Benefits and Advantages of Health Insurance by HDFC Health

Benefits of Health Insurance


Owning a health insurance plan is no longer an option. Given the frequent incidence of diseases and illnesses and escalating cost of treatment, it is now a must-have for every individual / family.

In times of economic uncertainty, owning a cashless mediclaim policy becomes ever more critical. As work and family life take up the bulk of an individual’s attention and finances, having medical costs discharged by a health insurance plan can be both a comfort and an asset.

Here are the most important benefits of health insurance:

  1. Funds at short notice

    The most obvious benefit of health insurance is access to funds. Even if the individual is in a financial crunch, he need not hold back on medical treatment. He can go for treatment with the confidence that the health insurance plan will pick up the tab subject to the sum assured and other terms and conditions.

    Without health insurance, few people would have the resources to pay for the treatment out of their pockets. Some illnesses can leave such a huge financial dent that one could be left with the bills for a really long time.

  2. Worry-free, positive outlook

    Owning a health insurance policy and knowing that you will not be at the mercy of an illness that will leave you physically and financially short, can have a positive effect on your work and family life. With better health treatment, you are in a better frame of mind and body to fulfill responsibilities at work and home more effectively.

  3. Tax benefits

    Although not a key reason to opt for health insurance, the tax benefits cannot be ignored given the considerable savings.

    The amount paid towards medical insurance premium for self/spouse/children provides tax exemption under section 80D for a maximum of Rs 15,000. There is an additional benefit of Rs 15,000 on mediclaim premium for parents (Rs 20,000 if parents are senior citizens).




Presented by :

Category : Family Health Insurance

*premium Amount for Male, 35 yrs, 10 year term, Silver option, including tax.
HDFC Standard Life Insurance Company Limited.

Insurance is the subject matter of the solicitation. For more details on risk factors, associated terms and conditions and exclusions please read the product brochure before concluding a sale. HDFC Life Health Assure Plan (Form No. P501-105, UIN: 101N087V01) is the name of traditional health plan offered by HDFC Life. HDFC Standard Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Health Assure Plan is only the name of the product. The name of the company, name of the brand and the name of the product does not in any way indicate the quality of the contract, its future prospects or returns. HDFC Standard Life Insurance Company Ltd. IRDAI Reg No. : 101. ARN: MC/03/2015/6186.
CIN: U99999MH2000PLC128245. Tax benefits are subject to change in tax laws.

Corporate Office & Registered Address

HDFC Standard Life Insurance Company Ltd.
Lodha Excelus, 13th Floor Apollo Mills Compound,
N.M. Joshi Marg, Mahalaxmi
Mumbai, Maharashtra 400011
Telephone: (022) 67516666

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