Office No. 402, 4th Floor, Marathon Nextgen Campus, Marathon Icon, Ganapatrao Kadam Marg, opposite Peninsula Corporate Park, Lower Parel, Mumbai, Maharashtra 400013
Protect yourself and your family with comprehensive health coverage. Get insured online in minutes with cashless treatment at 10,000+ hospitals nationwide!
Essential insights into healthcare coverage options and benefits for individuals and families
Tailored coverage for personal healthcare needs, with customizable sum insured options and benefits based on age, medical history, and lifestyle factors.
Comprehensive coverage for your entire family under a single policy, with a shared sum insured that can be utilized by any covered family member.
Pre and Post Hospitalization: Coverage for medical expenses before and after hospital admission.
Daycare Procedures: Coverage for treatments that don't require 24-hour hospitalization.
Cashless Hospitalization: Treatment without upfront payment at network hospitals.
Health insurance provides crucial financial protection against rising medical costs and ensures access to quality healthcare.
Financial Protection: Shields against high hospitalization expenses and medical treatments.
Tax Benefits: Premium payments qualify for tax deductions under Section 80D of the Income Tax Act.
Preventive Care: Many policies cover health check-ups and preventive healthcare services.
Critical Illness Coverage: Additional protection against specific serious conditions.
Most health insurance policies have a waiting period of 30-90 days before coverage begins, and 2-4 years for pre-existing conditions.
Choose an insurer with a wide network of hospitals for better accessibility to cashless treatment facilities.
Select adequate coverage considering your location, family size, age, and inflation in healthcare costs.
Understand the claim settlement procedure and required documentation before an emergency arises.
Be aware of policy exclusions such as cosmetic surgeries, dental treatments, and alternative medicine.
The information provided is for general guidance only. Health insurance products vary by provider, and coverage is subject to terms, conditions, and exclusions of individual policies. Consult with an insurance professional before making a purchase decision.
Simple Steps to Secure Your Health with BTW IMF
Getting the right health insurance shouldn't be complicated. At BTW IMF, we streamline the process and help you find the perfect coverage for you and your family. Our experts will guide you through every step, ensuring you get comprehensive protection at the best value.
Start with a free consultation to discuss your healthcare needs:
Our health insurance experts will understand your specific healthcare requirements and recommend the most suitable options.
After understanding your needs, we present tailored health insurance plans that include:
We simplify the complex details of health insurance to help you make informed decisions.
Review and compare different plans based on these critical factors:
Our experts will help you weigh the pros and cons of each option to make the best decision for your health security.
Once you've chosen your plan, we'll need these essential documents:
Aadhar Card, PAN Card, or Passport for verification
Birth certificate or any government-issued ID with DOB
Don't worry - our team will assist you throughout this process, making it quick and hassle-free.
The final step to securing your health insurance is straightforward:
Our secure payment gateway ensures your transaction is safe, and your policy document will be delivered to your email immediately.
Our health insurance specialists provide personalized advice based on your specific healthcare needs and financial situation.
Access a wide range of health insurance plans from top providers, all compared in one place for your convenience.
We minimize paperwork and streamline the documentation process, making it easy to get your policy without unnecessary hassle.
Our support team is always available to assist with claims, policy questions, and any healthcare guidance you might need.
Ready to secure your health and that of your loved ones? Contact BTW IMF today!
Get Started NowExplore the different types of health insurance available and choose the one that best suits your healthcare needs
Personal healthcare coverage
Provides health coverage for an individual. Tailored to meet the specific health needs of one person with personalized benefits and coverage limits.
Hospitalization expenses
Pre and post hospitalization costs
Daycare procedures
Emergency ambulance charges
Ideal for: Single individuals who want personalized coverage based on their health profile.
Comprehensive family protection
A single policy that covers the entire family. The sum insured "floats" among all family members, providing flexible coverage for the whole family.
Coverage for spouse, children, and dependent parents
Shared sum insured among family members
Maternity benefits (with waiting period)
Newborn baby coverage
Corporate employee coverage
Offered by employers to their employees. Provides health coverage to a group of employees under a single policy, often at lower premiums than individual plans.
Lower premiums than individual plans
Coverage for pre-existing conditions with minimal waiting period
Option to cover dependents
Loss of coverage when leaving the company
Coverage for major diseases
Provides coverage specifically for severe illnesses like cancer, heart attack, and stroke. Pays a lump sum upon diagnosis, regardless of treatment costs.
Cancer
Heart attack and stroke
Kidney failure
Major organ transplants
Why Get It: Provides financial security during serious health crises when medical expenses and income loss can be substantial.
Specialized elderly care
Specifically designed for individuals above 60 years of age with features tailored to address age-related health concerns and medical needs.
Coverage for age-related illnesses
Shorter waiting periods for pre-existing conditions
Annual health check-ups
Coverage for domiciliary treatment
Basic hospitalization coverage
Covers hospitalization expenses up to the sum insured. It's a traditional indemnity-based health insurance plan that reimburses actual medical expenses.
In-patient hospitalization expenses
Room rent and ICU charges
Doctor's consultation fees
Usually no coverage for OPD expenses
International travel coverage
Provides health coverage during international travel. Covers medical emergencies, evacuation, and repatriation when traveling abroad.
Medical expenses abroad
Medical evacuation and repatriation
Loss of passport and baggage cover
Trip cancellation and delay coverage
Focused condition coverage
Plans that specifically cover certain diseases like diabetes, cancer, or heart conditions. Provides comprehensive coverage for the specified illness.
Diabetes Care Insurance
Cancer Insurance
Heart/Cardiac Insurance
COVID-19 Insurance
For single individuals: Individual health insurance with adequate coverage and necessary add-ons.
For families: Family floater plan with a sufficient sum insured to cover all members effectively.
For seniors: Senior citizen health insurance with coverage for age-related conditions and shorter waiting periods.
For frequent travelers: Comprehensive plan with overseas coverage or a dedicated travel insurance policy.
Understanding the essential elements that impact your health coverage decisions
When selecting a health insurance policy, several crucial factors influence your coverage, premiums, and benefits. Understanding these elements helps you choose the most appropriate policy for your healthcare needs.
Different health insurance plans offer varying levels of coverage and provider networks, directly impacting your access to healthcare services.
HMO (Health Maintenance Organization) Lower Premium
Requires selecting a primary care physician (PCP) who coordinates all healthcare needs.
Referrals needed to see specialists; coverage limited to in-network providers.
PPO (Preferred Provider Organization) Higher Premium
More flexibility to visit any healthcare provider without referrals.
Higher costs for out-of-network care, but offers greater provider choice.
EPO (Exclusive Provider Organization)
Combines features of both HMO and PPO plans.
No coverage for out-of-network care except emergencies, but referrals often not required.
Tip: Check if your preferred doctors and hospitals are in-network before selecting a plan to avoid unexpected out-of-pocket costs.
Understanding how you'll share costs with your insurance provider is essential for budgeting healthcare expenses effectively.
Premium
The monthly amount you pay for insurance coverage, regardless of whether you use medical services.
Lower premiums typically mean higher out-of-pocket costs when you receive care.
Deductible $500-$5,000+
The amount you pay before your insurance begins to cover costs.
High-deductible health plans (HDHPs) offer lower premiums but require more out-of-pocket spending initially.
Copayments & Coinsurance
Copayment: A fixed amount paid for specific services (e.g., $25 for office visits).
Coinsurance: A percentage of costs you pay after meeting your deductible (e.g., 20% of hospital charges).
Out-of-Pocket Maximum Protection
The maximum amount you'll pay during a policy period (usually one year) before your insurance covers 100% of allowable costs.
Provides financial protection against catastrophic medical expenses.
Tip: Consider your typical healthcare usage when choosing between high-premium/low-deductible plans versus low-premium/high-deductible options. If you rarely need medical care, a high-deductible plan might save you money.
Health insurance plans vary widely in what services they cover and exclude. Understanding these differences is crucial for selecting appropriate coverage.
Preventive Care
Most plans now cover preventive services like vaccinations, screenings, and wellness visits at no additional cost.
Preventive care helps detect health issues early, potentially reducing long-term costs.
Prescription Drug Coverage
Evaluate the plan's formulary (covered medications list) and tiered pricing structure.
If you take specific medications regularly, check their coverage status and costs.
Specialty Services
Review coverage for specialized care like mental health services, physical therapy, and maternity care.
Some plans offer limited sessions or higher cost-sharing for these services.
Cosmetic Procedures
Most plans don't cover surgeries or treatments performed for aesthetic purposes rather than medical necessity.
Experimental Treatments
Treatments and procedures not yet widely accepted by the medical community are typically excluded.
Tip: Review the Summary of Benefits and Coverage (SBC) document for each plan you're considering. This standardized form makes it easier to compare coverage details across different plans.
Under current health insurance regulations in many countries, insurers cannot deny coverage or charge higher premiums based solely on pre-existing conditions, but there are important considerations.
Waiting Periods
Some plans may impose waiting periods before covering treatments related to pre-existing conditions.
Understand the timeline for when your condition will be fully covered.
Medication Coverage
Check if your current medications for pre-existing conditions are covered in the plan's formulary.
Plans may have different tiers or requirements for specialty medications.
Specialist Access Important
If your condition requires frequent specialist care, ensure those specialists are in-network.
Consider how easy it is to get referrals if your plan requires them.
Tip: If you have a pre-existing condition, consider working with an insurance broker or patient advocate who can help navigate plan options that best support your specific healthcare needs.
Many health insurance plans offer extra benefits and wellness programs that can provide significant value beyond basic coverage.
Telehealth Services Convenient
Access to virtual doctor visits, often with lower or waived copays.
Particularly valuable for minor conditions, follow-ups, and mental health consultations.
Wellness Programs & Incentives
Programs that reward healthy behaviors with premium discounts, gift cards, or other incentives.
May include gym membership discounts, nutrition counseling, and health coaching.
Alternative Medicine Coverage
Some plans cover acupuncture, chiropractic care, massage therapy, and other complementary treatments.
Usually limited to a specific number of visits per year.
Health Savings Options Tax Benefits
High-deductible plans may qualify for Health Savings Accounts (HSAs), allowing tax-advantaged savings for medical expenses.
HSA funds roll over year to year and move with you if you change employers.
Tip: Don't overlook these additional benefits when comparing plans. They can provide significant value and improve your healthcare experience, even if the plan has a slightly higher premium.