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Health Insurance

Health plans to protect your wealth

Get cashless treatments and coverage for pre- and post- hospitalisation expenses.

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Popular online health insurance plans

Right health insurance matters

Health insurance ensures peace of mind with coverage that safeguards your health and finances.
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Cover rising medical costs

Protect your savings from escalating medical costs.

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Manage critical illnesses

Ensure adequate cover to manage treatment costs related to critical illnesses.

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Cashless claims

Get cashless treatments at over 10,000 partner hospitals.

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Beyond corporate plans

Personal health insurance offers broader coverage without employer dependence.

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Tax savings

Save up to INR 75,000 on tax in a financial year.

Customise your policy with add-ons

Create your customised policy by adding the right add-ons based on your family construct and age.

Unlimited no claim bonus (NCB)

Multiply your coverage, every year.

Maternity benefit

Provides coverage for pregnancy-related expenses such as delivery and post-natal care.

Day 1 cover for lifestyle diseases

Zero waiting period for conditions such as diabetes, hypertension, asthma, and more.

No co-pay for senior citizens

Seniors enjoy complete coverage without having to make out-of-pocket contributions.

Reduction in waiting period

Reduce waiting period for pre-existing diseases (PED) and enjoy benefits early.

Why do you need health insurance?

We cover every policy type

Every person is unique, each with their own set of needs. Hence, our medical insurance plans cover individual, family, critical illness, senior citizen, and personal accident insurance needs.
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Individual health

Covers each family member separately with their own insured amount. Ideal for personalised coverage of medical expenses like hospital stays and surgeries.

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Family floater health

Shares a single insured amount among family members, making it cost-effective. Best suited for young nuclear families.

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Senior citizens health

Tailored for seniors, offering added benefits like mental health coverage and domiciliary hospitalization, though premiums may be higher.

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Personal accident plan

Offers coverage for medical expenses and financial support in case of accidental injuries. Avail of death and disability benefit in case of an unforeseen situation.

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Cancer cover

Provides comprehensive coverage for cancer treatment, including diagnosis, hospitalisation, and post-treatment care. Make no compromises during your fight against cancer.

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Critical illness

Covers high-cost illnesses like cancer or cardiac conditions with a lump sum payout. Available as standalone or add-on coverage.

Why insure with us?

Depend on the Jio Insurance brand and our simple insurance plans for worry-free coverages.
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    Adequate health cover

    Get the right health cover amount as per your financial needs.

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    Help to choose the best

    We help you choose plans from reputable health insurance companies in India.

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    Porting for better services

    We help you to port from your existing health insurance to save cost and enjoy better services.

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    Tax benefits

    Get tax benefit under Section 80D.

Why insure

Claims made simple

Raising an insurance claim is easy now. Know how.
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Education

Riders vs. Add-On Covers in Health Insurance: What's the Difference?
Health

Riders vs. Add-On Covers in Health Insurance: The Smart Buyer’s Guide to Better Protection

When you buy health insurance, you're not just investing in a policy—you're investing in peace of mind. But what happens when your base plan doesn't cover everything you need? That's where riders and add-on covers come into play. Both options enhance your health insurance coverage, but they do so in different ways. Let's delve into the distinctions to help you make informed decisions.

5 Essential Facts About Renewing Your Health Insurance
Health

Don’t Just Renew—Review! 5 Things You Must Know Before Renewing Your Health Insurance

Renewing your health insurance isn't just a routine task—it's a critical step in ensuring continuous protection against unforeseen medical expenses. Whether you're with a public sector insurer or a private provider, understanding the nuances of health insurance renewal can save you from potential pitfalls and enhance your coverage. Here are five essential facts to consider:

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Health

Comparing the Best Family Health Insurance Plans in India

In a country where medical inflation is rising at nearly double the rate of general inflation, protecting your family with a comprehensive health insurance policy is not a luxury—it’s a necessity. Whether it's your parents, spouse, or children, a single medical emergency can derail your savings. That's where family health insurance plans come in. But with so many plans available in the market, choosing the right one can be overwhelming. In this blog, we simplify the process by comparing the best family health insurance plans in India, helping you make an informed and confident decision—with insights from Jio Insurance Broking, your trusted partner in risk protection.

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Health

Are Accidental Injuries Covered Under Health Insurance in India

Accidents don’t knock before entering your life. Whether it's a minor slip or a major road mishap, medical emergencies caused by accidents can lead to sudden, hefty expenses. Fortunately, most health insurance in India offers coverage for accidental injuries — but there are important caveats and conditions you need to know. In this blog, we break down what accidental injury coverage really means under health insurance and how Jio Insurance Broking can help you make the right choices to stay protected.

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Health

Can You Buy Health Insurance Without a Medical Check-up?

When it comes to buying health insurance in India, one common concern that holds many people back is the medical check-up requirement. The idea of going through medical tests, waiting for results, and possibly facing rejection based on health conditions can feel overwhelming. But what if you could get medical insurance without a health check-up? Is it even possible? Let’s explore the evolving landscape of health insurance and understand how platforms like Jio Insurance Broking are making access to medical insurance more convenient and customer-friendly—sometimes even without a medical exam.

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Health

Claim Settlement Ratio vs. Incurred Claim Ratio: Which Metric Matters More?

Having health insurance is not enough; choosing the right insurance is what matters. Take the case of Raj, whose mother was hospitalised for a heart surgery. He was relieved, thinking that at least the health insurance he had purchased would take care of the hospital bills. Soon, his relief turned into anxiety when he faced documentation hassles, a delay in settlement and only a partial amount was settled at the end. That is when he realised the importance of choosing the right health insurance policy. The service quality varies from one insurance company to another. With thorough research and looking at a few details like claims ratios and other factors, you can evaluate the track record of the health insurance provider. When it comes to claim ratios, the claim settlement ratio as well as the incurred claim ratio are the two important metrics that give important insights for evaluation. Let us explore both the ratios, differences in them and which metrics matter the most.

Hear it from our customers

When it comes to customer service, don't just take our word for it.
“The online quote system was simple to use with clear options. The additional options are well laid out and explained on the website, so I knew exactly what I could buy and compare to what I want. Hence renewed my two-wheeler policy online without any trouble. Excellent website”
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Chirag Lukka

IT Manager

I renewed my health and motor policy on icicilombard.com and it was a seamless experience. On my previous policy, I had registered a claim last month and I was pleasantly surprised with the claim settlement process. It was extremely hassle free and quick.
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Abhishek Gupta

Program Manager

Extremely happy. Very satisfied with your express settlement of claims. My experience with you is unique as compared with others. I wish your company a very bright and prosperous future. Thank You!
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Amit Khandewal

Product Manager

“Buying car insurance has never been so easy. It just took me 5 minutes to buy the policy. Very easy and quick. Will recommend it to everyone.”
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Dr. Rupa Jha

Operations Manager

“The multiple options from various Insurers under one roof was helpful and gave me the confidence that I am opting for the right product as required. Excellent support provided by your advisor.”
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Kunal Sharma

Security Manager

“Renewing my Car insurance from Jio Insurance Broking was a great experience. Overall experience was really good and I was able to complete my transaction in just 5 minutes. I recommend everyone to buy from Jio Insurance Broking Limited.”
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Jamnadas Bhalani

Development Manager

“Buying ICICI Lombard car insurance from Jio Insurance Broking is great. It just took me 5 minutes to buy a policy online. Very easy and user friendly. Will recommend it to everyone.”
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Vikas Priydarshai

Blockchain Developer

“The team handled my renewal query and process very smoothly. They also convinced me to go for a personal cover policy which I am happy to opt for. They are a good asset to the team.”
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Kunal Chavda

IoT Specialist

“Extremely happy. Very satisfied with your express settlement of claims. My experience with you is unique as compared with others. I wish your company a very bright and prosperous future. THANKS ICICI LOMBARD”
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Leena Vaddella

Artificial Intelligence Engineer

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Frequently asked questions (FAQs)

In simple terms, health insurance is a type of insurance that covers medical expenses that arise due to unexpected illness or accidents. These expenses could be related to hospitalisation costs, surgeries, day care procedures, cost of medicines, etc.

Below is the list of available health insurance products:

  • Individual health insurance
  • Family health insurance
  • Top-Up health insurance
  • Senior citizen health insurance
  • Critical illness insurance
  • Hospital daily cash

A health insurance plan offers comprehensive medical coverage against:

  • Hospitalisation charges like bed charges, nursing charges, operation theatre expenses, etc.
  • Pre-hospitalization charges like ambulance expenses, diagnostic tests, etc.
  • Post-hospitalization charges like medicines, consulting, etc.

Whenever you plan to have a surgery/medical procedure that requires hospitalisation, there are certain pre-hospitalization expenses such as diagnosis cost, Doctor consultations, etc. Similarly, post-discharge, there could be similar expenses to monitor the health of the insured patient; such expenses are termed as pre and post hospitalisation expenses.

Below family members can be covered depending on the insurance plan:

  • Spouse
  • Dependent children
  • Dependent legitimate or legally adopted children
  • Parents/Parents-in-law