HEALTH CARE

Protecting Your Family's Health & Wealth

Secure 100% cashless hospitalization, flexible EMI options, and comprehensive pre-existing illness covers from Day 1. Don't let medical bills compromise your peace of mind.

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Why Health Insurance is Essential

With rising healthcare costs and the unpredictability of medical emergencies, a comprehensive health insurance policy is no longer optional. It serves as your financial shield, guaranteeing that medical emergencies do not drain your lifetime savings.

Our plans provide tax exemptions under Section 80D, cover modern outpatient procedures, and offer cashless support at top hospitals nationwide.

Key Plan Highlights

EMI Facility: Spread premiums into monthly payments.
100% Cashless: Direct settlement with hospitals.
PED Cover: Reduced waiting times for pre-existing diseases.
Maternity Cover: Inclusive pregnancy expense covers.
Immediate Covers: Asthma, BP, Sugar covers from Day 1.

Deep Coverage Benefits

Cashless Network

Admit yourself with absolute ease. We work with over 10,000 top-tier hospitals across India to ensure direct cashless settlement.

Maternity Care

Welcoming a new life is joyous. Our policy offers comprehensive support for maternity and newborn care expenses from day one.

Chronic Disease Cover

Don't wait for relief. Get instant covers for outpatient therapies and medications for diabetes, hypertension, and asthma from Day 1.

What is Covered & What's Not

Clear disclosures represent the pillar of trust. Know exactly what your policy pays for.

Standard Inclusions

In-patient hospitalization charges (ICU, Room Rent, Nursing fees)
Pre and post-hospitalization bills (up to 60 and 90 days respectively)
Modern daycare treatments (like cataracts, dialysis) requiring < 24h stays
Road Ambulance expenses to the nearest network hospital
Domiciliary hospitalization if patient cannot be moved

Standard Exclusions

Cosmetic, obesity, or aesthetic procedures (plastic surgery)
Treatment due to intentional self-harm or suicide attempts
Consequences arising from alcohol abuse, drugs or addictive materials
Pregnancy complications arising outside the maternity cover guidelines
Experimental or unproven medical methods/procedures

Insurers offering Health Insurance covers

3 Easy Steps to Claim

How to secure a hassle-free cashless settlement at partner hospitals.

Hospital Intimation

Inform the hospital TPA desk or our claims coordinator within 24 hours of emergency admission, or 72 hours prior for planned treatments.

Pre-Auth Submission

Submit your Aadhiraksha health card, official ID proof (Aadhaar/PAN), and doctor's medical prescription to the hospital insurance desk.

Cashless Approval

The insurer verifies the medical documents and issues the cashless approval directly to the hospital within 2 hours.

Frequently Asked Questions

Find quick answers about health insurance coverage parameters.

What is cashless hospitalization? +

Cashless hospitalization is a facility where the policyholder does not have to pay the hospital bills out of pocket. The insurance company directly coordinates and settles the bills with the empanelled network hospital.

Are pre-existing diseases covered from Day 1? +

It depends on the policy chosen. Standard policies have a 2 to 4 year waiting period for pre-existing conditions, but premium plans offered through Aadhiraksha can reduce or completely waive this waiting period from Day 1.

How does tax exemption work under Section 80D? +

You can claim tax deductions up to ₹25,000 per year for premiums paid for yourself, spouse, and children. An additional deduction of up to ₹50,000 is available for senior citizen parents' premiums.

What Our Clients Say

Verified reviews from families who trust Aadhiraksha for protection covers.

★★★★★

"Aadhiraksha helped us choose a premium health floater. When my mother had an emergency admission, their support team coordinated the cashless approval within 90 minutes. Lifesaving service!"

Rajesh Kondapuram

Hyderabad, Telangana