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Health Insurance

Health insurance is a type of insurance contract that is also known as a legal contract in which insurance firms guarantee protection against treatment costs incurred as a result of disease or an accident. You pay a premium according to your age, family size, and the amount insured over some time.

Motor Insurance

According to the Motor Vehicles Act of 1988, vehicles operating on Indian highways must be insured. Automobile, two-wheeler, and commercial vehicle insurance are all available. Motor insurance covers physical damage, natural disasters, and any losses incurred by the insured in the event of an unforeseeable catastrophe.

Life Insurance

Life insurance is a policy that provides financial protection to an insured person's dependents in the event of his untimely death. In this case, the policyholder pays a monthly, half-yearly, or annual premium in exchange for insurance firms providing financial stability to the beneficiary if the covered person dies.

Travel Insurance

Travel insurance is a type of insurance that protects you against the unknown costs of a trip. This primarily comprises risk fees and other unanticipated expenses incurred on single or numerous trips. The finest travel insurance plan protects you from having to carry it all on your own, which might be a financial strain on your trip. Travel insurance is not as crucial to many people as other types of insurance because it is only required for adventurous excursions. Other hazards, such as lost bags, lost passports, medical expenses, missed flights, personal accidents, and so on, are not taken into account.

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We provide open and unbiased comparisons between the plans, quotes, and add-on benefits of numerous leading insurers.

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Our team is at your service 24*7, to help you with the procedure and to answer any questions you may have about the policy and its settlement.


Since very little documentation is needed and the entire procedure may be completed online, it is rapid and hassle-free.

Online issuance

It offers a quick access benefit, fewer requirements for verification, lower rates, transparency, and ease in the purchase and renewal of policies.

End to End Guidance

We provide assistance from the point of policy purchase to the point of claim settlement. From the start of the policy until its conclusion, you are managed.

Why policyxplore is the best?

We assist clients in making wiser judgments when choosing budget-friendly insurance plans in India.

Policyxplore has been in the market for over 12 years. Here, we focus on providing a clear and fair comparison of the policies, prices, and extra benefits that insurance companies offer to their customers. We aim to provide more than just the best insurance plan or financial security; we also provide end-to-end assistance, simplified terms and conditions, quick claim settlement, instant quotes from the best insurance companies, and unconditional support in the most difficult of circumstances.

Senior Citizen Health Insurance

Senior Citizen Health Insurance Senior citizen health insurance is a policy that covers the medical costs of citizens over the age of 60. It covers critical illness, pre-existing disease, hospitalization costs both before and after, coronavirus therapy, etc. Medical examinations and a cashless hospitalization service are also available. Why is senior citizen health insurance important? As people get older, their health can deteriorate to the point that they need to get regular checkups....

Coronavirus Health Insurance

What is coronavirus? In December 2019, Wuhan, China was the source of a group of viruses known as the Coronaviridae. Its symptoms and signs include nose infections, sore throats, sinus infections, excessive fatigue, loss of taste and smell, and breathing difficulties.And in extreme circumstances, can lead to respiratory sicknesses such as pneumonia, renal failure, multiple organ failure, and severe acute respiratory syndrome (SARS). A person with a pre-existing ailment or an older person over...

Pre and Post Hospitalization

Pre and post-hospitalization expenses like medical tests, medications, consulting fees, and other costs are typically covered by health insurance. This is understandable given that medical expenses do not only include treatment costs and emergency room costs. Pre-hospitalization refers to an instance in which coverage is provided prior to hospitalization, whereas post-hospitalization refers to an instance in which coverage is provided following the patient's hospital discharge....

What is a pre-existing condition in health insurance?

Pre-existing conditions are ones that already exist, and when we talk about pre-existing diseases, we mean conditions where a person already has a disease such as asthma, hypertension, heart disease, diabetes, thyroid disease, cancer, or pregnancy before actually buying an insurance policy. According to the Insurance Regulatory and Development Authority of India (IRDAI), a pre-existing condition is taken into account when an illness or injury is discovered 48 months before enrolling in the...

What is Cashless hospitalization? – Everything you need to know

The word "cashless" itself conveys the meaning: it means not requiring cash. When you combine the terms "cashless hospitalization" and "cashless treatment," it means neither admission into a hospital nor payment of a treatment's costs must be made with cash by the policyholder. How is that even doable? Well, most people are familiar with the reimbursement policy where you submit the bills, the insurance company submits the claim, and you receive full or partial reimbursement depending on the...

Why waiting period?

The waiting period is necessary to prevent users from buying policies with ulterior motives. As there are cases where customers buy the policy after receiving a disease diagnosis and fail to disclose it when signing up for the policy. A waiting clause regarding pre-existing conditions has been implemented by insurance companies to maintain an ethical approach. The waiting period clause for pre-existing conditions is followed, but you should read the clause carefully and consider whether it is...

How Does Health Insurance for Heart Patients in India Work?

Critical heart conditions like heart attacks, heart failure, valve disease, strokes and transient ischemic attacks (TIAs), peripheral arterial disease, aortic disease, cardiomyopathy, and a long list of other conditions are covered by cardiac health insurance plans. In recent years, heart disease has become so common among younger people. Previously, it primarily affected seniors, people over 60, and people with pre-existing heart conditions, but now both young people and older people are...

Frequently Asked Questions (FAQs)

What do you mean by insurance?

A contract between an insurer and an insured in which the insurer guarantees financial protection against costs incurred as a result of a disease or an accident.

Which insurance is mandatory in India?

“Third-party liability“ is a must-have motor insurance coverage one should have if they own a vehicle. According to the Motor Insurance Act of 1988, you should ideally have motor insurance as soon as you purchase a vehicle, or at least have third-party liability coverage under your basic motor insurance plan.

How does health insurance work?

The premium for health insurance is paid to the insurance company by the policyholder. This premium is calculated based on their medical history, lifestyle, pre-existing condition, and a variety of other criteria. In exchange, the insurer covers the treatment’s medical costs.

How is the insurance premium calculated?

The formula for calculating insurance premiums is as follows:

Monthly insurance premium = Monthly insured amount x Rate of Insurance Premiums

Monthly self-paid premium = Monthly insured amount x Insurance Premium Rate x Insured Person’s Self-Paid Ratio 

What is cashless hospitalization, and how does it work?

You can avoid paying for hospitalization if you have a health insurance plan in India. As the term implies, cashless hospitalization allows you to receive care without having to spend cash. Insurance companies have several network hospitals, and if a policyholder is admitted to one of them, the expense is reimbursed by the insurer. 

What is the meaning of motor insurance ?

Motor insurance protects you financially if your personal, two-wheeler or commercial vehicle is damaged or stolen, however third-party liability only covers third-party damage and loss costs.

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