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OneInsure Benefits

Buying a health insurance plan is just not enough and we understand that. With OneInsure, experience the new way of purchasing, managing and getting service-support on all types of health insurance policies.

Claim Assistance

Right from keeping your policies claim ready till claim settlement, we got everything covered!

Service & Support

Round the clock assistance from our team of subject matter experts on all types of health policies for a lifetime.

Competitive Rates

Compare health insurance plans and get the right policy at the most competitive rates.

OneInsure App

Experience the ease of managing your policies from anywhere and anytime.

Features to Look For

Each health insurance plan is different! Understand and make a note of the following features to select the right plan for yourself.

Restore & Recharge

Automatically restore or reinstate up to 100% sum insured amount when it gets reduced owing to an earlier claim disbursed.


For newlywed couples and those who are planning for another baby it is better to have a maternity rider along with the policy.

No Claim Bonus

Receive a percentage increase on your sum insured amount by not making any claim for one policy year.

Free Health Check-up

Look for health plans that offer free health check-up for the policyholder and the members covered.

Premium Determiners

To determine the premium amount for any health insurance policy, the insurers take the following aspects into account.

Current Age

The younger you are, the lower will be your premium and vice versa.

Members Covered

Premium differs based on the number of members the policy covers. More members mean higher premium.

Coverage Amount

Your desired coverage amount will influence your premium.

Policy Term

Buying a health policy for more than 1 year will get you discount on your premium.

Riders / Add-ons

Each rider/add-on has its separate charges. With every rider you opt, your premium increases.


Know what you are buying! Before you make your mind about your policy, it is recommended to go through our FAQs to understand the different aspects of a health insurance policy.

What is Health Insurance?

Health insurance is a coverage that pays for the insured’s medical and surgical expenses, arising out of sickness or injury. In most cases, insurance companies also cover the medical expenses incurred both during pre (usually 30-90 days) and post (usually 60-180 days) hospitalization.

Top 5 benefits of Health Insurance?

There are many benefits of having a health insurance in place. A typical health plan covers unexpected healthcare expenses, provides better quality of treatment, regular medical attention, better lifestyle and has tax benefits on the premiums paid.

How much Health Insurance cover should one buy?

The cover amount of the policy should be based on multiple factors like medical treatment cost in your locality, your age, inflation, smoking habits, etc. It is advisable to have a minimum cover of 5 lakhs for both individual and family floater plans.

What is pre-existing diseases/condition in a Health Insurance Policy?

Pre-existing diseases are those medical conditions which existed even before purchasing the insurance. E.g. High blood pressure, diabetes, asthma, cancer, etc. Different insurers have different policies and while most policies have a waiting period of 48 months, there are some with a lock-in period of just 24 months.

What are the top 10 Health Insurance riders/add-ons to consider?

OPD, Maternity, Hospital Cash, Critical illness, Personal Accident, Worldwide Emergency, Cumulative Bonus Booster, Unlimited Recharge, Reduction in Maternity waiting period, Convalescence Benefit, and Restoration of SI are the most sought-after riders/add-ons to consider while buying a health insurance policy.