What your policy actually covers
Sum insured, sub-limits, co-payment and room rent — in plain language.
Health insurance awareness for India
Understand Your Health Insurance. Protect Your Financial Future.
Most families discover the fine print of their health policy only at the hospital billing desk. We help you understand your cover before that day — clearly, patiently and without sales pressure.
Free. No obligation. Your details are used only to respond to your request.
What we help you understand
Four things decide whether a health policy protects your finances. We explain each of them the way we would to our own family.
Waiting periods and exclusions
Why some claims are not payable in the first years, and what to check.
How claims really work
Cashless versus reimbursement, documents, and the common reasons for delays.
Cover for your family and parents
Floater versus individual, senior-citizen cover and realistic sum insured.
Learn Health Insurance Your Way
Whether you're a policyholder looking for clarity or an insurance professional looking to sharpen your knowledge, BimaParichay is building practical learning paths for you.
Consumer
Understand your health insurance
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Free tool
How Much Health Insurance Cover Might You Need?
Don’t guess. Get an indicative estimate based on your circumstances.
Our free Health Insurance Coverage Estimator helps you get a clearer starting point by considering factors such as your age, family size, location and existing coverage.
- Free to use
- No phone number required
- No email or registration required
100+ coverage estimates completed
Helping people get a clearer starting point for their health-insurance planning.
Check My Indicative Coverage
Educational estimate only. It is not a recommendation, quotation or guarantee of coverage.
Already have health insurance?
Knowing how much cover you may need is only one part of the picture. Do you know what your existing policy actually covers?
Get a Free Policy ReviewTwo ways to get free help
Free policy review
Share a few details about your existing cover and we will walk you through what it includes, where the gaps usually are, and what to ask at renewal.
Request a reviewFree awareness sessions
Short, practical online sessions in English and Hindi on sum insured, claims and renewals. Ask questions, get straight answers.
See the scheduleLatest awareness articles
Practical reading, five minutes at a time.
Claims
Health Insurance Deductible vs Co-payment vs Sub-limit: What's the Difference—and How Can Each Affect Your Claim?
Three terms that can quietly change how much you pay from your own pocket. Understanding the difference before a hospitalisation can help you avoid an unpleasant surprise at the billing counter.
27 August 2026 · 12 min read
Health Insurance Basics
What Is ABHA? Your Digital Health Account Explained — Benefits, Uses & What You Should Know
A simple guide to Ayushman Bharat Health Account, digital health records, consent and how ABHA can make healthcare easier.
27 August 2026 · 13 min read
Claims
Cashless Approved? Don't Assume Your Entire Hospital Bill Is Covered
Cashless approval is not the same as the insurer paying everything. Understand what cashless really means, why you may still pay at discharge, and what to check before leaving the hospital.
25 August 2026 · 12 min read
Not sure whether your cover is enough?
Ask for a free, no-obligation review. We read the policy details with you and explain them in everyday language.