider that pays a lump sum payout upon diagnosis.
Claims are processed through either the cashless hospitalisation process or reimbursement. Reimbursement claims take longer, usually settled within 7 to 30 days after the insurer receives all the required original documents required for health insurance claim verification.
Common exclusions are cosmetic treatments, self-inflicted injuries, treatment for substance abuse, non-medical expenses (like consumables), and treatment for pre-existing disease within the waiting period. Always check the specific policy terms (T&C) for full details.
Evaluate your family's size, age of the oldest member, medical history, and location. Choose a high Sum Insured to counter medical inflation, compare Network hospital lists, and check the insurer's Claim Settlement Ratio and reviews before buying.
The No Claim Bonus (NCB) is a reward given at health insurance renewal for not making any claims in the preceding year. It usually increases your Sum Insured without raising your premium, encouraging proactive health management and continuity.
Yes, you can request to increase your sum insured at the time of health insurance renewal. The insurer may require a medical check-up, especially for large increases or if you are older, and the premium will be revised accordingly for the higher coverage.
Immediately notify the insurer/TPA via phone or app. For cashless, submit a pre-authorisation form at a network hospital. For reimbursement, pay all bills, collect originals, and submit them along with the claim form within the stipulated timeframe.
You need a valid identity and address proof (KYC documents), a PAN Card, and, if applicable, the previous policy copy for renewal or portability. For applicants above a certain age, a medical examination report may also be required for underwriting.
Yes, there are age limits. The minimum age for adult enrollment is 18 years. The maximum entry ages range, with many senior citizen plans covering up to 65 or 70 years, though premiums and co-payments are significantly higher.
Generally, yes. Most policies are valid PAN-India, meaning you can receive treatment in any state. However, the availability of cashless hospitalisation depends on the specific Network hospital agreements the insurer has in that particular city or state.
Most comprehensive plans include pre- and post-hospitalisation expenses. Pre-hospitalisation covers diagnostics before admission (e.g., 30 days), and post-hospitalisation covers follow-up tests and medication after discharge (e.g., 60-90 days), up to specified limits.
Many policies impose a room-rent sub-limit (e.g., capping it at 1% or 2% of the Sum Insured) or room-type restrictions (e.g., only semi-private rooms). Choosing a room above this limit will lead to a proportional deduction from your entire claim.
Yes, most modern policies cover daycare or daycare-procedure treatments. These are surgical or medical treatments that require less than 24 hours due to technological advancements (e.g., chemotherapy, cataract surgery), provided they are listed in the policy.
A group health insurance plan is provided by an employer or association and covers its members. It differs because it usually has lower premiums, minimal or no waiting period health insurance terms, and guaranteed acceptance without medical underwriting for employees.
Typically, group health insurance does not require medical examination or underwriting for employees joining the plan. This makes it easier to secure coverage, even with a pre-existing disease, though family members added to the group plan might require underwriting.
If admitted to a non-network hospital, the process will be reimbursement. You must pay all medical bills upfront and then submit the original documents and bills to the insurer/TPA within the stipulated timeline to receive a refund of the approved claim amount.
You must check if your hospital qualifies for cashless treatment by consulting the insurer's Network hospital list, which is available on their portal, app, or our website. Only hospitals explicitly listed as network partners offer the direct settlement facility.
Plans with zero waiting period or “day-1 coverage” are rare and are usually limited to group health insurance plans or specific accidents. Individual policies always have the mandatory 30-day initial waiting period and the 2-4 year pre-existing disease waiting period.
Yes, the policy can have a co-payment (fixed percentage you pay) or sub-limits (cap on specific costs). This means your out-of-pocket expenses during a claim will be higher, but your annual Premium may be lower due to you sharing more risk.
Lifestyle diseases (e.g., diabetes, hypertension) and recurrent illnesses are considered pre-existing diseases if diagnosed before buying the policy. They will be covered only after you have completed the mandatory 2 to 4-year waiting period specified in your policy document.
A “standalone health insurer” (like HDFC Ergo Health) deals only in health insurance, offering specialised plans. A “general insurer with health plans” (like Bajaj Allianz General Insurance) offers various products, including health, car, and home insurance.
Standard individual health insurance policies are only valid within India and do not offer international coverage. You must purchase a separate international travel insurance policy or an international health cover rider for treatment outside the country.
Yes, many policies now cover AYUSH or alternative treatments (Ayurveda, Homeopathy, etc.). However, this coverage is subject to specific sub-limits and is only valid if the treatment is taken at a government-recognized or accredited facility, as per IRDAI guidelines.
An individual covers one person with a dedicated Sum Insured (SI). Family Floater covers multiple family members under a single, shared SI. Floater generally refers to any policy where SI is shared, with Family Floater being the most common type.
Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)
(9.30 AM - 6.30 PM, Monday to Friday)
U67200MH2006PLC165651
1st Floor, Building - 4NA, Maker Maxity, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra - 400051
Discount is offered by the insurance company as approved by IRDAI for the product under file & use guidelines.
Insurance is a subject matter of the solicitation. For more details on policy terms, conditions, exclusions, limitations, please refer/read policy brochure carefully before concluding sale.
© 2026 Jio Insurance Broking Ltd. All rights reserved.
Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)
(9.30 AM - 6.30 PM, Monday to Friday)
U67200MH2006PLC165651
1st Floor, Building - 4NA, Maker Maxity, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra - 400051
Discount is offered by the insurance company as approved by IRDAI for the product under file & use guidelines.
Insurance is a subject matter of the solicitation. For more details on policy terms, conditions, exclusions, limitations, please refer/read policy brochure carefully before concluding sale.
Copyright © 2026 Jio Insurance Broking Ltd.
