By Okbima 05 Jun 2024

Can I Buy Health Insurance And Use It Immediately?

No, you can not use health insurance just after buying it immediately, but coverage for planned hospital stays depends on the plan. Some plans have a waiting period before certain expenses are covered. If you want to use your insurance immediately for planned procedures, look for plans with a "zero waiting period." 

These plans cover most medical expenses, except for pre-existing conditions, from the start. So, read the policy carefully to understand waiting periods for different situations, and be honest about your medical history when applying.


Types Of Health Insurance Plans In India

There are various types of health insurance plans to cater to different needs and preferences. Below, we have mentioned the top 3 health insurance plans in India.

1. Individual Health Insurance Plans

Individual health insurance plans provide coverage for individuals and families who are not covered by employer-sponsored insurance.

  • Coverage: Medical expenses, hospitalization costs, pre and post-hospitalization, surgery, and sometimes daycare procedures.

  • Sum Insured: The sum insured is specific to the individual covered.

  • Benefits: Customizable based on personal health requirements, and tax benefits under Section 80D of the Income Tax Act.


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2. Family Health Insurance Plans

Family health insurance plans provide coverage for all members of a household, ensuring that everyone has access to necessary medical care.

  • Coverage: Medical expenses for all family members, including spouse, children, and sometimes dependent parents.

  • Sum Insured: A floater sum insured is shared among all members.

  • Benefits: Cost-effective as compared to buying individual plans for each member, tax benefits under Section 80D.


3. Group Health Insurance Plans

Group health insurance plans provide coverage for a specific group of individuals, such as employees of a company & offer more comprehensive benefits at lower costs than individual health insurance plans.

  • Coverage: Medical expenses for employees and their families.

  • Sum Insured: Fixed sum insured for each employee or a floater sum insured.

  • Benefits: Low cost as premiums are negotiated in bulk, covers pre-existing diseases from day one, and tax benefits for employers.


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Using Health Insurance Immediately After Purchasing

If you want to use health insurance immediately after purchasing then you should understand the waiting period for health insurance, coverage for pre-existing conditions, etc

  • Understanding waiting periods for coverage: When you buy health insurance, there may be waiting periods before certain benefits become available. It is important to be aware of these waiting periods.

  • Emergency medical treatment without waiting periods: In cases of emergency medical treatment, the best health insurance plans in India may provide immediate coverage without waiting periods. This can help ensure that you receive the necessary medical care without delay.

  • Coverage for pre-existing conditions: In India, health insurance policies are required to provide coverage for pre-existing conditions after a waiting period of usually 2-4 years. During this waiting period, the insurance company may not cover expenses related to pre-existing conditions, but after the waiting period is over, coverage will be provided.


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Tips For Buying Health Insurance & Using It Immediately

Before buying health insurance, you should check network hospitals, understand the claim process, and review policy terms & conditions.

  • Check for network hospitals: Before purchasing health insurance, make sure to check if the insurance provider has tie-ups with hospitals in your area. This way, you can easily access cashless treatment at these hospitals without having to pay upfront and file for reimbursement claims later.

  • Understand the claim process: You should understand the claim process of your health insurance provider so you know exactly what steps to take in case you need to make a claim. This will help you make the process smooth & get your claims settled quickly.

  • Review policy terms and conditions: Take the time to review the terms and conditions of the health insurance policy before purchasing it. You should check the coverage limits, waiting periods, exclusions, and any other important information that may affect your policy coverage & make sure that the policy meets your specific healthcare needs.


Read More:

Health Insurance For New Born Baby: Benefits, Types & Required Documents

Health Insurance Age Limit In India: Impact Of Age On Health Insurance Premiums

Does Health Insurance Cover Therapy?

Grace Period In Health Insurance: Meaning, Benefits

Government Health Insurance Schemes for Senior Citizens 2024



In conclusion, purchasing health insurance in India needs research and an understanding of the various types of plans available. It is important to consider factors such as coverage, sum insured, benefits, waiting periods, and network hospitals before choosing a plan that best suits your needs. Additionally, being honest about your medical history and understanding the policy terms and conditions to have the best health insurance coverage. For guidance, you can contact “Our Experts”.


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