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Health Insurance Overview
Health Insurance from Help Desk Finserve provides comprehensive financial protection against medical emergencies, hospitalization costs, and healthcare expenses. As your trusted insurance partner, we offer a wide range of health insurance policies from top insurers to ensure you and your family receive the best medical care without financial burden.
Our experienced team, led by Mr. Pravesh Sharma with 12+ years in insurance advisory, helps you choose the right coverage based on your health needs, family size, and budget. From individual plans to family floater policies and senior citizen coverage, we simplify the complex insurance landscape with transparent advice and complete disclosure of terms.
Types of Health Insurance Plans:
- Individual Health Insurance Plans
- Family Floater Health Insurance
- Senior Citizen Health Insurance
- Critical Illness Insurance
- Top-up & Super Top-up Plans
- Group Health Insurance for Businesses
- Maternity & Newborn Coverage
- Personal Accident Insurance
- Ayush & Alternative Treatment Coverage
- International Travel Health Insurance
Key Features & Benefits:
- Cashless hospitalization at network hospitals
- Pre and post hospitalization coverage
- Day care treatments coverage
- Ambulance charges coverage
- No Claim Bonus (NCB) accumulation
- Lifetime renewability option
- Pre-existing disease coverage (after waiting period)
- Alternative treatment coverage (Ayurveda, Homeopathy)
- Organ donor expenses coverage
- Domiciliary hospitalization benefits
| Sr. No | Plan Feature | Coverage Details |
|---|---|---|
| 1 | Sum Insured Options | ₹1 Lakh to ₹5 Crores (based on requirement) |
| 2 | Room Rent Limit | 1% to 2% of sum insured per day |
| 3 | Pre-Hospitalization | 30-60 days before hospitalization |
| 4 | Post-Hospitalization | 60-90 days after discharge |
| 5 | Waiting Period | 30 days for illness, 2-4 years for specific diseases |
| 6 | Day Care Procedures | Covered (no minimum hospitalization required) |
| 7 | Ambulance Charges | ₹1000 to ₹5000 per hospitalization |
| 8 | Restoration Benefit | Available in most comprehensive plans |
Critical Illness Coverage:
- Heart attack and bypass surgery
- Cancer (all types)
- Kidney failure requiring dialysis
- Major organ transplant
- Stroke resulting in permanent symptoms
- Multiple sclerosis
- Major burns
- Paralysis
- Blindness
- Deafness
Documents Required for Health Insurance
| Sr. No | Document Type | Required Documents |
|---|---|---|
| 1 | KYC Documents | PAN Card, Aadhaar Card, Passport (any one for identity proof) |
| 2 | Address Proof | Aadhaar Card, Passport, Voter ID, Utility Bill |
| 3 | Age Proof | Birth Certificate, School Certificate, Passport, PAN Card |
| 4 | Photographs | Recent passport-size photos of all members to be insured |
| 5 | Medical Reports | Required for ages above 45 or existing medical conditions |
| 6 | Income Proof | Salary slips/ITR (for high sum insured policies) |
| 7 | Existing Policy Details | If porting from another insurer |
| 8 | Bank Details | Canceled cheque or bank statement for premium payment |
Claim Process Simplified:
- Cashless Claim: Inform insurer before admission → Submit pre-authorization form → Get approval → Treatment → Settlement
- Reimbursement Claim: Pay hospital bills → Collect all documents → Submit claim within 30 days → Get reimbursement
- Third Party Administrator (TPA): Contact TPA helpline → Follow their guidance → Submit required documents
Important Considerations:
- Compare policies based on coverage, not just premium
- Understand waiting periods and exclusions
- Check network hospitals in your area
- Review claim settlement ratio of insurer
- Consider add-on covers like OPD, maternity, critical illness
- Understand co-payment and deductible clauses
- Check renewal terms and premium increase patterns
- Review sub-limits on room rent, ICU charges, etc.
Why Choose Help Desk Finserve for Health Insurance?
Under the expert guidance of Mr. Pravesh Sharma (Managing Director) with over 12 years of banking and insurance experience, Help Desk Finserve provides transparent health insurance solutions from top insurers. We help you understand policy terms, coverage details, and hidden clauses. Our team ensures you get adequate coverage at competitive premiums, assists in claim settlement, and provides ongoing support for policy renewals and modifications. We believe in securing your health with the right protection, not just selling policies.