What is usually not covered under health insurance?

Cosmetic surgeries, dental work, fertility treatments, eyewear, and injuries you caused yourself are usually not covered under health insurance. Anything linked to alcohol or drug use gets rejected, too. Pre-existing conditions only get covered once the waiting periods end. Always read the exclusions page before buying. That one page tells you more about a policy than the entire brochure does.

Is it possible to use multiple types of health insurance plans together?

Yes, it is possible to use multiple types of health insurance plans together. Most people start by exhausting their employer's coverage and then claim the leftover from their personal policy. Just make sure both insurers are in the loop when you file. Stacking a base plan with a top-up is another common approach that gives you more total coverage without a big jump in premium.

Are there tax benefits to health insurance?

Sections 126 (previously known as Section 80D) gives you a deduction of up to ₹25,000 on premiums paid for yourself, your spouse, and your kids. Add your parents to the mix, and you get another ₹25,000. That goes up to ₹ƒ50,000 if your parents are senior citizens. So, besides protecting your health, the policy quietly reduces what you owe in taxes every year.

What are the main types of health insurance plans in India?

The main types of health insurance plans in India are Individual plans, family floaters, senior citizen policies, critical illness covers, top-up plans, maternity insurance, personal accident insurance, group health insurance, and mediclaim. Each one addresses a different need. Relying on just one rarely gives complete protection, which is why most people end up holding two that work well together. _**Disclaimer**: The information shared in this blog is intended solely for general awareness and should not be considered a substitute for professional medical advice, diagnosis, or treatment. Always seek the guidance of a qualified healthcare provider for personalised recommendations and care._

Types of Health Insurance: Explained

Published on 11 JUL 26 | 5 MIN READ

Authored by Team Prudential

Table of Contents

Different Types of Health Insurance Plans

Individual Health Insurance Plans

Family Health Insurance Plans

Critical Illness Insurance

Senior Citizen Health Insurance

Top-up Health Insurance

Maternity Health Insurance Plans

Personal Accident Insurance

Group Health Insurance

Mediclaim Insurance

Comparing Different Health Insurance Plans

Key Considerations Before Choosing a Health Insurance Plan

Conclusion

FAQs on types of health insurance