Eligibility Criteria To Buy Health Insurance Plan (2024)

If you want to secure your future so that in the future if you ever face any unfortunate event then your treatment should not stop because of financial issues. In order to avoid situations like this people buy health insurance plans.

Health insurance is a type of insurance that provides financial help to the policy holder in case of any unfortunate event where they require financial help, a health insurance covers the cost of medical expenses like- hospitalization charges, doctor’s visit, ambulance charges, medical bills, etc.

India is among the top countries in Asia with the highest health care price reaching a 14% rise in health care price every year. With these increasing health care prices in India, there are almost 23% of the population those who cannot afford health care because of high prices.

In India only in 2021, almost 515 Million people bought health insurance plans, that is around 37% of the total population of India.

Eligibility To Buy Health Insurance In India

If you think that anyone can buy health insurance in India then your are wrong, these are factors that determine whether you can buy health insurance in India or NOT.

Eligibility Criteria To Buy Health Insurance plan In India

Check out the factors that tell whether you are eligible to buy health insurance in India. There are mojory 4 factors and those include the following-

  • Policy Purchaser Age
  • Income
  • Any Pre-existing Health Condition
  • Occupation

we will understand about each of the factors one by one.

Policy Purchaser Age

You can buy a health insurance plan either for yourselves or for some one who lies between the age of 15 Days to 65 years of age. Sometimes you can even buy a health insurance plan for someone who is more than 65 years of age but that comes with a high premium price.

The age of entry of adults and children is different and can vary between 18-65 years as well as 90 days up to the age of 25. The actual age of entry can differ from one medical insurance policy to the next.


In order to know whether a person can afford the premium of the health insurance companies have a policy that they should have a proof about your income.


Many health insurance companies will not give health insurance coverage to people if they do these jobs, these jobs may include like Pilot, Fire Fighters, Miniers or any job that have high life risks.

The criteria for eligibility to purchase health insurance plans are contingent on several aspects such as the age of the person who is insured, the existence of existing diseases, etc. In all health insurance plans you will need to meet the following eligibility criteria: must be met:

Criteria Specifications
age criteria for adults Age of entry for adults: 18-65 years old
Age Criteria for Dependent Children Age of entry for children: 90 days to 25 years old
Medical Screening Prescription Over that age group of 55/45/60
The waiting time From 2 years to 4 Years

Pre-existing diseases

Pre-existing diseases any existing illness is covered following the expiration in the time frame of waiting i.e. 2-4 years. Health insurance companies typically require applicants to disclose to disclose if they suffer from any medical issues like diabetes, blood pressure or cardiovascular disease kidney issues, and more.

Prior to purchasing an insurance policy for health. If you smoke or drink, you should disclose it at the time of purchasing the plan to insurance companies.

Eligibility Criteria To Buy Health Insurance plan In India

Do not keep it confidential as it may create problems during the process of settlement. It could even result in being denied your claim. Based on these criteria, the insurance company will decide to provide medical insurance for the applicant.

If you are some one who is more than 45 years old then that person will have to undergo a pre policy medical condition checkup, else you will be asked to give your any pre-exisiting medical condition report to the policy company before you can buy a health insurance plan.

Medical screening is required for those who are older than 45 or 55 years. However, the majority of senior citizen health plans will require pre-medical examinations prior to the policy’s issuance.

What Is The Reason To Compare Health Insurance Plans On The internet?

Comparison of health insurance rates online can assist you to select the most suitable health insurance plan that will meet your health needs. Sometimes, it may be difficult to choose the most effective healthcare insurance policy since a variety of insurers offer different insurance plans that offer impressive features.

Eligibility Criteria To Buy Health Insurance plan 2024

Fortunately, policy companies understand the confusion of their customers, and therefore policy companies provide a platform on which you can evaluate various policies on health insurance’s benefits such as the sum insured, quotes, and rates on the internet. Here are a few main advantages of shopping and comparing an insurance policy online:

Access to accurate information

It offers easy access to all medical insurance policies accessible on the market. It also frees purchasers from dealing with insurance brokers who give inaccurate and misleading information often.

Simple Comparison of different health Plans

Comparing different health insurance plans online is efficient and time-saving. It’s not necessary to constantly meet with agents to evaluate and select the best plan. In addition, many tasks, like the renewal of premiums, paying for health insurance policies, and so on. are also made easier by using the internet.

Find a policy with appropriate premiums

the customer purchases an online health insurance plan and is able to compare premiums and choose the one that is within the budget. Additionally, there are no brokerage or agent costs charged which means that the purchaser saves a substantial amount of dollars.

Review of Providers/Plans

You can check an insurance company’s capacity to fulfill your demands for claims by comparing Claim Settlement Ratios on our site. This will allow you to understand the overall picture of the credibility of an insurer which will allow you to make an informed choice.


In conclusion, health insurance is an important asset that every one should buy in order to be ready for future for any unfortunate event, there are eligibility criteria to buy health insurance in India so before buying make sure you check out all the factors.

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