INTRO
Medical emergencies are unpredictable — but the financial impact doesn’t have to be devastating. A well-chosen health insurance plan ensures that you and your family can access quality medical care without worrying about the cost.
At Sama Insurance Brokers, we help you select health insurance that genuinely covers what matters — hospitalisation, critical illness, pre and post-hospitalisation expenses, and more.
TYPES OF HEALTH INSURANCE
Individual Health Insurance Covers a single insured individual for hospitalisation and medical expenses.
Family Floater Health Insurance A single policy that covers the entire family (spouse, children, parents) under one sum insured. Cost-effective for families.
Senior Citizen Health Insurance Designed specifically for individuals above 60 years, covering age-related ailments and hospitalisation.
Critical Illness Insurance Provides a lump-sum benefit upon diagnosis of listed critical illnesses such as cancer, heart attack, stroke, kidney failure, and others.
Group / Corporate Health Insurance Employer-provided health insurance covering employees and sometimes their dependents.
WHAT IS COVERED
✅ Hospitalisation expenses (room rent, ICU, surgeon fees)
✅ Pre-hospitalisation expenses (diagnostics, consultations)
✅ Post-hospitalisation expenses (follow-ups, medicines)
✅ Day-care procedures
✅ Ambulance charges
✅ AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) in many plans
✅ Maternity and newborn cover (in selected plans)
✅ Annual health check-ups
WHAT IS NOT COVERED (COMMON EXCLUSIONS)
❌ Pre-existing diseases (typically covered after a waiting period of 2–4 years)
❌ Cosmetic or aesthetic treatments
❌ Self-inflicted injuries
❌ Dental treatment (unless resulting from accident)
❌ Spectacles and contact lenses
HOW WE HELP
- Needs Assessment — We understand your health profile and budget before suggesting plans.
- Comparison — We compare plans from multiple insurers on coverage, exclusions, network hospitals, and premium.
- Renewals — We remind you before your policy lapses and help renew without breaks.
- Claim Assistance — We guide you through cashless and reimbursement claims.
FAQ
Q: What is the waiting period in health insurance?
A: Most plans have a 30-day initial waiting period (except accidents), and 2–4 years for pre-existing diseases. Some plans also have disease-specific waiting periods.
Q: What is a cashless claim?
A: A cashless claim allows you to receive treatment at a network hospital without paying upfront. The insurer settles the bill directly with the hospital.
Q: Is there a tax benefit for health insurance premiums?
A: Yes. Premiums paid for health insurance are eligible for deduction under Section 80D of the Income Tax Act.
