Health Insurance | Amcofinserve

Trusted by Thousands Customers

Health Insurance Plans

Your Support During Medical Emergencies

With rising medical costs, health insurance is essential. Find the best health plans for individuals, families, critical illness cover, and senior citizens — backed by a cashless hospital network.

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Cashless treatment at 5000+ hospitals

Why Health Insurance

Why every family needs health insurance

A medical emergency can drain your savings in days. Health insurance ensures you get the best treatment without worrying about the cost.

Cashless Treatment

Get treatment at network hospitals without paying anything upfront. We settle the bill directly with the hospital.

Emergency Coverage

Coverage for ambulance charges, ICU stays, surgeries, and all medical expenses during hospitalization.

Pre & Post Hospitalization

Coverage for medical expenses 30-60 days before hospitalization and up to 90 days after discharge.

Critical Illness Cover

Lump-sum payment on diagnosis of critical illnesses like cancer, heart attack, stroke, and more.

Plan Types

Cover built for every household

Choose from a wide range of health insurance plans tailored to your family's needs.

Individual Health Plan

Standalone cover for one person. Designed for individuals who want coverage specifically for themselves. Sum insured ranges from ₹2 Lakh to ₹50 Lakh.

Family Floater Plan

One sum insured for the whole family. Covers spouse, children, and parents under a single policy. Cost-effective and convenient.

Critical Illness Plan

Lump-sum payout on diagnosis. Covers 15+ critical illnesses including cancer, heart attack, kidney failure, and more. Payout is tax-free.

Senior Citizen Plan

Designed for parents and elders. Covers age-related health issues, with higher sum insured options and affordable premiums.

Corporate Group Health Plan

Group coverage for teams. Ideal for businesses, startups, and SMEs. Customizable plans for employees and their families.

Network Hospitals

Find a cashless hospital near you

We have tie-ups with 5000+ hospitals across India. Enter your city to find the nearest network hospital.

How It Works

Get health insurance in 4 simple steps

We've simplified the process so you can get coverage quickly and without hassle.

Share Your Details

Fill the enquiry form with your age, family members, and requirements.

Compare Plans

We'll show you the best health plans from top insurers that fit your needs.

Choose & Apply

Select the plan you like and complete the online application.

Get Your Policy

Your policy is issued within 24-48 hours. Download it instantly.

Key Features

What's included in our health plans

Cashless treatment at 5000+ network hospitals across India
No Claim Bonus — increase your sum assured every claim-free year
Pre & Post hospitalization — coverage for 30-60 days before and 90 days after
Free annual health checkup — preventive checkup at no extra cost
Tax benefits under Section 80D — save up to ₹25,000 on premiums
Maternity & newborn cover — coverage for delivery and newborn care

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Health Insurance Enquiry

Fill in your details and we'll get back to you with the best plan options.

Premium Calculator

Know your health premium instantly

Use our free calculator to get an estimated premium for your health insurance plan.

FAQ

Frequently Asked Questions

Find answers to the most common questions about health insurance.

1. What is the waiting period for pre-existing diseases?

Most health insurance plans have a waiting period of 2-4 years for pre-existing diseases. However, some plans offer a shorter waiting period of 1-2 years. At Amcofinserve, we help you find a plan that suits your health history. If you have any pre-existing condition, we recommend disclosing it upfront to avoid claim rejection later. We have plans that cover pre-existing diseases after a specific waiting period.

2. What is a cashless hospital network?

A cashless hospital network is a list of hospitals where you can get treatment without paying anything upfront. The insurance company settles the bill directly with the hospital. We have tie-ups with 5000+ network hospitals across India including Apollo, Fortis, Max, Manipal, and many more. Just show your health card at the hospital and get treated without any financial stress.

3. Can I buy health insurance for my parents above 60?

Yes! We offer senior citizen health plans specifically designed for parents and elders above 60 years. These plans cover age-related health issues like diabetes, hypertension, joint problems, and offer higher sum insured options up to ₹25 Lakh. The premiums are affordable and we have plans with no upper age limit for entry. We also offer family floater plans that include senior citizen parents.

4. What is No Claim Bonus (NCB)?

No Claim Bonus is a reward for not making any claim during a policy year. For every claim-free year, your sum assured increases by a certain percentage (usually 5-10%) at no extra cost. For example, if you have a ₹5 Lakh policy and don't claim for 5 years, your sum assured can increase up to ₹7.5 Lakh. This can go up to 50% of the base sum assured. NCB is a great way to get more coverage without paying higher premiums.

5. Is health insurance tax-deductible?

Yes! Under Section 80D of the Income Tax Act, you can claim a deduction of up to ₹25,000 for yourself, spouse, and children. An additional ₹25,000 deduction is available for senior citizen parents (above 60 years). If you and your parents are both senior citizens, you can claim up to ₹50,000. This deduction is available for premiums paid towards health insurance policies. It's a great way to save tax while protecting your family.

6. What is covered under pre and post hospitalization?

Pre-hospitalization covers medical expenses incurred 30-60 days before hospitalization like diagnostic tests, doctor consultations, lab reports, and medicines. Post-hospitalization covers expenses up to 90 days after discharge like follow-up visits, medication, physiotherapy, and rehabilitation. Both are covered up to a certain percentage of the sum assured (usually 10-20%). This ensures you get complete coverage from diagnosis to recovery.

7. What are the documents required for health insurance?

To buy a health insurance policy, you need: 1) Age proof (Aadhar, PAN, Voter ID), 2) Address proof, 3) Medical history (if any), 4) Recent medical reports (if required). For senior citizens, additional medical tests may be required. At Amcofinserve, we make the process completely digital — just upload your documents and get your policy issued within 24-48 hours.

8. What happens if I miss a premium payment?

Most health plans offer a grace period of 15-30 days to pay the premium. If you pay within this period, your policy continues without any penalty. If you miss the grace period, your policy may lapse, but you can revive it within 2-3 years by paying the due premiums with a small late fee. To avoid this, we recommend setting up auto-debit or renewal reminders. We also send you SMS and email reminders before your renewal date.