Medical / Health Insurance
Quality Healthcare Without the Financial Anxiety
Access quality healthcare while cutting the cost of illness and accidents — cover for individuals, families, and businesses.
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Cover options
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Underwriters
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Claims support
It covers eligible medical costs — inpatient and outpatient treatment, and often maternity, dental, and optical — and gives you access to a network of approved hospitals and clinics.
Why Medical Insurance Matters
Medical needs can arise without warning. Having appropriate health insurance means you can focus on getting the care you need while reducing the financial burden associated with covered medical expenses.
Treatment costs keep rising
Even a routine consultation or a short hospital stay can be expensive. Health insurance covers eligible medical costs so treatment doesn't come down to what you can afford that day.
One plan for the household or the company
Cover can be arranged for an individual, a family with spouse and children as dependants, or a corporate group of employees.
Who this cover is for
- Individuals
- Families
- Corporate and employee groups
- Self-employed professionals
- Senior citizens
- Young professionals beginning their careers
Your cover options
Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.
Inpatient Cover
Covers eligible medical treatment and hospitalisation, including accommodation, nursing care, diagnostics, medication, surgery, and specialist services.
Outpatient Cover
Covers consultations, prescribed treatment, laboratory tests, medication, radiology, physiotherapy, and other eligible services without hospital admission.
Maternity & Reproductive Health
Supports eligible antenatal, delivery, postnatal, and reproductive healthcare services, subject to policy limits and waiting periods.
What this cover protects against
What applies to your policy depends on the cover level you choose and any extensions added.
Inpatient
Hospital admission, surgery, nursing, and diagnostics.
Outpatient
Consultations, lab tests, medication, and physiotherapy.
Maternity
Antenatal, delivery, and postnatal care, subject to waiting periods.
Dental & optical
Eye care and dental treatment within your plan limits.
Cashless treatment
Settle eligible bills directly at approved facilities.
What you get with the cover
Hospitalisation & Inpatient Treatment
Accommodation, nursing care, diagnostics, medication, and surgery covered when you're admitted.
Outpatient Consultations
Cover for consultations, lab tests, medication, and physiotherapy without hospital admission.
Optical & Dental Care
Eligible eye care and dental treatment covered within the limits of your selected plan.
Maternity & Reproductive Healthcare
Antenatal, delivery, and postnatal support, subject to policy limits and waiting periods.
Cashless Treatment
Access approved healthcare providers and settle eligible bills directly at participating facilities.
What you'll need
To take out cover
- Copy of ID or passport
- Details of the persons to be insured
- Date of birth and contact details
- Medical information where required
- Employer / company details for corporate schemes, where applicable
Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.
Common terms explained
Annual Limit
The maximum amount payable for covered benefits during the policy period.
Bed Limit
The amount allowed for hospital accommodation and related meals.
Sublimit
A specific maximum amount applied to a particular benefit even when the overall policy limit is higher.
Co-payment
A fixed amount you contribute when receiving certain healthcare services.
Deductible
The amount you pay towards eligible medical expenses before your insurance begins contributing.
Dependants
Eligible spouse and children covered under the policy.
Provider Network
Hospitals, clinics, pharmacies, and other healthcare providers approved by the insurer.
Exclusions
Specific illnesses, treatments, or situations that are not covered under your insurance policy.
Frequently asked questions.
The essentials on medical / health insurance — what it covers, what you'll need, and how claims work. More on the FAQ page.
See all FAQsWhat does Health Insurance cover?
Depending on your plan, cover can include inpatient treatment, outpatient care, maternity services, dental care, and optical care — with corporate plans available for employers.
What's the difference between inpatient and outpatient cover?
Inpatient cover applies when you're admitted to hospital for an overnight stay. Outpatient cover applies to consultations and treatment that don't require admission.
Can I add my family to my policy?
Yes — most plans let you add your spouse and children as dependents, so the whole family is protected under one policy.
Who is Health Insurance suitable for?
It suits individuals, families, employers providing staff benefits, self-employed professionals, senior citizens, and young professionals just starting their careers.
How do I choose the right plan?
Speak with one of our advisors — we'll compare options from trusted insurers and help you match a plan to your needs and budget.
Find the Right Health Cover
Healthcare needs differ from person to person. Our team helps you understand your options and choose a medical insurance solution appropriate for you, your family, or your organisation.
