Health Insurance in Guwahati

A waiting period is a time frame during which certain conditions are not covered. Most plans have a 30-day initial waiting period for all illnesses (except accidents), a 2–4 year waiting period for pre-existing diseases, and specific waiting periods for maternity and certain surgeries. After the waiting period is over, you are fully covered.

Most insurers recommend a separate senior citizen plan for parents above 60 years rather than adding them to a family floater. This is because adding senior members significantly increases the premium for everyone. We help you choose the most cost-effective combination — a floater for your family and a dedicated plan for your parents.

Cashless hospitalisation means you do not pay the hospital directly — the insurer settles the bill directly with the network hospital. You just show your health insurance card at the hospital's insurance desk, get pre-authorisation approved, and receive treatment without any upfront payment. Our partners cover 14,000+ hospitals across India for cashless claims.

Yes — pre-existing diseases like diabetes, hypertension, thyroid, and asthma are covered after a waiting period of 2–4 years depending on the plan. It is important to disclose all pre-existing conditions honestly at the time of buying — hiding them can lead to claim rejection. We guide you through this process carefully.

An individual plan covers one person with a dedicated sum insured. A family floater covers the entire family (spouse, children, sometimes parents) under a single shared sum insured — at a lower combined premium. A family floater is ideal if your family members are young and healthy. For families with senior members, a mix of both types often works best.

Under Section 80D of the Income Tax Act, you can claim up to ₹25,000 per year for health insurance premiums paid for yourself, spouse, and children. If your parents are senior citizens (60+), you can claim an additional ₹50,000 — making the total deduction up to ₹75,000 per year. We help you maximise this benefit when choosing your plan.