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In today's fast-paced world, protecting your health and your family's financial well-being is more important than ever. A life insurance policy with health benefits provides a dual shield: it ensures your loved ones are financially secure in case of your untimely demise and supports you during health-related emergencies. Let's explore this combination and why it might be the smart choice for holistic financial planning.
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Life insurance with health benefits is a comprehensive policy that combines traditional life cover with medical support. It includes benefits such as hospitalisation cover, critical illness riders, wellness services, and more, all under a single plan. This type of life insurance plan ensures you are covered during medical and life emergencies.
Term Plans
Comprehensive Coverage: A single life insurance policy, like a term insurance policy, offers protection against the financial burden of both death and health emergencies.
Simplified Management: Managing one combined policy is easier than juggling separate health and life insurance policies.
Expensive Consultations: Insurers offer health management services that allow free access to several consultations, OPD, and other medical services.
Tax Benefits: Enjoy life insurance tax benefits with deductions under Section 80C for life insurance premiums and under Section 80D for health insurance components.
Peace of Mind: Knowing that your medical and life risks are covered brings a strong sense of security.
Various life insurance companies now offer health management services with term insurance that allows customers to receive up to ₹36,500 p.a. of health management services in the form of free comprehensive health checkup, including cancer screening, free OPD in-clinic consultations, unlimited diet, nutrition and psychologist consultations, unlimited insta-consultations with expert doctors, and pregnancy OPD wallet.
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Many life insurance policies now come with optional health-related riders or built-in features:
Critical Illness Rider: Offers a lump sum if diagnosed with serious illnesses such as cancer, heart disease, or stroke and more as per the rider documents of the plan.
Hospital Cash Benefit: This rider pays a fixed amount per day for each day of hospitalisation in the general ward and ICU wards.
Accidental Death and Disability Cover: With this rider, you receive extra financial protection in the case of accidents.
Bundling life and health plans into a single insurance can lead to meaningful savings:
Lower Premiums: The premiums for two separate life insurance and health insurance plans will be much higher than for a combined plan, as insurers often offer discounts when you opt for a combined policy.
Reduced Out-of-Pocket Expenses: Medical bills can be reimbursed or cashless, easing the strain on your finances.
Tax Efficiency: Maximise savings with dual tax benefits on life and health components with tax deductions under 80C and 80D.
Choosing a life insurance with health benefits involves:
Assessing Your Needs: Consider your current health condition, family medical history, and financial goals.
Comparing Options: Look at premiums, sum assured, waiting periods, and term insurance rider availability.
Checking Claim Settlement Ratio: Choose insurers known for prompt and transparent claim processes.
Reading the Fine Print: Understand policy exclusions, limitations, and terms before signing up.
Term insurance is known for offering high coverage at affordable rates. When coupled with health management services or critical illness riders, it becomes a powerful tool for protecting both your life and well-being.
Various term insurance plans now come with built-in wellness programs, fitness rewards, doctor-on-call services, and even discounts on pharmacy bills. This not only enhances the value of your term plan but also helps you stay healthy and proactive.
Life insurance with health benefits is a smart and holistic approach to securing your future. It ensures your family is financially protected in your absence, while giving you the medical support you might need in your lifetime. Whether you’re just starting your financial journey or reviewing your current coverage, consider exploring these combined insurance solutions for complete peace of mind.
Having both means you're protecting yourself from high healthcare costs now, and also securing your family's future in the long run. It’s a balanced way to stay financially prepared for both expected and unexpected life events.
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
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