What is Health Insurance?

Health insurance is a crucial safeguard against the financial burden of medical expenses, covering costs such as hospitalization, medications, and doctor consultations. At Capi5, we provide a diverse range of health insurance policies designed to cater to the unique needs of you and your family. Our comprehensive plans offer extensive coverage, including cashless hospitalization, annual health check-ups, and wellness benefits to ensure you stay healthy. Additionally, Capi5’s policies often include features like coverage for pre-existing conditions, maternity benefits, and access to a wide network of hospitals. Our experienced team is committed to helping you navigate the options and find a plan that aligns with your health needs and financial goals. With Capi5, you can rest easy knowing that you have robust protection and support in place, allowing you to focus on your well-being without the stress of medical bills.

What is the importance of Health Insurance in India?

With the ever-increasing costs of medicines and hospital treatments, having effective medical insurance coverage is more crucial than ever. Unexpected medical emergencies or serious illnesses can place a significant financial strain on you and your dependents. The reality is that whether the hospitalization is planned or sudden, it often results in substantial expenses. To mitigate these financial shocks, Capi5 offers comprehensive health insurance policies that provide robust protection and peace of mind. Our plans are designed to help you manage healthcare costs effectively while offering a range of additional benefits at competitive premium rates. You can easily compare different health insurance quotes through Capi5 to find the plan that best fits your budget and needs, ensuring you and your loved ones are well-covered without breaking the bank.

Financial Help

A health insurance policy will relieve you of the strain of paying large medical costs out of your own pocket. Instead of spending a large portion of your hard-earned money on medical treatment, you can save it and use it to live your life to the fullest. 

Quality Medical Care

If you seek treatment in a network hospital, you can make cashless claims and receive superior medical care. A network hospital is one that has an agreement with your health insurance company, allowing you to receive the best care without having to pay out of pocket.

Tax saving

In India, payments made for health insurance premiums are tax deductible under section 80D of the Income Tax Act. If you acquire insurance for yourself and your loved ones, and if you and your parents are senior citizens, you can take advantage of the maximum deductions of 1 lakh.

Extensive Coverage

Health insurance policies cover not just hospitalization expenditures, but also critical illnesses, accidental injuries, maternity-related expenses, consultations, check-ups, and other expenses. This comprehensive coverage is available through a variety of different types of health insurance policies.

Capi5 – Your Path to Smart Financing! (10)
Capi5 – Your Path to Smart Financing! (11)

Types of Health Insurance

One of the most compelling reasons to purchase health insurance is the escalating expense of medical care. Investing in the right health insurance with Capi5 ensures you have a reliable financial cushion against these rising costs, offering consistency in managing hospital expenses whether for minor day-care treatments or comprehensive preventive health check-ups. Capi5’s policies are designed to provide you with comprehensive coverage, reducing the financial burden and offering peace of mind. With our flexible plans and wide network of healthcare providers, you can access quality medical care without worrying about unexpected expenses. Choose Capi5 to protect your health and secure your financial well-being effectively.

Individual Health Insurance

Tailored coverage for your personal health needs, ensuring financial protection against medical expenses and unexpected health issues.

Family Health Insurance

Comprehensive plans that cover your entire family, offering peace of mind and financial support for all family members’ healthcare needs.

Senior Citizens Health Insurance

Specialized plans designed to address the unique healthcare requirements of seniors, with benefits that cater to aging-related health concerns.

Top-Up Health Insurance

Enhance your existing health coverage with additional protection and higher sum assured, ensuring you’re covered for more extensive medical expenses.

Personal Accident Protection

Financial safety net for accidents, providing coverage for medical treatment, disability, and accidental death, offering support when you need it most.

Group Health Insurance

Cost-effective health insurance solutions for organizations, providing comprehensive coverage for employees and their families with added benefits and savings.

Individual Health Insurance

The proposer and dependent family members can be covered in the plan with a separate sum insured under the individual health policy. So, if you want to protect yourself and your family members without having to share your sum covered, consider purchasing an individual insurance plan. With our insurance policies, you can receive cashless treatments at over 8000+ network hospitals.

● Options for various sums insured
● Pre- and post-hospitalization coverage
● Day-care operations and extended relatives are covered.
● Ayurvedic and homeopathic medicine is covered, as is road ambulance service.
● Daily cash advantages

Individual Health Insurance

The proposer and dependent family members can be covered in the plan with a separate sum insured under the individual health policy. So, if you want to protect yourself and your family members without having to share your sum covered, consider purchasing an individual insurance plan. With our insurance policies, you can receive cashless treatments at over 8000+ network hospitals.

● Options for various sums insured
● Pre- and post-hospitalization coverage
● Day-care operations and extended relatives are covered.
● Ayurvedic and homeopathic medicine is covered, as is road ambulance service.
● Daily cash advantages

Family Health Insurance

Medical expenses strike without warning. As a result, having a solid health insurance policy as part of your portfolio becomes critical. The family floater coverage allows you to cover several family members under the same insurance policy for a single premium payment. The sum insured is divided by all members of the plan under this form of coverage, securing the family at a reasonable insurance price.

Some important aspects of Family Health Insurance
● Protection for Dependent Family Members
● Day-care treatments include
● Pre- and post-hospitalization services
● Convalescence advantage
● Coverage for bariatric surgery
● Reinstatement of the insured sum

Senior Citizens Health Insurance

As a person ages, the body begins to exhibit various indicators that signal ailments that may occur as a result of age-related disorders. As a result, it is critical to be prepared for the golden days. Health insurance for senior citizens protects them financially in the event of a medical ailment during their golden years.

Some Important Features of Senior Health Insurance
● Reduced waiting times for pre-existing diseases
● Co-payment is not required.
● Cumulative bonus for entry at a young age
● Free health examination

Senior Citizens Health Insurance

As a person ages, the body begins to exhibit various indicators that signal ailments that may occur as a result of age-related disorders. As a result, it is critical to be prepared for the golden days. Health insurance for senior citizens protects them financially in the event of a medical ailment during their golden years.

Some Important Features of Senior Health Insurance
● Reduced waiting times for pre-existing diseases
● Co-payment is not required.
● Cumulative bonus for entry at a young age
● Free health examination

Top- Up Health Insurance

A top-up health policy guarantees that you are still covered even if the base medical insurance plan’s maximum insured amount is reached. A “Top-Up” policy adds additional coverage to an existing insurance policy.

Top Up Health Insurance’s important feature
● Maternity Cover
● Pre- and post-hospitalisation expenses
● Floater cover for the entire family
● Shorter waiting period for pre-existing diseases
● Day-care procedures

Personal Accident Protection

Your family is protected against any risks by the personal accident coverage. It offers complete protection against accidents and help in times of need. You may protect yourself from the expenses of any unexpected accidents. It protects you and your loved ones from any kind of injury, death, or disability caused by an accident.
Some key features of Personal Accident Insurance
● Sum insured up to ₹ 25 Crore
● Family cover
● Children’s education bonus
● Add on benefits like Adventure Sports Benefit, Accidental Hospitalization

Personal Accident Protection

Your family is protected against any risks by the personal accident coverage. It offers complete protection against accidents and help in times of need. You may protect yourself from the expenses of any unexpected accidents. It protects you and your loved ones from any kind of injury, death, or disability caused by an accident.
Some key features of Personal Accident Insurance
● Sum insured up to ₹ 25 Crore
● Family cover
● Children’s education bonus
● Add on benefits like Adventure Sports Benefit, Accidental Hospitalization

Group Health Insurance

Group insurance is a perfect safety for employees and their families in these difficult times of increasing medical expenses. It covers medical costs incurred in the hospital due to an injury or disease.

Some key features of Group Health Insurance are:
● Hospitalization expenses
● Nursing charges
● Cost of pacemaker and similar expenses

Ask Us Anything

FAQ

Health insurance plans include individual plans, family floater plans, group insurance, critical illness plans, and accident coverage, each catering to different health needs and circumstances.

Choosing the right sum insured depends on factors such as your age, health status, family medical history, lifestyle, and the average healthcare costs in your area.

Health insurance plans often have a waiting period for pre-existing conditions, typically ranging from 1 to 4 years, during which related claims may not be covered.

Yes, you can switch health insurance providers through a process called portability, allowing you to retain your coverage benefits, including waiting periods for pre-existing conditions.

Cashless treatment allows you to receive medical services without upfront payments, as the insurer settles the bills directly with the hospital, provided the hospital is part of the insurer’s network.

Yes, health insurance policies often have exclusions, such as treatments for specific illnesses during the waiting period, cosmetic surgeries, and alternative treatments unless specified.

Individual plans cover one person per policy, while family floater plans provide coverage for multiple family members under a single sum insured, typically at a lower premium.

Claims can be filed through cashless treatment at network hospitals or through reimbursement for out-of-pocket expenses, requiring submission of relevant documents and medical bills.

Many health insurance plans offer coverage for preventive care services, such as vaccinations, screenings, and annual health check-ups, to promote early detection and better health management.

Premiums can be influenced by factors such as age, medical history, lifestyle choices (e.g., smoking), the type of coverage selected, and the sum insured amount.

What is Motor insurance policy?

Motor insurance is a type of auto insurance that must be purchased for all vehicles, including trucks, cars, jeeps, bikes, and scooters. This policy provides protection for the owner/driver of the vehicle against financial losses that may result from collisions or other types of damage.
In India, having a proper car insurance policy is required in order to shield vehicle owners from potential monetary hazards. It is the best type of protection you can get to avoid having to pay a lot of money after an accident. The government has a responsibility to ensure the safety of people who use motor vehicles every day.
No one denies that buying a car is the second most expensive purchase a person makes in their lifetime, after only a home. Therefore, safeguarding the investment from unanticipated circumstances is essential. Due to the rising cost of auto repairs as well as the inherent dangers of driving, an unlucky accident might leave you with a significant financial hole.

What is the importance of Health Insurance in India?

Unbelievably, there are numerous risks linked with driving in India. Millions of people have a driver’s license, and most households have at least one car. Vehicles have replaced public transportation as an essential form of transportation for most people. The likelihood of traffic accidents and breaching the law also rises as the number of private vehicles increases, as is already known. When taking these things into consideration, having a car insurance policy is essential. In addition, let’s go over the main justifications for purchasing a comprehensive auto insurance plan.

Legal Requirement

Comply with legal obligations by ensuring your insurance meets mandatory coverage requirements, protecting you from legal and financial penalties.

Coverage for Third-Party Damage

Protect yourself from financial liability with coverage that compensates for damages caused to third parties, including property and personal injuries.

Protection from Theft

Safeguard your assets with insurance that covers loss or damage due to theft, providing financial support to replace or repair stolen items.

 

Expense Coverage for Damage

Receive financial assistance for repairs or replacements needed due to damage, ensuring you’re not burdened with unexpected costs.

Capi5 – Your Path to Smart Financing! (12)
Capi5 – Your Path to Smart Financing! (13)

Types of motor insurance

Motor insurance plans come in a variety of options, broadly categorized based on the type of vehicle you own—whether it’s a private car, commercial vehicle, or two-wheeler. For private vehicles, policies typically cover personal damage, third-party liability, and theft protection. Commercial vehicle insurance provides coverage tailored to businesses, ensuring financial protection for fleets and employee drivers. Two-wheeler insurance, on the other hand, is designed to offer protection for motorcycles and scooters, covering damage, theft, and third-party liabilities. These insurance plans are customizable, allowing you to choose the right level of coverage based on your vehicle type and usage.

Comprehensive Insurance Policy

The best option for protecting your personal four-wheeler is to purchase car insurance. The insurance company and the owner of the car enter into a written agreement that includes both comprehensive coverage and third-party liability. You will receive advantages from this package like:
● Cashless claims
● cover for personal accidents
● Loss/damage protection
● Unlimited liability for claims of death and injury to third parties

Two Wheeler Insurance

Scooters, bikes, and other two-wheeled vehicles are intended for coverage under two-wheeler insurance, sometimes known as bike insurance. Due to the marginally higher risk of bodily injury associated with two-wheelers, this kind of auto insurance will guarantee a safe trip. The following perks are a part of the plan:
● Comprehensive coverage
● 2/3 years of own damage motor insurance
● No claim bonus protection
● Inflation protection

Commercial Vehicle Insurance

Commercial automobiles are more likely to sustain damage than individual ones. Therefore, drivers can lessen the losses they sustain in unfavorable circumstances thanks to commercial vehicle insurance. It involves several types of vehicles, including tractors, cranes, taxis, goods- and passenger-carrying vehicles, etc. The advantages will consist of:
● Unlimited liability coverage for injury and death claims
● Personal accident cover
● Offers loss and damage protection
● Indemnity for other’s property

Personal Accident Insurance

Personal accident insurance provides coverage for accidents that lead to injury, disability, or death. This type of insurance ensures financial support in case of unfortunate incidents, offering peace of mind for both the policyholder and their family. This type of insurance ensures financial support in case of unfortunate incidents Key benefits include:
● Lump sum payout for accidental death
● Coverage for permanent or partial disability
● Medical expenses and hospitalization cover
● Coverage for accidental injuries at home, work, or while traveling

Ask Us Anything

FAQ

Motor insurance typically includes third-party liability insurance, comprehensive coverage (which covers damage to your vehicle), and standalone own damage coverage, each designed to meet different needs.

The No Claim Bonus is a discount on your premium for each claim-free year, which can significantly reduce your premium costs when renewing your policy, incentivizing safe driving.

Premiums can be influenced by several factors, including the vehicle’s make and model, your driving history, location, usage (personal or commercial), and any modifications made to the vehicle.

Yes, you can transfer your No Claim Bonus to a new insurer when you switch policies, as long as you provide the necessary documentation from your previous insurer.

To file a claim, you need to notify your insurer immediately after an incident, submit the required documents (like a claim form, police report, and photographs), and follow their instructions for processing the claim.

Yes, comprehensive motor insurance typically covers damages resulting from natural calamities like floods, earthquakes, and storms, ensuring you are protected against unforeseen events.

The Insured Declared Value is the maximum amount an insurer will pay in case of a total loss of the vehicle. It’s crucial to accurately declare the IDV to ensure fair compensation in the event of a claim.

Yes, it’s essential to inform your insurer about any modifications, as they may affect your premium and the coverage provided. Failure to disclose can lead to claim denial.

If your vehicle is stolen, you need to file a police report immediately and notify your insurer. After the necessary investigations, your insurer will compensate you based on the IDV of the vehicle.

Yes, most insurers offer add-ons, such as roadside assistance, zero depreciation cover, personal accident cover for passengers, and coverage for lost keys, allowing you to customize your policy to suit your needs.

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  • R-3 Radha Kunj , Behind Chhatri Bunglow, Chikanghar Road Kalyan west 421301, Thane Maharashtra.
  • +91 9175332391
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  • R-3 Radha Kunj , Behind Chhatri Bunglow, Chikanghar Road Kalyan west 421301, Thane Maharashtra.
  • +91 9175332391
  • info@capi5.com

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Sunday: CLOSED

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