Why Choose Us
Comprehensive Coverage
At Insurance Mart, we offer a range of health insurance products designed to meet your needs. Our plans provide comprehensive coverage options to ensure you and your family are protected. We compare plans across multiple insurers and guide you on claims.
Inpatient Hospitalization
Complete coverage for room rent, nursing, and boarding expenses during hospitalization periods of 24 hours or more.
Pre & Post Hospitalization
We cover medical expenses incurred 30-60 days before admission and 60-90 days after discharge.
Daycare Procedures
Coverage for 500+ advance medical treatments that require less than 24 hours of hospitalization.
Health Check-ups
Preventive health check-up benefits available annually for all insured members to keep track of your health.
Outpatient Treatments
OPD coverage for consultations, diagnostics, and pharmacy expenses without admission.
Key Benefits
- Cashless Network Hospitals
- Pre-existing Disease Cover
- Family Floater Options
- Tax Save u/s 80D
Already have a basic policy?
Is Your Health Cover Really Enough? Here’s how to strengthen it with Super Top-up, Personal Accident and Critical Illness plans.
A large share of Indians either have no cover at all or only a small base policy, so one major hospitalisation can still wipe out savings.
A Super Top-up can increase your total cover to ₹25 lakh or more at a low extra premium, while using your existing policy as the first layer.
A Personal Accident policy gives high lump-sum protection for accidental death or disability, which normal health plans do not adequately cover.
A Critical Illness plan pays a lump sum on diagnosis of major illnesses, helping with income loss, EMIs, and non-medical costs that basic health insurance does not pay.
Not sure what you need? Ask us for a free cover review.
Top Picks
Leading Health Insurance Products
Explore the most popular and comprehensive health insurance plans from reputed insurers.
Activ YUVA
Power-packed with 100% HealthReturns™, Day 1 Chronic care & Unlimited refill. Most featured plan yet!
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Star Women Care
Comprehensive health & maternity cover for women. Delivery & newborn benefits.
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Out Patient Care
Covers OPD consultations, diagnostics & medicines. Standalone policy.
View Plan
ReAssure 2.0
Optima Secure
Care Supreme
Elevate
Power of infinite personalisation. AI-powered plan with infinite sum insured.
View PlanAre you an NRI?
NRIs get a huge amount of discount in premium (up to 35% on base policy). Overall savings can reach 72%.
What is Covered?
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In-patient Hospitalization: Room rent, doctor fees, nursing, and medicines during stay.
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Pre & Post Hospitalization: Medical expenses 30 days before and 60 days after admission.
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Day Care Procedures: Surgeries like cataract, dialysis, etc., taking less than 24 hours.
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Domiciliary Treatment: Treatment taken at home under medical advice.
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AYUSH Benefits: Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
What is Not Covered?
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Pre-existing Diseases: Usually not covered for the first 2-4 years (waiting period).
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Cosmetic Treatments: Plastic surgery, dental implants, or aesthetic treatments.
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Self-Inflicted Injuries: Injuries arising from suicide attempts or intentional harm.
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Intoxication: Health issues due to excessive alcohol or drug abuse.
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War & Nuclear Perils: Damages caused by war, riots, or nuclear contamination.
Key Factors Before Buying
Sum Insured
Choose a coverage amount (e.g., 5-10 Lakhs) that accounts for rising medical inflation.
Network Hospitals
Ensure the insurer has a wide network of cashless hospitals near your location.
Waiting Period
Check the waiting period for pre-existing diseases (PED). Lower is better.
Room Rent Limit
Opt for plans without room rent capping to avoid proportionate deductions.
Co-payment
Avoid plans with mandatory co-pay where you have to pay a % of the claim.
Claim Settlement
High Claim Settlement Ratio (CSR) indicates the insurer is reliable.
Benefits of Buying Early
Lower Premiums
Premiums are significantly lower when you are young and healthy.
Serve Waiting Periods
Pass the waiting periods for PEDs while you don't need to make a claim.
No Medical Tests
Young buyers often don't need pre-policy medical check-ups.
Tax Savings
Save tax under Section 80D from an early stage of your career.
Common Insurance Terms
Ready to Secure Your Health?
Getting insured is easier than ever. Fill out our simple online form or speak to our experts directly.