Have a doubt on your mind?
Get the solution for all your insurance queries
Lets get started
We want to give you the best answers, and it all starts with your details.
Continue
We promise not to spam you with calls, just unbiased advice to all your insurance related queries

Understanding insurance is easy

Monthly thousands of people share their problem and get the solutions on AskPB. If you also have need help with buying a new policy or existing policy, share it with us.

Looking to buy new plan? Explore best plans or talk to our insurance experts
Already have a policy with us? All the help with your policy are just a click away
Any other query? All the help with your policy are just a click away

Ask our team anything, anytime

Insurance got you feeling like a fish out of water? Drop us a question and our team will cast a net of knowledge. Join the thousands who've found answers with us!

HB
Hanumaraddy B Hullatti

Of Genuine health insurance company

Policybazaar Team

Hello, Thanks for writing in. Health insurance is a type of insurance that covers the medical expenses incurred by an individual in case of hospitalization or sudden illness. The benefits of buying a health insurance plan include financial protection against medical costs, access to quality healthcare, and knowing that you are covered in a medical emergency. Some health insurance plans also offer benefits such as cashless hospitalization, coverage for pre-existing conditions, and tax benefits under Section 80D of the Income Tax Act.

While some features may differ from plan to plan, some key terms and conditions for nearly all comprehensive health policies include:
1. All pre-existing diseases have to be declared at the time of submitting the proposal form to avoid rejection of claims in the future
2. The insurer may require you to go through tele- or physical medical tests based on your age and health condition
3. Across all health insurance policies, you must serve specific waiting periods (when you cannot claim treatment for specified diseases). The waiting periods may differ slightly across plans.

You can find out more features and benefits of health insurance and check out various policies here: Health Insurance.

Find answers by Insurance type

Insights Hub at PBLife

Leaders speak Learn the tips & benefits of selecting the right insurance coverage.
Webinars Learn the tips & benefits of selecting the right insurance coverage.
Podcast Get all the insights from our team of insurance professionals.
What’s new Check out the latest news from our company

Stories & Articles

Most Common Life Insurance Frauds in Ind... Most Common Life Insurance Frauds in India Life insurance fraud is a financial ... read more
24 Apr 2024 by Policybazaar 2043 Views
Credit Protection in Term Insurance Credit Protection in Term Insurance Term insurance is a crucial financial safet... read more
06 Mar 2025 by Policybazaar 123 Views
What is the Right Age to Purchase a Heal... What is the Right Age to Purchase a Health Insurance Policy? Every person must h... read more
30 Sep 2021 by Policybazaar 21605 Views
Choosing the Right Motorbike for Senior ... Choosing the Right Motorbike for Senior Citizens The open road calls to riders ... read more
06 Mar 2025 by Policybazaar 120 Views
Choosing the Right Motorbike for Senior ... Choosing the Right Motorbike for Senior Citizens The open road calls to riders ... read more
06 Mar 2025 by Policybazaar 120 Views
Medical Tourism Risks: Why Travel Insura... Medical Tourism Risks: Why Travel Insurance Matters No human is free from sickne... read more
13 Feb 2025 by Policybazaar 161 Views