Financial shield
for your Medical


Why buy Health Insurance?


Admission in a hospital for a minimum period of 24 'In patient Care' consecutive hours, except for specified procedures and treatments where such admission could be for a period of less than 24 consecutive hours, which are listed as 'Day Care Procedure'

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Cashless Treatment

This benefit allows availing the medical treatment at the best hospitals, without having to pay from your pocket. Thus, under such facility, the insurer directly pays to the hospital for the customers' medical treatment.

Pre and Post Hospitalization

The expenses prior to hospitalization of 30 days and after discharge from the hospital for 60 days are covered under health insurance policy for the expenses associated with the illness claimed under Hospitalization benefit as per insurers policy terms and conditions. The duration of coverage can also be more according to the Insurance plan you opt.

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Tax Benefit

The premium you pay towards the Health Insurance plans for yourself or your family members, get you a rebate under section 80D Income Tax Act.

Free Health Check-up

To keep the body in good health is a duty, otherwise we shall not be able to keep our mind strong and clear. Most of the Health Insurance plan comes with Free Health Check-up.

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Ambulance Cover

In case of life-threatening condition or injury, the insurer will reimburse expenses incurred by you while availing a road ambulance during the hospitalization up to the specified limit as mentioned in policy benefits.

AYUSH/Alternate Treatment

Ayurveda, Unani, Siddha or Homeopathy treatments are also covered up to specified limit in case of hospitalization and few plans even cover Alternate Treatment expenses upto Sum Insured. Which makes the health insurance even more necessary.

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No Claim Bonus

In the event of no claim during policy period, the insurer will give a specified percentage of Bonus post renewal of the Health Insurance policy, such bonus amount shall be added to Sum Insured providing additional coverage to you.

Restoration Benefits

Allows insured to reinstate the entire sum insured in the policy year when the actual sum insured of the plan gets exhausted due to incurred claim. Restoration Benefit triggers automatically, if the conditions are met as specified in the policy terms and conditions.

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Daily Cash Benefits

During the period of hospitalization, you get additional amount for each day. This additional amount will support you and your family to take care of other miscellaneous expenses.

Get the SafeTree Advantage

Risk Janampatri

SafeTree has developed a tool which prepares a Risk Janampatri which defines risk profile and aptitude of the customer.

Customized Plans

SafeTree has compared quotes from various reputed insurers and based on risk profile, Age, previous medical history, a customized need-based solution is offered.

Smooth Claim Process

Dedicated team to support smooth claims process and provide complete assistance

Regular Updates

We will provide you support to further strengthen your protection on the changing nature of risk.


Get answers to the most frequently asked questions

You can cover Self, Spouse, dependent children and parents.

Health Insurance companies use Co-Payment after insured member turns a certain age. Co-pay is that part of your claim amount, which you have to bear.

You have the option to buy medical insurance either for 1 year, 2 years or 3 years. Buying it for more than 1 year entitles you to get discounts on premium.

After a claim is filed and settled, the coverage amount would be reduced by the sum that has been paid.

The declared pre-existing illnesses would be covered after the waiting period specified under the policy.

One can pay the medical expense cost from their pocket, post which they can follow the reimbursement claim process to claim the medical expenses from the insurer.

A Hospital, which has an agreement with the insurer for providing Cashless treatment, is referred to as a 'Network Hospital'. Cashless facility is provided ONLY at the network hospitals. Non-network hospitals are those with whom the insurer does not have any agreement and any policyholder seeking treatment in these hospitals will have to pay for the treatment and later claim as per reimbursement procedure.

Yes, you can apply for the policy, however post receipt of the proposal along with the complete medical history of the insured, the policy will be underwritten as per the underwriting guidelines of the insurer, post which the decision on the policy will be shared.

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