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We offer a variety of health insurance covers that can suit your requirements. Request a quote now and get all the necessary details and start insuring.


Protection Covers

Get protected against a large number of critical illnesses


You have the flexibility to choose your own health cover with respect to your needs.

No Changes in Premiums

No increase in premiums during the policy term even if your health condition changes
health insurance plans in India


    What is Health Insurance?

    Health insurance is also known as medical insurance Plans/Policy, is an essential financial tool that covers the cost of medical treatment for injuries, illnesses & more, from basic hospitalization coverage to comprehensive policies with extra benefits like preventive medical health care & death benefits, there’s a variety of health insurance policy available at MyPolicyExpress.

    Finding the right health plan ensures you & your family stay financially protected when unexpected illness or injury strikes happens. But why stop there? MyPolicyExpress Health Insurance Plans take it up a notch! With zero deductions on claims, and fantastic built-in add-ons, we provide an extra cushion during medical emergencies to our customers.

    Types of Health Insurance Plans

    Individual Health Insurance Plans

    This Individual plan offers coverage to one individual/person. Yet, certain insurers offer the option to include the policyholder's spouse in the policy, enabling them to access insurance coverage too.

    Family-floater Health Insurance Plan

    Family Health Insurance covers immediate family members (spouse, parents, children) who share the total sum insured of the policy.

    Senior Citizen Health Insurance Plan

    This coverage includes seniors aged 65 and above. Consider purchasing a specialized Health Insurance Plan tailored for senior citizens to ensure ample coverage for your elderly family members.

    Critical Illness Insurance Plan

    Critical illnesses such as cancer, stroke, kidney failure, major organ transplants, and heart attacks pose life-threatening risks and often come with substantial medical expenses. To safeguard against these specific diseases, Critical Illness Insurance Plans are available. These are also known as Fixed Benefit Health Plans, offering a predetermined lump sum payout upon an approved claim.

    Group Health Insurance Plan

    A group of people within a company can be protected by a Group Health Insurance Plan. Each individual in this group receives a set amount of coverage. Additionally, in certain instances, members covered by the plan can include their families and collectively share the assigned insured sum.

    Top-up Health Insurance Plan

    Individuals who are already covered under a basic health insurance policy or those who can bear the medical expenses up to a certain threshold can opt for a Top-up Health Plan. It provides health insurance instant coverage beyond a fixed threshold known as a 'deductible' in insurance terms.

    Which Add-ons are Included in MyPolicyExpress Platinum Health Insurance Policy?

    Additional features in Health Insurance Plans expand the coverage of a standard health plan. We’ve integrated several beneficial add-ons directly into the core health plan for your convenience. Take a look at these below.

    Coverage for Non-Medical Expenses

    These expenses are usually not covered under a basic healthcare policy in India excluding certain expenses like admission charges, surgical kits, syringes, and similar non-medical costs. However, with our health plan, such non-medical expenses are also covered.

    Room Rent Waiver

    The room rent waiver add-on ensures you can occupy any hospital room without concern about its impact on the claim amount. With our healthcare insurance policy, the full cost of room rent, regardless of the room type, is covered without affecting your claim.

    Doctor on Call

    Amid the COVID-19 pandemic, teleconsultations have become increasingly popular. Rather than visiting a clinic in person, reaching out to a doctor through a phone or video call for remote consultations has become simpler. In this plan, we have added the doctor on-call add-on where you can easily call a doctor and we will cover the cost.

    Why is MyPolicyExpress Health Insurance is cheaper than other insurance?

    MyPolicyExpress Health Insurance provides cost-effective health insurance policies through its online distribution model. Traditional health insurance plans in India are usually sold through agents and brokers who earn a commission from the insurance company.

    Policyholders bear these expenses as distribution costs, ultimately resulting in increased premiums. However, MyPolicyExpress’s online platform eliminates the need for intermediaries and allows customers to directly purchase policies. This reduces distribution costs and enables MyPolicyExpress to offer more affordable health insurance plans to its customers.

    Why is Health Insurance policy necessary to Protect Your Loved Ones?

    In today’s world, having a private health insurance policy is very important. It is not just a luxury, but a necessity. With healthcare costs skyrocketing, a medical insurance policy acts as a safety net for both you and your family, shielding against unforeseen medical costs. Let’s explore a few reasons why insurance is important.

    Protection Against Rising Medical Costs

    Medical technology has come a long way, don't you think? Diseases that were before thought to be incurable can be treated with it. However, these treatments can be super expensive. That's where India's private health insurance comes into play! It helps you cover those medical costs, so you don't have to worry about breaking the bank.

    Access to Quality Medical Facilities

    When it comes to our health, we all aim for the best possible healthcare, right? If you don't have insurance, it might be hard to pay for really good medical care. With insurance, you can get excellent medical care without worrying about the costs. Insurance gives you access to excellent healthcare without the worry of expenses. And it helps you recover faster by covering things like care before and after your hospital stay.

    Protection from Unexpected Medical Expenses

    Life is unpredictable, medical emergencies can hit us when we least expect them, and they can be costly. Fortunately, private health insurance in India has you covered! It helps cover the costs of hospitalization, surgeries, and other treatments. This way, you can focus on getting better without worrying about the money.

    Access to quality healthcare

    Having health insurance in India gives you access to a network of medical health care providers and hospitals. You have the option to select a health insurance scheme that lets you visit your preferred doctor, or you can go for a plan that offers coverage with a broader network of providers. When it concerns your health, having choices and adaptability matters most.

    Better Health Outcomes

    Taking care of your health is super important, and insurance contributes to that aspect as well. With coverage in place, you're more likely to seek preventive care, like regular check-ups and screenings.

    Critical Illness Coverage

    Have you ever noticed how common chronic illnesses like diabetes, heart disease, and renal ailments have become these days? It's quite concerning, isn't it? That's why it's crucial to secure comprehensive insurance coverage for yourself. It's similar to having a safety blanket that protects you if anything unexpected occurs. You wouldn't want to be surprised by those hefty medical bills out of nowhere. Therefore, take the smart step and make sure you have the right insurance to protect yourself and your loved ones from the uncertainties of life. It's all about staying well prepared.

    Peace of Mind

    You know that sense of reassurance when you have a safety net in place? That's exactly how insurance helps you. If you know how coverage can give you peace of mind, knowing that you and your loved ones are protected in case of a medical emergency. It is like having a guardian angel watching over your health.

    Tax Benefits

    Buying health insurance in India not only protects your health but also gives you some tax advantages. Under Section 80D of the Income Tax Act, when you pay your medical insurance premium, you can actually save some of that hard-earned money by reducing your taxable income. It's like a win-win situation for you when you're taking care of yourself and your loved ones, and the government is giving you a little tax break as a thank you. So, not only will you have peace of mind with insurance, but you'll also have a little savings

    What is Covered in Mediclaim Policy for Individuals?

    Inclusions are among the most essential aspects of a Health insurance Plan. This plan helps you understand the scenarios when you can raise a claim against your policy. Here are the typical inclusions or coverages you get when you buy a health policy. Yet, this can differ among various health policies.

    In-patient Treatment

    This covers the cost of hospitalization for the policyholder. In-patient treatment includes expenses such as room rent, nursing charges, ICU charges, doctor visits, and many more.

    Daycare Procedures

    Small surgeries like cataract removal, tonsil removal, or similar procedures that require less than 24 hours of hospitalization are covered under daycare procedures.


    Few surgeries or medical issues necessitate treatment before hospitalization. Expenses for such treatments can be reimbursed according to the terms and conditions of the health insurance policy.


    Individual health insurance policies typically cover the expenses for follow-up treatments, subject to the policy's terms and conditions.

    Domiciliary Treatment

    Under certain conditions, the expenses for receiving treatment at home can be covered for a set number of days as per the policy.

    Organ Donation

    Medical treatment costs include organ donation as per the policy's terms.


    The expenses incurred for hiring an ambulance for hospital transportation will be covered according to the terms and conditions of the policy.

    AYUSH Benefits

    Expenses for Ayurveda, Unani, Siddha, or Homeopathy (AYUSH) treatments can be claimed according to the policy document's guidelines.

    Newborn Baby Coverage

    Coverage for a newborn baby is in accordance with the terms outlined in the policy.

    Daily Cash Benefit

    This is generally an add-on cover; this amount can be utilized to purchase medicines or other necessary essentials as per your needs.

    Things to Consider Before Purchasing a Health Plan

    Before you buy an insurance policy, it’s important to consider these key points.

    Select the Right Sum Insured

    Choosing the correct sum insured is really important. You want to ensure you're covered perfectly. So, consider factors like your age, health issues, location, the cost of health insurance, and healthcare needs when choosing a plan. You want it to match your specific situation. Choosing a plan with a low sum insured might not provide enough coverage during a medical emergency when you really need it.

    Your healthcare needs

    Consider what you truly require from a healthcare policy in India. Do you have any existing health conditions or take medications regularly? Recognizing your healthcare needs will guide you in selecting a plan that includes the services and treatments you need. It's all about finding the perfect idea fit for you.

    Network of healthcare providers

    Hey, we all have our favorite doctors and hospitals, right? Ensure the policy includes your preferred options. You have to make sure your primary care physician or specialists are in the network. And if you have a go-to hospital or medical center, double-check that they're included too. This makes it simpler to reach out to the ones you have confidence in.

    Premiums and Deductibles

    Let's chat about the money part. Insurance premiums are the monthly payments for your insurance, while deductibles are what you pay out of your own pocket before your coverage starts. Look at the total cost and deductibles of different health insurance plans to find one that suits what you can spend. It's about getting the coverage you need without spending too much.

    Coverage Limits and Exclusions

    You wouldn't want any unexpected surprises later, would you? That's why it's important to grasp the coverage limits and exclusions in the policy. Some plans might have restrictions on what they cover for specific treatments or they might not cover certain conditions at all. Being aware of these details in advance can help you avoid any unforeseen obstacles.

    Additional Benefits

    Now, let's talk about the extra perks! Some insurance plans come with added bonuses like wellness programs or mental health services. These extra benefits can make your policy more valuable and greatly improve your overall healthcare. Consider what's important to you and your family, and search for a policy that includes these helpful extras.

    Customer Service and Support

    It's important to choose an insurance provider that's known for its stellar customer service. You need someone who supports you when you need help the most. Look into their reputation for managing claims and aiding policyholders. A dependable and helpful team can significantly impact your insurance experience.

    Lifetime Renewability

    Knowing how long your medical plan stays valid is crucial. Since health issues tend to rise as you age, having a mediclaim policy in India during old age becomes more likely. That's why choosing a plan with lifetime renewability is advised. It helps minimize hassles and unexpected medical expenses during that phase of life.

    High Claim Settlement Ratio (CSR)

    A high claim settlement ratio indicates a greater chance of your claim being approved. Choosing an insurer with a high CSR suggests they're less likely to deny a claim without a valid reason.

    Minimum Waiting Period

    Several health plans have waiting periods for various ailments. It's wise to opt for a health policy with shorter waiting periods, especially for pre-existing conditions and diseases.

    What are the factors that impact the calculation of health insurance premiums?

    These are the aspects that affect the calculation of health insurance premiums:


    It plays a role in determining the full health insurance coverage cost for your MyPolicyExpress Platinum Insurance Plan. Generally, the older you get, the more expensive the medical insurance premium becomes. It's about considering the life experiences and wisdom gained with each passing year.

    Sum insured

    At MyPolicyExpress, we've got you covered with different sum insured amounts. So, whether you're aiming for modest coverage or want to go all out, we'll tailor the premium to match your needs. You have the option to pick from Rs. 10 lakhs to an unlimited amount for the sum insured. Your chosen sum insured will affect your health insurance rates.


    Your location matters! We factor in your residence while determining the premium. You see, the health plan premium of medical treatment can vary across India, affecting health plan premiums. Whether you're in a bustling city or a peaceful rural area, we consider this for fairness, aligning with healthcare costs in your area.

    Number of insured members

    Family matters! Our MyPolicyExpress Platinum Plans are Family-floater health plans, meaning you can protect yourself, your spouse, and up to four children under our insurance plans. Remember, the more members you include, the higher the policy premium. It's about caring for your loved ones while keeping an eye on how it affects your premium.

    Medical Status

    Your health is our first priority, so we take it seriously. When you buy an MyPolicyExpress Platinum Plan, we may ask for a Pre-Policy Medical Check-up (PPMC) to understand your current health status. It's important to share your medical history too. The health insurance price will depend on your current and past medical history. Your current and past medical history will influence the health insurance rates. Rest assured, we are here to support you and offer the best deal and health insurance instant coverage that fits your unique situation.

    Is it advisable to secure a health insurance policy at a young age?

    You get several advantages when you buy health insurance policy in India at an early age. Here are a some.

    Lower Premiums

    Getting health insurance early often means securing lower premiums. Insurance companies factor in age when tailoring health insurance quotes. By starting at a lower risk profile, they tend to offer better deals compared to those who delay getting coverage until later in life.

    Fewer Health Issues

    Being in your 20s often means fewer health issues compared to those in their thirties. This boosts your chances of obtaining comprehensive coverage with minimal or no pre-existing conditions to concern you when purchasing a medical policy. It's like getting a head start on securing a robust insurance plan.

    Easy Completion of Waiting Period

    Waiting periods are common in Mediclaim policies in India, barring claims during that period. Buying insurance early means you're less likely to make immediate claims compared to someone purchasing later in life. This makes it easier to navigate through the waiting period and fully enjoy the benefits of your coverage.

    Lower Chances of Policy Rejection

    Everyone wants their health insurance application to be accepted, right? Well, here's the good news! The likelihood of rejection is lower when you're younger. Insurers might be more cautious if you have major pre-existing conditions, but generally, when you're younger, you're at a lower risk. So, your chances of obtaining the coverage you require are quite favorable!

    Better Coverage

    Imagine this: you purchase health insurance early and your insurer rewards you with fantastic coverage options. Sounds great, doesn't it? Well, it's accurate! Insurance companies might provide more extensive coverage when you begin at a younger age. Consider common health concerns like diabetes, high blood pressure, or cataracts. They're more likely to be covered because you're considered less risky to insure. It's like receiving additional benefits simply for being proactive about your health!

    Is it a Good Idea to Buy Health Insurance Online?

    Easy comparison

    Let's talk about convenience! With online medical insurance, you can sort everything out without leaving your comfy clothes. No rushing to an office or going outside. You can handle it all from your sofa or desk. It's like having an online insurance shop that's open all the time, just for you. Saves time and no stress. That's the smart way to do it!


    Everyone wants their health insurance application to be accepted, right? Well, here's the good news! The likelihood of rejection is lower when you're younger. Insurers might be more cautious if you have major pre-existing conditions, but generally, when you're younger, you're at a lower risk. So, your chances of obtaining the coverage you require are quite favorable!


    Want to save money? When you buy health insurance online, it can often cost less than going through an agent. Why? Because there's no middleman getting a commission. Also, lots of insurance companies give special deals and discounts for online policies. So, you get the coverage you want and save some cash too. It's a double win!

    User-friendly platform

    We make things really easy for you! Our online health insurance platforms are simple to use, like having someone help you step by step. You can see all the important info about the policy, find extra help if you need it, and make a smart choice using your phone. We want things to be easy to understand and straightforward for you.


    Buying health insurance online means you get all the info upfront. You can easily check out everything about the policy, like coverage limits, exclusion, and benefits. So, you know exactly what you're getting and can decide what's best for you without any confusion. Knowing everything is really important!

    All You Must Know About Claims for MyPolicyExpress Health Plans

    Now, let’s talk about claims, which is basically why you get.

    What are health insurance claims?

    Health insurance claims are like asking your insurance company to help pay for your medical care. Just remember, that you can only claim against things that are covered in your insurance plan. So you must know what is covered and what is not.

    Types of claims

    Usually, you can claim in two different ways:
    • Cashless claim
    • Reimbursement claim

    In a cashless claim, the insurance company pays the hospital directly. In a reimbursement claim, you pay the bill first, then raise a claim to get back the money you paid.

    Network hospitals

    Some hospitals let you do cashless claims. But in others that aren’t part of our network, you must pay the bill and get a reimbursement from us. When you get health insurance, it’s important to know which hospitals are in our network for cashless claims.

    Documents required while registering a claim

    Here are the documents you’ll need while raising a claim with your health insurance provider:

    • A completed insurance claim form
    • Hospital discharge summary
    • Prescription and receipt for payments
    • Your insurance card copy
    • If it’s an accident, Medico-Legal Certificate (MLC) or FIR
    • Reports from tests like X-rays, scans, or lab work
    • Original bills and receipts for medical expenses
    • A cancelled cheque for reimbursements
    • Any extra documents your insurer asks for

    Can I get tax benefits from health insurance?

    Having health insurance is really important. That’s why the Government of India encourages people to get the best health insurance plan by giving tax benefits on the premium paid. This happens under Section 80D of the Income Tax Act, 1961.

    How to save tax with a health/medical insurance policy?

    Besides getting all the benefits from your health insurance, you can also save a lot of money on taxes for the premium you pay. To do this, just show your insurance certificate when you're filing your taxes for this year. Then, you'll get tax benefits (following the tax rules) based on how many people are covered in your health plan.

    Additional tax savings with preventive health check-up (Deduction under section 80D)

    You can save more on taxes if you go for a check-up to keep an eye on your health during that year. This way, you get two advantages: you know how your health is doing and you also get extra tax benefits. This tax deduction falls under Section 80D of the Income Tax Act.

    Health insurance that is right for you

    A Mediclaim plan will either reimburse all your hospitalisation expenses or settle the hospital bills via a cashless facility. With a Critical Illness Insurance plan, you will receive a lump-sum payout on the detection of a critical illness. You don’t have to be hospitalised for the same. If you are unable to work because of the illness, then you can use the amount as a substitute for your monthly income. You can even use the money to cover expenses for doctor visits, medicine purchases, medical tests or any other expense that might arise during this time.

    Individual Health Insurance

    Family Floater Health Insurance

    Senior Citizens Health Insurance

    Features and Benefits

    Purchasing health insurance is crucial for a number of reasons. Let’s take a look at the most important benefits of our health insurance policies:

    Frequently Asked Questions

    Health insurance plans do not offer cover for all healthcare expenses. Some common exclusions include expenses incurred on treatment due to self-inflicted injuries including suicide, expenses incurred due to participation in any adventurous sport, pre-existing conditions are not covered during the waiting period, venereal or sexually transmitted disease, cosmetic treatments, treatments related to dental, hearing, and vision, expenses incurred on treatment of obesity, and cover for accidents due to participation in defence operations.

    A health insurance policy offers you a cashless treatment facility allowing you to get the required medical treatment at the network hospital without paying even a single penny. It offers you several benefits apart from cashless treatment, such as pre-hospitalisation and post-hospitalisation expenses, tax benefits under Section 80D of the Income Tax Act, 1961, daily hospital cash benefit in some plans, organ transplant expenses, No Claim Bonus, lifetime renewability benefit, automatic restoration of sum insured, etc.

    No. Health insurance plans come with multiple sub-limits which can be for specific treatments, doctor’s consultation fees, pre-planned surgeries like cataract, joint replacements, pre-planned surgeries, etc. You cannot claim an amount that exceeds your sum insured limit. Many health insurance plans also come with room rent limits, ICU charges, surgery expenses, doctor’s fees, lab test expenses, etc. for which the cover is offered proportionately.