A medical emergency can arrive anytime - and the right health insurance plan makes sure you never face it alone.
Health insurance covers your hospitalization expenses, doctor fees, tests, and treatment costs so your savings stay intact.
With PolicyBachat, you can compare top health plans from 20 + insurers, check network hospitals in Hyderabad, and buy the best policy online in minutes.
Whether you need individual, family floater, senior citizen, or corporate health coverage - we’ve got you covered for 2025 and beyond.
Why You Need Health Insurance
- Covers unexpected hospitalization expenses
- Protects lifetime savings from medical inflation
- Cashless treatment in network hospitals
- Tax benefits under Section 80D
- Access to annual health check-ups and add-ons
Types Of Health Insurance Plans
| Plan Type |
Best For |
Key Feature |
| Individual Plan |
Single person |
Sum insured dedicated to one person |
| Family Floater |
Couples + children |
Shared sum insured for entire family |
| Senior Citizen Plan |
Age 60+ |
Covers pre-existing diseases and critical illness |
| Top-Up Plan |
Existing policy holders |
Adds extra coverage above deductible |
| Group / Corporate Plan |
Employees / teams |
Employer-sponsored benefits |
Sample Premium Estimates (Hyderabad)
| Profile |
Sum Insured |
Tenure |
Approx. Annual Premium (₹) |
| Individual (30 yrs) |
₹5 L |
1 year |
₹6,500 – ₹8,000 |
| Family Floater (2 A + 2 C) |
₹10 L |
1 year |
₹11,000 – ₹14,000 |
| Senior Citizen (65 yrs) |
₹5 L |
1 year |
₹18,000 – ₹22,000 |
Top Insurers For Health Plans 2025
| Insurer |
Unique Feature |
Claim Ratio |
| HDFC ERGO Health |
Cashless hospital network of 13,000+ |
96% |
| Care Health |
Unlimited recharge benefit |
95% |
| Star Health |
Senior-friendly plans |
94% |
| Niva Bupa |
High sum insured (₹1 Cr +) |
93% |
| Aditya Birla Health |
Wellness reward programs |
92% |
Local Insights For Hyderabad
- Avg. hospital bill (3-day stay): ₹45,000
- % of cashless claims processed under 48 hrs: 88%
- Top network hospitals: Apollo Hospital, Fortis Hospital, Manipal Hospital
How To Buy Health Insurance Online
- Visit PolicyBachat.com → Health Insurance.
- Enter age, city, family size, and medical history.
- Compare plans from top insurers.
- Select preferred sum insured and riders.
- Pay securely and get your digital policy instantly.
Tax Benefits (Section 80D)
| Category |
Maximum Deduction |
| Self + Family |
₹25,000 |
| Parents (below 60) |
₹25,000 |
| Parents (above 60) |
₹50,000 |
| Total Possible Deduction |
₹75,000 |
FAQs
Which is the best health insurance plan in 2025?
Care Health, Star Health, and HDFC ERGO top the list.
Can I buy family and individual plans together?
Yes, combine them for wider protection.
What is cashless hospitalization?
Insurer pays hospital directly - you pay nothing out-of-pocket.
Are pre-existing diseases covered?
Yes, after 2–4 years waiting period (varies by insurer).
Is medical check-up mandatory?
Only for higher coverage or age above 45.
Can I claim tax benefit under 80D?
Yes, for premiums paid for self and family.
Do insurers cover COVID-19 or pandemics?
Yes, standard policies now include pandemic coverage.
Can NRIs buy health insurance in India?
Yes, subject to residency and treatment location clauses.
What is No Claim Bonus (NCB)?
Annual bonus that increases sum insured if no claims filed.
How soon can I use my policy?
After 30 days waiting period (except accidents).
Customer Reviews
- “Got my family floater plan in 5 minutes.” - Ravi Menon, Kochi
- “Cashless hospital list was super helpful.” - Anjali Sharma, Delhi
- “PolicyBachat comparison saved me ₹3,000 premium.” - Vikram Iyer, Hyderabad
- “Transparent and quick digital issue.” - Nisha Patel, Mumbai
- “Finally found a good plan for my parents.” - Karan Desai, Bengaluru
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