I authorize instaemi.com

Get a Quote

Get protection for your Health with best policy from our partners !....

Date Of Birth
Eldest Family Member's Dob
Your Family Consists
We have selected optimal Medical Health Cover amount automatically. You can modify this amount if required.
Protection Cover

Quote Offers

Based on your protection cover and date of birth

Showing Plans
Plan Name

Partner Name


Tax benefits

Apply Details

For any financial transaction, your KYC is mandatory. Your co-ordinates also help us reach you for any clarification or advice.

Plan Name

Partner Name


Tax benefits

Appreciate you for choosing us to serve you.We started working on your application number Book Appointment
You are eligible for "GIFT COUPON"
I authorize & its representatives to call me or SMS me with reference to my application. This consent will override any registration for DNC / NDNC. Insurance is the subject matter of solicitation.Read Terms & Conditions
I authorize www.instaemi.com & its representatives to call me or SMS me with reference to my application. This consent will override any registration for DNC / NDNC. Insurance is the subject matter of Solicitation.

About Health Insurance

Health insurance is a type of insurance coverage that covers the cost of an insured individual or group's medical expenses

What is health insurance?

  • It is a contract between that individual or group and an insurer who agrees to provide specified health insurance cover at a particular premium.
  • The benefit of having health insurance today is clear- healthcare is expensive. Advanced treatments, procedures and surgeries and medicines which may be needed in case of any unfortunate lapses in health will be affordable with insurance. There are also tax benefits.
  • Health insurance policies are general insurance policies usually issued for a period of 1 year only. However, some companies also issue a two-year policy. At the end of the insurance period, the policy must be renewed.

Characteristics of health insurance

The cost of health insurance premium depends on age, the higher it is the older the individual is, and medical history. However, claim-free years reduce the cost of ensuing premiums.

The health insurer usually provides either direct payment (cashless facility) or reimburses the expenses associated with the illnesses or injuries.

A policy only lapses when the policyholder fails to pay the premium within the stipulated grace period which is 15 days after the expiry date. The policy does not cover for which no premium is received.

Taxpayers can avail of an annual deduction of Rs. 20,000 from taxable income for payment of Health Insurance premium for self and dependants under Section 80-D, Income-tax Act ,1961

Features of Health Insurance

Simple procedure

It can be accessed with minimum documentation and does not take time to procure as compared to secured loan.

Choose your amount

Self-employed professional loan range depending on income, obligations, repayment history (if applicable) and repayment capacity

Enjoy Best Rates

Self-employed professional loans can be availed at a better and cheaper rate

Decide your tenure

Easy repayment option you can choose for 12 to 48 months.

Health Insurance- Insurability

  • Lot of Indian’s thinks that we don’t get diseases and we have alternative medicine like Ayurveda and Homeopathy. But our fast paced life style habits are impacting health conditions more than ever. We recommend every family to have proper cashless hospital health insurance.
  • Many thinks we can’t afford to have health insurance, as the age is growing you need to increase cover. Also few people think they will get their money back if nothing happens. But in reality, insurance is for unfortunate eventuality.
  • Tax Payer can buy additional health insurance, out of his TAX out go.
  • Lot of non-benefit retirement people thinks no insurance company offers Health insurance, but some offer at higher premium. But People even above 60 can also get health insurance at cheaper price as low as Rs 7,000 for 5 lakhs cover.
  • Hospital expenses are sky rocketing in India, don’t take chance.
  • PAN card, Passport, Driving License, Voter ID, Aadhar Card, Ration card.
  • Passport, Driving License, Voter ID, Aadhar Card, Mobile/Land Line Bill, Rental Agreement, Ration Card, Gas bond with Bill, Sale deed, Property Tax, Electricity Bill, Aadhar Card.

Frequently Ask Questions

A:No. Insurances are only to cover for unfortunate eventualities that might occur. However, the need for it is great and there are plenty of affordable options for everyone.

A Third Party Administrator (TPA) is an IRDA (Insurance Regulatory and Development Authority) approved specialized health care service provider. A TPA provides the insurance company with a variety of services like networking with hospitals, arranging for cashless hospitalization as well as claims processing and timely settlement.

Under Cashless Hospitalization, when the patient has a health insurance policy the bill is settled directly by a TPA for convenience. However, the facility is only available at hospitals that are part of the network of the TPA and unless in case of an emergency, prior approval is required.

Generally, there is a 30-day waiting period starting from the policy inception date.

Insurance companies do not cover pre-existing conditions that occurred within 48 months prior to buying a policy. They can only be considered for payment after completion of 48 months of continuous insurance cover.

Loved by customers, Trusted by experts

We’re aiming to bring back the feeling of defined benefits, and the financial peace of mind that goes with it. We envision a world where you can be confident of reaching your goals, whatever they may be.