Health Insurance

Protect Your Health With Complete Confidence

Get reliable health insurance guidance for individuals, families, and senior citizens with coverage built around real-life medical needs.

Introduction Section

Smart Protection For Every Individual & Family

Health insurance is a type of financial protection that helps cover your medical expenses when you get sick, injured, or need healthcare services.

Health insurance policies cover hospitalisation costs, surgeries, doctor consultations, medicines, and a wide range of medical treatments depending on the plan chosen.

It also provides preventive care benefits, emergency services, and coverage for pre-existing conditions after the applicable waiting period.

Medical treatments can be very expensive, especially in emergencies. Health insurance protects you from sudden large expenses and ensures you can get proper treatment without any financial stress.

Instant Guidance Policy comparison, renewal help, and add-on selection in one place.
Claim Support Step-by-step support during claim filing and documentation.
Flexible Covers Solutions for individuals, families, employees, and senior citizens.
Types of Insurance Plans

Find The Right Plan For Your Health Needs

From personal coverage to family floater plans, we have tailored health insurance solutions built for every stage of life and every kind of need.

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Individual Health Insurance

Personal Health Protection

Comprehensive health coverage designed exclusively for one person, covering hospitalisation, surgeries, and medical treatments.

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Family Floater Health Insurance

Complete Family Cover

One policy that covers your entire family under a shared sum insured, offering affordable and wide-ranging protection for all members.

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Group Health Insurance

Employer-Provided Coverage

Provided by employers to employees as a workplace benefit. Covers employees and sometimes their families, making healthcare accessible for the entire workforce.

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Senior Citizen Health Insurance

Coverage For 60 & Above

Specially designed plans for senior citizens aged 60 years and above, addressing age-related health conditions with higher coverage and minimal exclusions.

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Top-Up & Super Top-Up Plans

Extra Protection Layer

Provides additional coverage above your existing health insurance policy, ensuring you are protected for large or unexpected medical bills.

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Personal Accident Cover

Accident & Disability Shield

Covers accidental death, permanent or partial disability, and injuries arising from accidents, providing financial security during the most critical moments.

Coverage Types

What Health Insurance Usually Covers

Health insurance plans are designed to address a wide range of medical needs, from routine consultations to critical hospitalisations.

Medical Coverage

Medical & Hospital Coverage

  • Doctor Consultations and specialist visits
  • Hospitalisation and in-patient treatment
  • Surgeries and operation theatre charges
  • Medicines and prescribed drugs
  • Hospital Room Charges
Core Coverage
Preventive Coverage

Preventive & Emergency Coverage

  • Preventive health check-ups and screenings
  • Emergency services and ambulance charges
  • Day-care procedures and OPD treatments
Additional Benefits
Documents Required

Keep These Ready Before You Apply

Having the right documents in hand makes your health insurance policy purchase, renewal, or claim process faster and hassle-free.

01
ID and Address Proof

ID & Address Proof

PAN Card Aadhaar Card
02
Age Proof

Age Proof

Birth Certificate Passport 10th Marksheet
03
Health Declaration

Health Declaration Form

04
Medical Test Reports

Medical Test Reports

Required for senior citizens or high sum insured proposals as per insurer guidelines.

What's Covered

Protection That Works For You

  • In-patient hospitalisation expenses including room rent
  • Pre and post hospitalisation medical costs
  • Day-care procedures not requiring 24-hour admission
  • Ambulance charges during medical emergencies
  • Organ donor expenses for transplant surgeries
  • Cashless treatment at network hospitals
What's Not Covered

Common Exclusions

  • Cosmetic or aesthetic treatments and surgeries
  • Self-inflicted injuries or suicide attempts
  • Dental treatment unless caused by an accident
  • Infertility or fertility-related treatments
  • Injuries from war, invasion, or nuclear activities
  • Claims during the applicable waiting period
Enhance Your Protection

Add-Ons That Make Coverage Stronger

Room Rent Waiver

Removes the room rent sub-limit so you can choose any hospital room category without worrying about extra out-of-pocket costs.

Maternity Cover

Covers delivery expenses, newborn baby care, and pre and post-natal medical costs for planned or emergency childbirth.

Critical Illness Cover

Provides a lump sum payout on diagnosis of serious illnesses like cancer, heart attack, kidney failure, or stroke.

OPD Cover

Covers outpatient department expenses including doctor visits, diagnostic tests, and pharmacy bills that do not require hospitalisation.

Personal Accident Cover

Pays a lump sum benefit in case of accidental death, permanent total disability, or partial disability caused by an accident.

Hospital Cash Benefit

Provides a fixed daily cash allowance for each day of hospitalisation to cover incidental expenses during your hospital stay.

Restoration Benefit

Automatically restores the sum insured once it is exhausted during the policy year, so you remain protected throughout.

International Treatment Cover

Covers costs for treatment taken abroad for specific critical illnesses where advanced medical care is required outside India.

Claim Process

How To File A Claim

A clear and timely claim process helps reduce stress during medical situations. Here is how we help clients move forward.

1

Inform Claim

Notify Times Care immediately after hospitalisation or before a planned admission.

2

Hospital Admission

For cashless claims, show your health card at a network hospital TPA desk.

3

Submit Docs

We assist in collecting and submitting all medical bills, reports, and discharge summaries.

4

Approval

Cashless approval at network hospital or reimbursement after treatment.

5

Settlement

Claim amount settled directly with the hospital or transferred to your account.

Why Choose Times Care
Why Choose Times Care

Reliable Support Beyond Just Policy Purchase

✔ Instant policy issuance

✔ Paperless process

✔ Affordable premiums

✔ 24/7 customer support

✔ Easy claim process

Have Any Questions?

Get quick answers to common health insurance queries around coverage types, waiting periods, claim timelines, and renewal support.

Contact us
What is health insurance?

Health insurance is a type of financial protection that helps cover your medical expenses when you get sick, injured, or need healthcare services, reducing the burden of high medical costs.

What is the difference between individual and family floater plans?

An individual plan covers only one person with a dedicated sum insured, while a family floater plan covers all family members under a single shared sum insured, typically at a lower combined premium.

What is a waiting period in health insurance?

A waiting period is the time after policy purchase during which certain conditions or claims are not covered. Common waiting periods are 30 days for general illness, 2 years for specific diseases, and 4 years for pre-existing conditions.

How long does claim settlement take?

Cashless claims at network hospitals are generally approved within a few hours. Reimbursement claims depend on documentation completeness and insurer processing timelines, but timely reporting helps speed things up.

Live Healthier With Better Protection And Better Support

Speak with Times Care to compare health insurance options, add-ons, and renewal strategies that fit your health needs and your budget.