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Sound health cover planning ensures you receive both, direct medical expenses and indirect expenses, as soon as any medical emergency or hospitalisation event occurs.
When investing, choose a health insurance solution that:
- Covers a wide spectrum of medical conditions from the most basic to the most critical health complication
- Includes a combination of reimbursement and fixed benefit plans, which enable you to meet health expenses that include direct and indirect costs
- An ideal health insurance solution must help cover for both the frequent and low cost medical expenses while also enabling adequate coverage to meet less frequent high cost critical complications as described in the diagram below

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Point to Remember: Select a health solution by taking into consideration factors such as income, age, number of dependants, quality of care desired, current coverage etc.
(Do visit our health insurance planner which would help you choose a plan based on these vital parameters)
Quick tip
When choosing a health insurance plan, ensure that the plan:
- Ensures long-term coverage
- Has very clear and transparent norms
- Provides a hassle free claims process
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