Tax Benefits?The annual premium amount paid for a health insurance policy can be deducted from the total taxable income under Section 80D of the Income tax act, 1961. This deduction is independent of the deduction available under Section 80C. For individuals younger than 65 years, the 80D deduction available is Rs 15,000/- for self, spouse and dependent children. Another deduction of Rs 15,000/- is available for the premium paid for one's parents. This amount increases to Rs 20,000/- if the parent is a senior citizen.

It must be noted that the tax deduction is not available for cash payments. The premium payments has to be made either by cheque or credit card to qualify for 80D deduction.
 

Portability?Portability is a facility which allows health insurance policy holders to transfer their insurance coverage from one insurance company to another without losing any benefits that customers have accumulated with the first company.
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Maternity Benefits

Insurance customers can compare the details of coverage for maternity benefits offered under Indian mediclaim insurance. The below details of maternity coverage can help customers quickly understand the plan coverage and make an informed choice. There are only few insurance companies who offer exclusive health insurance coverage for maternity in India. Choose a plan as per your health insurance requirements and buy.

Health Insurance Plans
Maternity Coverage
  • » Health Secure:Not Covered
  • » Health Secure Plus:Covered after 2 years
  • » Health Protect:Not Covered
  • » Health Protect Plus:Covered after 2 years


  • » Silver Plan: Covered upto the maximum of Rs.30,000/- after 2 years, Upto 2 deliveries
  • » Gold Plan: Covered upto the maximum of Rs.50,000/- after 2 years, Upto 2 deliveries
  • » Platinum Plan: Covered upto the maximum of Rs.1,00,000/- after 2 years, Upto 2 deliveries
  • » New born baby covered upto sum insured.
  • » Vaccinations for children upto 12 years and nutrition and diet consulting .
  • » Pre and post Hospitalization related to maternity

  • » Easy Health Standard Plan: Not Covered
  • » Easy Health Exclusive Plan: Covers maternity expenses incurred both before and after child birth procedures [For Sum Insured 4.00, 5.00 lacs: Normal Delivery Rs.15,000, Caesarean Delivery Rs.25,000 (including Pre/Post Natal Limit of Rs.1,500 and New Born limit of Rs. 2,000); For Sum Insured 7.50, 10.00 lacs: Normal Delivery Rs. 25,000, Caesarean Delivery Rs.40,000 (including Pre/Post Natal Limit of Rs.2,500 and New Born limit of Rs. 3,500)].
  • » Easy Health Premium: Covers maternity expenses incurred both before and after child birth procedures [For Sum Insured 4.00, 5.00 lacs: Normal Delivery Rs.15,000, Caesarean Delivery Rs.25,000 (including Pre/Post Natal Limit of Rs.1,500 and New Born limit of Rs. 2,000); For Sum Insured 7.50, 10.00 lacs: Normal Delivery Rs. 25,000, Caesarean Delivery Rs.40,000 (including Pre/Post Natal Limit of Rs.2,500 and New Born limit of Rs. 3,500)].

  • » Covered after 3 years
  • » Coverage only for delivery
  • » New Born Baby covered up to 5 months. The sum insured is restricted up to 10% for mother.
  • » This cover is not available for immunization expenses / post-natal expenses




Note:

*No Sublimits: A limit for a subset of items that are collectively subject to a larger limit. For example, a limit on insurance claims for a specific item despite the fact that the overall policy has a higher limit.

**Sum Insured: Means the sum shown in the Schedule which represents Our maximum liability for each Insured Person for any and all benefits claimed for during each Policy year, and in relation to a Family Floater represents Our maximum liability for any and all claims made by You and all of Your Dependents during each Policy Year.