Protect Your Health, Secure Your Future
Zenisk Insurance provides comprehensive health insurance plans to ensure financial security during medical emergencies. With rising healthcare costs, their policies help cover medical expenses, protecting your savings while ensuring access to quality healthcare.
What is Health Insurance?
Health insurance is a policy that provides financial coverage for medical expenses in case of illness, injury, or hospitalization. Health insurance not only covers unexpected medical emergencies but also helps in preventive care and long-term health planning.
When you or your family members need medical treatment, your health insurance plan helps cover expenses such as:
Hospitalization Costs (Room rent, ICU charges).
Doctor Consultations & Medical Tests.
Surgeries & Procedures.
Medicines & Treatment Costs.
Daycare Procedures & OPD Expenses.
Pre & Post-Hospitalization Expenses.
Why Choose Health Insurance?
With rising healthcare costs, health insurance protects your savings and ensures access to quality medical care without financial stress.
Financial Protection Against Medical Emergencies
A sudden illness, accident, or hospitalization can lead to huge medical expenses. Health insurance covers these costs so you don’t have to worry about paying out of pocket.
Features of Health Insurance
Covers medical costs, hospitalization, and preventive care.
Cashless Hospitalization
With cashless hospitalization, policyholders do not need to pay hospital bills out of pocket at the time of treatment. Instead, the insurance company directly settles the medical expenses with the hospital, provided the hospital is part of the insurer's network. This feature ensures hassle-free medical care and reduces the financial burden during emergencies or planned treatments.
Pre & Post-Hospitalization Cover
Health insurance not only covers the cost of hospitalization but also provides financial assistance for expenses incurred before and after hospital admission. This includes doctor consultations, diagnostic tests, medicines, and follow-up treatments. Depending on the policy terms, coverage can extend to a specified number of days before and after hospitalization.
Comprehensive Medical Coverage
A good health insurance plan should cover a wide range of medical expenses. Zenisk Insurance provides coverage for:
- ⦁ Surgical procedures including major and minor surgeries.
- ⦁ Intensive Care Unit (ICU) charges for patients requiring critical care.
- ⦁ Ambulance costs for emergency transportation to a hospital
- ⦁ Daycare procedures that do not require 24-hour hospitalization, such as cataract surgery and chemotherapy sessions.
- ⦁ Specialist consultations to ensure access to expert medical advice and treatment.
Family Floater Plans
A family floater health insurance policy allows multiple family members to be covered under a single plan. This means a single sum insured can be used by any covered member as per their medical needs. It is a cost-effective way to ensure that all family members, including spouses, children, and parents, receive necessary healthcare benefits without the need for separate policies.
No-Claim Bonus (NCB)
A No-Claim Bonus is a reward given by insurance companies to policyholders who do not make any claims during a policy year.
Maternity & Newborn Coverage
Covers pregnancy-related expenses including delivery costs, pre-natal & post-natal care, and vaccinations for newborns.
Critical Illness Cover
Covers major life-threatening diseases like cancer, heart attack, kidney failure, and stroke.
Annual Health Check-Ups
Preventive healthcare is essential for early detection of illnesses. Many insurance plans provide free annual health check-ups to encourage individuals to monitor their health regularly. These check-ups may include routine blood tests, screenings for common diseases, and consultations with doctors to assess overall well-being.
Tax Benefits Under Section 80D
Health insurance premiums paid for self, spouse, children, and parents are eligible for tax deductions under Section 80D of the Income Tax Act.This benefit allows policyholders to reduce their taxable income while securing financial protection for medical needs. and The deduction limit is:
- ⦁ ₹25,000 per year for individuals below 60 years.
- ⦁ ₹50,000 per year for senior citizens.
Benefits of Health Insurance
Health insurance offers financial protection, covers medical expenses, and ensures access to quality healthcare.
Medical emergencies and planned treatments can lead to high hospital bills. A health insurance policy helps cover these costs, protecting personal savings. It ensures that individuals and families can receive the necessary medical care without financial hardship.
Cashless hospitalization and wide hospital network access allow policyholders to receive treatment without worrying about immediate payments. Many health insurance plans have tie-ups with leading hospitals, ensuring policyholders receive timely medical attention from experienced doctors and specialists.
Health insurance provides financial protection against serious medical conditions like cancer, heart disease, kidney failure, and other life-threatening illnesses. Such treatments often involve long-term care, expensive procedures, and high medication costs. With a critical illness cover, policyholders can focus on recovery without financial stress.
With family floater plans, a single policy can cover multiple family members, making it a cost-effective way to ensure health protection for all. Instead of buying separate plans for each family member, one policy provides coverage at a lower premium. This ensures comprehensive healthcare support for spouses, children, and dependent parents.
Emergency medical situations require immediate attention, and ambulance services can be costly. Health insurance covers ambulance expenses and emergency medical care, ensuring that patients receive urgent treatment without delays.
Maternity and childcare benefits help expecting mothers and newborns receive the necessary medical care without financial worries. Coverage includes hospital delivery charges, doctor consultations, prenatal care, postnatal care, and vaccinations for newborns. These benefits support families in managing medical expenses during and after pregnancy.
Health insurance not only provides medical security but also offers tax-saving benefits. Policyholders can claim deductions on premiums paid under Section 80D, reducing their overall tax liability. This makes health insurance a smart financial decision that helps in both securing health and optimizing tax savings.
Why Choose Zenisk Insurance?
Zenisk Insurance offers reliable, affordable, and comprehensive health coverage.
