Comprehensive Health Insurance
Protect your health, your peace of mind, and your savings all in one policy.
Peace of Mind for Your Most Valuable Asset
Your Health is Your Wealth Let Us Protect It
Navigating the world of health insurance can be overwhelming. High premiums, confusing plan types,
and narrow networks often make choosing the right policy a headache.
At Norisk, we simplify the process. As your independent health insurance corporate agent, our mission is to cut through the confusion
and find you the ideal coverage that fits your medical needs and your budget. We work with all the top carriers
to ensure you get comprehensive protection without overpaying.
Why Choose Norisk for Health Coverage?
We are your personal guide to securing high-quality, affordable healthcare dedicated to Doctors.
Independent & Unbiased
CWe are not tied to a single provider. We compare plans from all leading national and regional insurers to find the best fit for you.
Expert Guidance
Our licensed health specialists understand the complexities of PPOs, HMOs, deductibles, and co-pays. We explain your options clearly so you can make an informed decision.
Maximize Subsidies
We specialize in helping individuals and families determine eligibility for premium tax credits and subsidies, potentially saving you thousands annually.
Year-Round Support
We don't just sell you a policy. We're here to help you with enrolment, renewal, and understanding how to use your benefits throughout the year.
Coverage Highlights
Key benefits included in your health insurance plan.
Core Hospitalisation Coverage
These are the fundamental benefits present in almost all comprehensive health plans:
- In-Patient Hospitalisation (24+ Hours):
- Covers expenses incurred when the insured is hospitalised for more than 24 consecutive hours.
- Includes room rent, ICU charges, nursing fees, surgeon/doctor consultation fees, oxygen, blood, diagnostic materials, and medicines consumed during the stay.
- Day Care Treatments
- Covers advanced medical procedures and surgeries that require less than a 24-hour hospital stay due to technological advancements (e.g., cataract surgery, chemotherapy, dialysis, lithotripsy).
- Pre-Hospitalisation Expenses:
- Covers costs like diagnostic tests, doctor consultations, and medications incurred for a specified period before the hospital admission (typically 30 to 60 days).
- Post-Hospitalisation Expenses:
- Covers costs incurred after discharge, such as follow-up consultations, medication, and specific tests during the recovery period (typically covered for 60 to 180 days).
- Ambulance Charges:
- Covers the emergency transport cost to and from the hospital.
Advanced and Specific Coverage
These benefits reflect the evolving healthcare landscape and are crucial for a truly comprehensive plan:
- AYUSH Treatment: Covers hospitalisation expenses for in-patient treatment taken under alternative medicine systems like Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
- Modern Treatments: Covers expenses for advanced procedures like Robotic Surgery, Oral Chemotherapy, HIFU, and Intravitreal Injections, as mandated by the IRDAI.
- Organ Donor Expenses: Covers the medical and surgical expenses of the organ donor while harvesting the organ for the insured's transplant.
- Mental Healthcare: Coverage for hospitalisation expenses incurred for treating mental illnesses, as mandated by the IRDAI.
- Domiciliary Hospitalisation: Covers medical treatment received at home if the patient's condition prevents a transfer to the hospital, or if a hospital bed is unavailable (subject to policy conditions).
Key Financial & Renewal Benefits
These features directly impact your long-term cost and coverage security:
- Cashless Claim Facility: Allows you to receive treatment at the insurer's network hospitals without paying the bills upfront. The insurer settles the bill directly with the hospital.
- No Claim Bonus (NCB) / Cumulative Bonus: A reward for not making a claim in the preceding policy year, typically in the form of an increase in the Sum Insured (often 5% to 50%) or a discount on the renewal premium.
- Restoration/Recharge Benefit: If the Sum Insured is fully exhausted due to a claim, this benefit restores or recharges the entire Sum Insured once during the policy year (for future, often unrelated, claims).
- Pre-Existing Disease (PED) Coverage: Covers illnesses or conditions that existed before buying the policy, but only after a specified waiting period (typically 2 to 4 years).
- Lifelong Renewability: Ensures that once the policy is accepted, the insurer cannot deny future renewals based on the insured's age.
- Tax Benefits: Premiums paid for the health policy are eligible for a deduction under Section 80D of the Income Tax Act, 1961.
Common Optional/Add-on Covers
These can be added for enhanced protection, usually for an extra premium:
- Maternity Benefit: Covers delivery expenses (Normal & C-section) and sometimes the newborn baby's expenses, usually after a long waiting period (e.g., 9 months to 4 years).
- Top-Up/Super Top-Up Plans: Provides additional coverage over and above the base policy's sum insured, often with a large deductible, at a much lower premium.
- Critical Illness Cover (Fixed Benefit): Provides a lump-sum payout upon the diagnosis of a specified critical disease (e.g., Cancer, Heart Attack), regardless of the actual hospital expenses.
Steps to Secure Your Health Plan
Getting covered with Norisk is easy, fast, and commitment-free.
1Contact Us: Give us a call or start our secure online assessment to tell us about your coverage needs.
2Review Options: We present you with a curated list of the best plans, clearly outlining the monthly premium, deductible, and network type.
3Enrol with Confidence: Our representatives handles the enrolment, paperwork and confirms your coverage, giving you peace of mind.
Get Your Free Quote
It only takes a few minutes to secure your coverage.