Apollo 24|7 now brings you health insurance plans from India’s top
insurers.
We will help you select the best policy which is Always Enough for
your healthcare needs.
We will then recommend plans that are suited to your health needs from some of India’s top insurers. You can then compare plans that offer add-ons like maternity cover, OPD benefits, family floater options or even a family doctor program.
Choose the best health insurance policy for you and your family today on Apollo 24|7 Insurance.
The Niva Bupa top up plan on Apollo 24|7 upgrades your existing base cover to keep you secured, always. This additional financial safety net helps keep you covered without you having to buy another health insurance plan.
From health insurance to medicines, manage it all on the app.
Pre-existing diseases (PEDs) are any medical conditions, illnesses, or injuries that you’ve been diagnosed with or received treatment for before purchasing a health insurance policy. Insurers consider conditions like diabetes, hypertension, asthma, or past surgeries to determine coverage terms.
Pre-existing diseases are typically covered after the waiting period, but certain conditions may have extended waiting periods or exclusions based on insurer policies. Common examples include severe heart conditions, certain types of cancer, and autoimmune disorders.
Diagnostic tests, like blood sugar tests, X-rays, or CT scans, are covered if linked to a covered illness or hospitalisation. Tests conducted during pre- and post-hospitalisation periods as well are covered under the policy. For standalone diagnostic expenses, you may need an OPD add-on, which may have sub-limits or annual caps.
Yes, maternity coverage is typically part of family floater plans or add-ons. It often includes a waiting period of 9 months to 4 years and sub-limits for expenses like delivery and prenatal care. If you too are planning to grow your family, you can find many maternity-inclusive plans from India’s top insurers on Apollo 24|7.
The coverage duration for pre- and post-hospitalisation expenses typically depends on the policy you choose. Most health insurance plans offer:
Premiums can increase due to age, medical inflation, or claims made. However, policies with no-claim bonus protection can counter hikes.
Medical inflation in India averages 10–15% annually, increasing treatment costs and influencing premium renewals.
