Health Insurance at a glance
- What it is
- Health insurance pays for hospitalisation and related medical expenses up to the sum insured, either cashless at network hospitals or by reimbursement, subject to the policy's waiting periods and exclusions.
- Who it is for
- Individuals, families, senior citizens and employers seeking cover for medical costs.
- How Early Grow helps
- We explain sum insured, waiting periods, sub-limits and exclusions, compare plans and help you complete the proposal and disclosures correctly.
- Next step
- Book a free consultation or call +91 93541 57455.
Health Insurance
Medical emergencies can hit anytime, and hospital bills can be overwhelming. That’s where Early Grow Health Insurance comes in – giving you financial protection and access to quality healthcare when you need it the most. Whether you're looking for personal coverage or a family plan, we’ve got options that fit your needs and budget.
Why Choose Health Insurance?
- Cashless Treatment – No need to pay upfront at network hospitals.
- Covers Pre & Post-Hospitalization – Pays for medical expenses before and after hospitalization.
- Daycare Procedures – Includes treatments that don’t require overnight hospital stays.
- Ambulance Cover – Pays for emergency transportation.
- No-Claim Bonus – Get discounts or increased coverage for every year you don’t make a claim.
- Tax Savings – Save money with tax benefits under Section 80D of the Income Tax Act.
Who Can Get This Insurance?
- Be between 18 and 65 years old (kids can be covered from 90 days).
- Have a valid ID and address proof.
- Declare any pre-existing medical conditions (some conditions may have a waiting period).
- Be an Indian citizen or resident.
Documents You’ll Need
- Identity Proof: Aadhaar, PAN, Passport
- Address Proof: Utility bill, Voter ID
- Age Proof: Birth certificate, Driving license
- Medical Reports: (if required)
- Passport-sized Photos
Types of Health Insurance Plans
- Individual Plan – Covers just you.
- Family Floater Plan – One policy for the whole family.
- Senior Citizen Plan – Special benefits for those above 60.
- Critical Illness Plan – Lump sum payout for serious diseases.
- Group Health Plan – For employees of a company.
What’s Included in Your Plan?
- Coverage Amount (Sum Insured) – The total amount you can claim.
- Premium – The amount you pay for the policy.
- Waiting Period – The time before certain benefits start.
- Co-payment – A small amount you pay from your pocket in some cases.
Choosing an insurer
Health insurance in India is offered by general insurers and standalone health insurers registered with the Insurance Regulatory and Development Authority of India. Before you buy, check that the insurer is registered on the IRDAI website, and compare its network hospitals in your city, claim settlement process, waiting periods and sub-limits – not just the premium. During your consultation we tell you which insurers’ plans we can help you with.
What Affects Your Premium?
- Your Age – Older people usually pay higher premiums.
- Medical History – Pre-existing conditions can increase costs.
- Coverage Amount – Higher coverage means a higher premium.
- Lifestyle Choices – Smoking, drinking, and an unhealthy lifestyle can increase premiums.
- Your Location – Health insurance costs can vary by city.
Government Health Insurance Schemes in India
If you’re looking for affordable or free health insurance, the government offers some great options:
- Ayushman Bharat Yojana – Free health insurance up to ₹5 lakh for eligible families.
- ESIC (Employees’ State Insurance Scheme) – Covers employees from low-income groups.
- Rashtriya Swasthya Bima Yojana (RSBY) – Health coverage for BPL (Below Poverty Line) families.
Extra Add-Ons You Can Get (Riders)
- Critical Illness Cover – Extra payout for diseases like cancer or heart attack.
- Accidental Death Benefit – Extra financial security for your family.
- Maternity Cover – Covers pregnancy and newborn care.
- Hospital Cash Benefit – Pays you a daily cash allowance during hospitalization.
How to Get Health Insurance with Early Grow?
- Compare Plans – Choose one that fits your needs.
- Fill in Your Details – Provide the required documents.
- Medical Checkup (if needed) – Some plans may need a quick health check.
- Make the Payment – Pay your premium online.
- Get Your Policy – Start enjoying your health coverage!
Protect Your Health & Your Savings – Get Insured Today!
A medical emergency can happen anytime. Don’t wait! Get the right health insurance plan with Early Grow and enjoy peace of mind knowing you’re covered.
Book a Free Consultation NowOfficial references
Frequently asked questions
Health insurance helps cover your medical expenses so you don’t have to pay huge hospital bills out of pocket. It ensures you get the best treatment without financial stress.
✅ Yourself
✅ Your spouse
✅ Your kids
✅ Your parents (and sometimes in-laws)
✅ Some plans even cover siblings!
✅ Your spouse
✅ Your kids
✅ Your parents (and sometimes in-laws)
✅ Some plans even cover siblings!
A pre-existing disease is any health condition you had before buying the policy (like diabetes or heart disease). Most insurance plans cover them, but there might be a waiting period before you can make a claim.
Standard policies don’t usually cover maternity costs, but you can get a plan with maternity benefits or an add-on to cover pregnancy and delivery expenses.
Yes! Most insurers have a network of hospitals where you can get cashless treatment. If you choose a hospital outside the network, you’ll need to pay first and claim reimbursement later.
Yes! You can get tax benefits under Section 80D of the Income Tax Act.
It’s the time you have to wait before certain benefits start. For example, many policies have a 2 to 4-year waiting period for pre-existing diseases.
Yes, you can! If you have multiple policies, you can choose which one to claim from, or even split claims between insurers, depending on your coverage.
If you don’t renew on time, your policy lapses and you might lose benefits like the no-claim bonus and waiting period reductions. Always renew before the due date!
Many insurance plans cover AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy). Check your policy details to see if it’s included!
Talk to an Early Grow adviser
Tell us what you need and we will explain your options, the documents required and the next steps. The first consultation is free.