Best General Health Insurance Plan
General health insurance is a vital financial safety net for individuals and families. At Parivaar, you can compare the best health insurance plans in India to protect you against hospitalization expenses, medical treatments, surgeries, medicines, diagnostic tests* and more—helping you avoid unexpected financial stress.
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Types of General Health Insurance Plans in India
Choose from a range of health insurance policies designed to fit your needs based on your age and life stage.
Individual Health Insurance
Insures an individual with premiums and benefits based on age, lifestyle, and overall health.
Family Floater Health Insurance
One policy for the entire family with a common sum insured accessible to any member.
Senior Citizen Health Insurance
Specialized policy for individuals over 60 years, covering pre-existing ailments and age-related illnesses.
Critical Illness Insurance
A lump sum payout upon diagnosis of serious diseases like cancer, heart attack, or stroke.
Maternity Health Insurance
Add-on coverage available with a waiting period for maternity-related expenses, including delivery and care.
Coverage and Benefits of Health Insurance Policies
Given below is an indication. Read the offer document carefully.
Room Rent
ICU Charges
Doctor's Consultation
Surgery Expenses
Medical Tests
Medicines
Each feature is subject to policy conditions, sub-limits, and exclusions. Always refer to specific policy documents or consult with the insurer for details.
Simple & Quick Claim Process
We offer a fast, transparent, and convenient health insurance claim process in 4 easy steps
Inform Immediately
Notify us within 24 hours of hospitalization via our website, mobile app, or helpline
Pre-authorization
Apply for pre-authorization to enjoy cashless treatment at any of our network hospitals
Treatment & Care
Focus on your recovery while we coordinate directly with the hospital for claim settlement
Claim Settlement
Claims are settled directly with the hospital for cashless treatment, or reimbursement is processed within the standard turnaround time
Frequently Asked Questions
Find quick answers to the most common questions about filing insurance claims.
What types of health insurance plans are available?
You can buy indemnity (cashless/reimbursement) plans, fixed-benefit plans, family floater plans, and standard plans such as Arogya Sanjeevani (as per IRDAI).
Can I get cashless treatment in hospitals?
Yes — most insurers have a network of cashless hospitals in metro and district cities. Check whether the hospital is in the insurer's network before admission.
What is the waiting period for pre-existing diseases?
Waiting periods for pre-existing diseases can be up to 36 months. New IRDAI norms may reduce this. Some insurers cover conditions like Asthma, BP, Cholesterol, Diabetes, and Cataracts from the 31st day with an extra premium..
Does the policy cover AYUSH / alternative treatments?
Under IRDAI's updated guidelines (2025), many health policies must now allow AYUSH treatments (Ayurveda, Unani, etc.) in hospitals recognized by government-approved bodies as inpatients.
What is the maximum entry age / renewal age for health insurance?
Many insurers allow entry up to 65 years and offer lifetime renewals, especially after the 2025 reforms. Always verify with us while taking the policy.
Are pre-hospitalization and post-hospitalization costs covered?
Yes — standard policies like Arogya Sanjeevani cover pre-hospitalization (30 days) and post-hospitalization (60 days) costs around the treatment date.
If I miss renewal by a few days, can I still renew?
Yes, most insurers allow a grace period (usually 30 days) for renewals. However, any break in coverage may reduce benefits or lead to claim rejections.
What medical tests will I need for a higher sum insured?
For a high cover (e.g., ₹5 lakh+), basic tests (blood sugar, ECG, lipid profile, etc.) are required. If you live in Chennai/Madurai, these tests are typically available locally.
Will my health policy cover treatment outside India?
Within India — yes, provided the hospital is in-network (or reimbursement if out-of-network). Abroad — only if the plan explicitly includes international coverage.
What reasons lead to health claim rejection in policies?
Reasons may include non-disclosure of past medical history, waiting period not satisfied, treatment in an excluded-network hospital, policy lapsed, or treatment considered "cosmetic or experimental" and other reasons.
