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Health Insurance

Health Insurance

Easy Health Insurance Plan

Health Insurance Plan

A medical insurance policy, also called as health insurance, covers medical expenses for illnesses or injuries. It reimburses your bills or pays the medical care provider directly on your behalf. A comprehensive medical insurance covers the cost of hospitalisation, daycare procedures, medical care at home (domiciliary hospitalisation), ambulance charges, amongst others.

A health insurance plan helps you stay covered against various diseases. Additionally, it helps you boost tax savings. Under section 80D of the Income Tax Act, 1961, you can claim tax benefits against your health insurance premium.

Cashless Everywhere

Have the freedom to choose any hospital for your & your family's treatment without worrying about your Anika enterprises. Avail cashless hospitalisation benefits not just at network hospitals but at any hospital near you. You no longer have to find a network hospital or wait for the claim refunds. With cashless hospitalisation benefits at any hospital, you can fast-track your and your family's recovery without any added stress from hospital bills.

benefits of health insurance policy?

Covers complete OPD requirements
Covers pre and post hospitalisation
Covers pre-existing diseases
Provides cashless treatment
Lets you claim tax benefit
Provides additional sum insured

How to save tax with a health insurance policy?

Under the Income Tax Act of 1961, if you are under 60 years of age, you can get a tax exemption of up to ₹25,000 on your health insurance policy premium.

If both individuals and parents are above 60 years, the premium is subject to the maximum tax deduction of ₹1 lakh.

Senior citizens are allowed a maximum tax deduction of ₹50,000 on their policy premium.

If the premium is paid for both individuals and parents under 60 years of age, the maximum deduction allowed is ₹50,000.

If the premium is paid for an individual and family below 60 years, but parents above 60 years, the maximum deduction allowed is ₹75,000.

These deductions are provided under section 80D of the Income Tax Act, 1961.

Preventive health check-ups are allowed an additional deduction of ₹5,000. However, this cannot exceed the maximum deduction threshold of ₹25,000 or ₹50,000, depending on the individual insured in the health policy.