Why Compare Insurance with us?
There are more than 50 insurance companies in India providing protection to our lives and our assets. Whether it is life, health, motor or any other insurance policy, MyInsuranceClub simplifies the products to help you select the best insurance plan at the right price.
We are an IRDAI approved insurance comparison site and our operations are audited periodically by the Insurance Regulator
Our team of advisors undergo a mandatory training and examination conducted by the Insurance Institute of India.
When you compare plans with us, you not only get the most suitable plan for your protection but also save money by comparing similar plans
We disaplay premiums of all insurance companies partnered with us. No one is left out or shown any bias
Our team will assist you in making claims in your policy. We are just a phone call away and will help you with the entire claim process
How MyInsuranceClub Works
We fetch the premiums and features of plans from various insurance companies and compare them for your easy understanding. We cut through the jargon and ensure that you can make an informed decision before you purchase the plan.
We enter into agreements with insurance companies to offer their products on our site, based on IRDAI guidleines
You share your requirement
Based on your inputs, we fetch all plans of partner insurance companies which match your requirement.
Assistance on Call
Our Trained and Certified Advisors offer assistance to you in comparing and understanding the plans better
You purchase the policy
Once you select the plan, you fill up the application form and make the payment to the insurance company (we do not collect any money)
Instant Policy Issuance
In most cases, the policy is issued instantly to you. In case of medicals of any further underwriting, we assist you till completion
Yukti she explained me each and every thing about my policy then i purchased. She knows better time management. She is very friendly not like as other tele caller. In future if i need more plan i will definitely consult her.
Ms. Prapti, very professional and focused. She helped me to understand the diference between the policies, pleasure to work with, got the policy issued much sooner than expected.
It was good support from Subhojeet Shah to make Home loan protection plan of HDFC .so it was good experience to me. From Subhojeet shah ji..Thankyou
What is the difference between health insurance and a mediclaim policy?
There is no difference between a health insurance policy and a mediclaim policy. Earlier the medical insurance policies were called mediclaim. Later on as the plans started getting more comprehensive, the more appropriate term of health insurance started being used. Even now, we have the PSU plans which are called Mediclaim but offer the same benefits as any other health insurance plan.
Is Coronavirus (COVID-19) Treatment covered in health insurance?
The outbreak of Coronavirus (Covid-19) has devastated the healthcare industry. Your health insurance policy will cover the hospitalisation expenses arising from Covid-19 disease. There are also specific health plans for Covid related treatment.
What is the maximum number of claims allowed in a year?
One can make any number of claims in a year. The limit of claims is the cover amount chosen by the policyholder and not the count of claims. You can make as many claims as you want in a policy year, as long as you do not exhaust your cover amount.
Can I cancel my health insurance policy after purchase?
You get a free look period of 15 days after you buy a health policy. During this period, you can cancel your policy and get a refund. Even after the free look period, If no claims have been made, you can cancel the health insurance policy anytime and get a partial refund depending on the time of cancellation - Know more here.
Will I get more benefits by buying health insurance at an early age?
There are benefits of buying health insurance at any early age. The chances of any pre-existing illnesses are low, so your policy will get issued without an issue. You can also accumulate No-Claim Bonus and enjoy an increased cover amount as chances of claims are lesser when you are young and healthy. Also, the health insurance policies offer lifelong cover - so once accepted, the cover will continue for life as long as you keep renewing on time.
Can I transfer my health insurance policy from one health insurance company to another?
Yes, you can transfer your medical insurance policy from one health insurer to another. The process of transferring your policy is known as health insurance portability. You can do the transfer at the time of renewal. You should initiate the process 45 days from the date of renewal of your current policy. Know more about health insurance portability.
Which family members can I cover?
A family floater health insurance plan provides coverage to the policyholder, spouse, dependent children and parents. You can take a single cover for your entire family or select a dedicated cover amount for each family member. Plans which have a single cover for all your family members are called Family Floater Health Insurance Plans.
What is a network hospital in health insurance?
Every Health Insurer has tie-ups with several hospitals where the insured person can avail cashless treatment benefit. Such hospitals are known as Network Hospitals of that insurance company. If you avail treatment at a network hospital of your plan, you can avail cashless treatment. If not, you will have to make the payment to the hospital and the insurer will pay your back through the process of reimbursement claim.
Can I buy more than one health insurance plan?
Yes, definitely. You can have more than one health insurance plan. Very often, you end up with a corporate plan provided by your employer and your personal health insurance plan. You can make a claim from any of the health insurance plans which you have.
Do I have to undergo any medical tests before buying a health insurance plan?
You may have to undergo a medical test before you buy a mediclaim policy if your age is above 45 years or if you have a health condition. The need for medical tests will depend on the underwriting standards of the insurer. Medical tests are conducted to know if there are any pre-existing illnesses and to assess your overall health before issuing the best medical insurance policy.