Health Insurance

Aapke Parivaar ki Suraksha, Hamaari Jimmedari 💙

Dusha Insurance Health Plan provides financial safety during medical emergencies. It covers hospitalization, medicines, and treatments — ensuring your loved ones get the best care worry-free.

ଆପଣଙ୍କ ସ୍ୱାସ୍ଥ୍ୟ ହେଉଛି ଆପଣଙ୍କ ସମ୍ପତ୍ତିଆଜିହି ବୀମା କରନ୍ତୁ ଏବଂ ଭବିଷ୍ୟତକୁ ସୁରକ୍ଷିତ କରନ୍ତୁ।

Happy family protected by health insurance

Secure your family’s health with trusted coverage and easy claim support. Affordable, fast, and reliable health insurance for everyone.

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Cashless Hospitals

Access 10,000+ network hospitals with cashless treatment options.

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Comprehensive Coverage

Cover hospitalization, critical illness, maternity, and wellness benefits.

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Easy Claims

Experience fast and paperless claim processing within hours.

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24/7 Doctor Support

Connect with certified doctors anytime for guidance and emergencies.

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Frequently Asked Questions (FAQs)

Health Insurance by Dusha Insurance

What is Health Insurance, and how does it work?

Health insurance is a financial plan that helps cover medical expenses like hospitalization, treatment, and medicines. You pay a regular premium, and Dusha Insurance pays or reimburses your medical bills as per the policy coverage.

What are the different types of Health Insurance Plans offered by Dusha Insurance?

Dusha Insurance offers various health insurance options such as Individual Health Insurance, Family Floater Plans, Senior Citizen Plans, Critical Illness Insurance, Maternity Health Plans, and Top-up Health Policies.

What is the sum insured in a Health Insurance policy?

The sum insured is the maximum amount Dusha Insurance will pay for your medical expenses during the policy period. Choosing the right sum insured depends on your family size, city, and healthcare needs.

When should I buy a Health Insurance Plan?

The best time to buy health insurance is when you are young and healthy. Premiums are lower, and you can complete waiting periods for diseases early, ensuring better long-term protection.

Does Dusha Health Insurance cover pre-existing diseases?

Yes, pre-existing diseases are covered after a waiting period (usually 2–4 years), depending on the plan type. Dusha Insurance ensures transparency in all medical condition disclosures.

How is the premium calculated for Health Insurance?

Premium depends on your age, health condition, coverage amount, family size, and city of residence. Dusha Insurance offers flexible payment options — monthly, quarterly, or annually.

Are there any tax benefits on Health Insurance?

Yes, premiums paid for health insurance qualify for tax deductions under Section 80D of the Income Tax Act — up to ₹25,000 for individuals and ₹50,000 for senior citizens.

What happens if I miss my premium payment?

You’ll get a grace period (typically 15–30 days) to make your payment. During this time, your policy remains active. If you miss this window, your coverage may lapse but can be revived later.

How can I file a Health Insurance claim with Dusha Insurance?

For cashless claims, visit a network hospital and show your Dusha Health Card. For reimbursement, submit hospital bills, discharge summary, and claim form. Our QuickClaim team ensures fast processing.

Is a medical checkup required before buying Health Insurance?

A medical test is generally required for applicants above a certain age or for higher coverage amounts. This helps determine your eligibility and ensures accurate premium pricing.

Can I buy Dusha Health Insurance online?

Yes! Visit DushaInsurance.com, compare plans, use our Premium Calculator, and buy instantly online with digital KYC — safe, fast, and paperless.

Can I have multiple Health Insurance policies?

Yes, you can have multiple health insurance policies. You can claim from one or more insurers as per the IRDAI claim guidelines. Having multiple plans increases total coverage benefits.

Can I add my family members to my Health Insurance policy?

Absolutely! You can include your spouse, children, and parents under one Family Floater Plan. Dusha Insurance ensures everyone gets coverage under a single premium.

Can I upgrade or change my Health Insurance plan later?

Yes, you can enhance your coverage at renewal time or add riders such as Critical Illness Cover, Room Rent Waiver, or Daily Hospital Cash Benefit for better protection.

What are waiting periods in Health Insurance?

Waiting period refers to the initial duration (e.g., 30 days for new policy, 2–4 years for pre-existing diseases) during which certain claims cannot be made. Dusha Insurance provides clear waiting timelines for each plan.

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