Buy Health Insurance Online - Compare & Protect Your Family in 2025

Buying the right health insurance plan isn’t about luck - it’s about making sure your family never faces a medical emergency unprepared.

With PolicyBachat, you can compare 20 + top health insurers, calculate premiums, view hospital networks, and buy a plan that truly fits your needs - all in a few clicks.

Whether it’s for yourself, your parents, or your whole family, our platform helps you find a policy that offers cashless hospitalization, high claim approval rates, and complete peace of mind.

Here’s everything you need to know before you buy health insurance online .

Why Buy Health Insurance Online

  • tick Compare plans across multiple insurers instantly.
  • tick Get transparent pricing - no agent bias.
  • tick Save up to 60% on premiums.
  • tick Access 13,000+ cashless hospitals across India.
  • tick Instant e-policy issued with zero paperwork.

Types of Health Plans you Can Buy

Plan Type Ideal For Key Feature
Individual Plan Single insured person Dedicated sum insured for one member
Family Floater Plan Couples, parents, children Shared coverage across all family members
Senior Citizen Plan Age 60+ Pre-existing disease cover + higher limits
Top-Up Plan Those with existing insurance Adds extra coverage above deductible
Critical Illness Plan High-risk individuals Lump-sum payout on serious illnesses

How To Buy Health Insurance Online

  • 1 Visit PolicyBachat.com → Health Insurance.
  • 2 Enter your age, city, and family details.
  • 3 Compare premiums, coverage, and hospital lists.
  • 4 Choose plan & add optional riders (OPD, maternity, etc.).
  • 5 Pay securely and download your e-policy instantly.

Benefits of Buying With Policybachat

  • tick Compare 20+ insurers side-by-side.
  • tick 100% paperless and secure process.
  • tick Free claim assistance and renewal reminders.
  • tick Verified claim ratio data for every insurer.
  • tick Live support for questions or rider advice.

What to Check Before Buying

  • tick Sum Insured: Minimum ₹5L for individuals, ₹10L for families.
  • tick Hospital Network: Look for 5,000+ cashless hospitals.
  • tick Waiting Periods: 2–4 years for pre-existing diseases.
  • tick Room Rent Limit: Prefer “No Room Rent Limit” plans.
  • tick Riders: Add maternity, OPD, or daily cash benefit if relevant.

Sample Premiums

Profile Sum Insured Annual Premium (₹)
Individual (30 yrs) ₹5 L ₹6,800
Family Floater (2 A + 2 C) ₹10 L ₹12,300
Senior Citizen (65 yrs) ₹5 L ₹19,500

Local Insights

  • tick Avg. cashless hospitals per insurer: 4,200.
  • tick Most preferred sum insured: ₹10 L.
  • tick Top 3 insurers: TATA AIA, Kotak General Insurance, and Oriental Insurance.
  • tick Avg. claim settlement time: 12 days.

Tax Benefits Under Section 80d

Category Deduction Limit
Self + Family ₹25,000
Parents (below 60) ₹25,000
Parents (above 60) ₹50,000
Total (Combined) ₹75,000

PolicyBachat Tip

Always choose a plan with lifetime renewability, wide hospital coverage, and transparent claim ratio. It’s better to pay a little more for a reliable insurer than chase the lowest premium.

Frequently Asked Questions

Compare on PolicyBachat, choose your plan, and get e-policy within minutes.

Usually not for younger applicants or low coverage amounts.

Yes, most family floater plans allow mid-term additions.

Yes, 100% legitimate - your policy comes directly from the insurer.

Yes, across insurer’s partner hospitals. Always check network before purchase.

PAN, Aadhaar, age proof, and basic medical declaration.

Yes, but claims are payable only for treatment within India.

Yes, many insurers now offer monthly/quarterly EMI options.

Yes, all online purchases qualify under Section 80D.

PolicyBachat is an IRDAI-licensed online insurance aggregator helping you compare and buy from multiple insurers.

Customer Reviews

“Bought my policy online in 6 minutes - smooth and transparent.”

Ravi Deshmukh, Pune

“Saved ₹2,400 on my family plan by comparing.”

Anita Reddy, Hyderabad

“Loved how easy it was to check cashless hospitals.”

Naveen Iyer, Kochi

“PolicyBachat team helped me pick the right sum insured.”

Sneha Sharma, Delhi

“Instant download and great support - 5 stars.”

Vikram Menon, Bengaluru

“Buying process was simple and zero confusion.”

Meera Kapoor, Mumbai

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