Your Health, Our Priority

Why Choose Gydmus for Health Insurance?

Your Health Deserves the Best Protection: Medical inflation in India is rising at 15-20% annually. A single hospitalization can cost anywhere from Rs 50,000 to several lakhs. Gydmus Health Insurance ensures you never have to compromise on quality healthcare due to financial constraints. Our comprehensive policies cover everything from routine checkups to critical illnesses.

Extensive Hospital Network: With 12,000+ empaneled hospitals across India, you're never far from quality healthcare. Our network includes top-tier hospitals like Apollo, Fortis, Max, Manipal, and many more. Enjoy cashless treatment where you don't pay a single rupee upfront—the hospital settles directly with the insurer.

Hassle-Free Claim Process: Our average claim settlement time is just 2 hours for cashless claims. With a 98% claim settlement ratio, you can trust us to be there when you need us most. Our dedicated claim support team guides you through every step, from pre-authorization to final settlement.

Tax Benefits: Under Section 80D of the Income Tax Act, you can claim deductions up to Rs 25,000 for self, spouse, and children. An additional Rs 25,000 can be claimed for parents (Rs 50,000 if they're senior citizens). That's total tax savings of up to Rs 75,000 annually.

Understanding Health Insurance Terms

Sum Insured: This is the maximum amount the insurer will pay for your medical expenses in a policy year. Choose a sum insured that covers potential medical costs in your city. Metro cities typically require higher coverage (Rs 10-20 Lakhs) due to higher hospital costs.

Deductible: The amount you pay from your pocket before insurance kicks in. Higher deductibles mean lower premiums but more out-of-pocket expenses during claims. We recommend keeping deductibles low for health insurance.

Co-payment: A percentage of the claim amount you agree to pay. For example, a 10% co-payment on a Rs 1 Lakh claim means you pay Rs 10,000 and insurer pays Rs 90,000. Senior citizen plans often have mandatory co-payment.

Waiting Period: Initial period during which certain conditions aren't covered. Typically 30 days for any illness, 2-4 years for pre-existing diseases, and 1-2 years for specific treatments like hernia, cataract, etc. Compare waiting periods when choosing a policy.

Cashless Claim Process

• Step 1: Intimation: Inform the insurance company or TPA at least 48 hours before planned hospitalization. For emergencies, inform within 24 hours of admission.
• Step 2: Pre-Authorization: Submit ID proof, health card, and doctor's recommendation at the hospital insurance desk. Pre-authorization is usually approved within 2 hours.
• Step 3: Treatment: Receive treatment without paying upfront. The hospital coordinates directly with the insurer for all covered expenses.
• Step 4: Discharge: Pay only for non-covered items (if any) like personal expenses, attendant charges, or items beyond policy limits. Get discharged hassle-free.