Health Insurance Solutions with OBS Fin Solution
Your health and your family’s well-being are priceless. At OBS Fin Solution, we provide comprehensive Health Insurance plans that protect you against unexpected medical expenses, ensuring you get the best treatment without worrying about financial stress. From hospitalization and surgeries to preventive care and critical illnesses, our health insurance solutions are designed to give you complete peace of mind.
We partner with leading insurers to bring you affordable, flexible, and wide-ranging policies that cover individuals, families, and senior citizens. Our expert advisors help you choose the right plan based on your lifestyle, medical needs, and budget.
- Wide range of plans: Individual, Family Floater, Senior Citizen, Critical Illness, and more
- Cashless treatment at a large network of hospitals
- Coverage for pre and post-hospitalization expenses
- Affordable premiums with high sum insured options
- Hassle-free claim assistance & documentation support
- Tax benefits under Section 80D of the Income Tax Act
Frequently Asked Questions (FAQs) on Health Insurance
Health insurance is a financial product that covers medical expenses arising from illnesses, accidents, or hospitalization. It ensures you get the best treatment without worrying about high medical costs.
Medical expenses are rising rapidly. A health insurance plan protects you and your family from unexpected healthcare costs, provides cashless treatment in network hospitals, and gives peace of mind during emergencies.
Individual Health Insurance – Covers a single person
Family Floater Plan – Covers the entire family under one policy
Senior Citizen Plan – Specially designed for older adults
Critical Illness Plan – Covers life-threatening illnesses like cancer, heart attack, etc.
Top-Up Plans – Additional coverage on top of your base plan
Cashless hospitalization means you can get treatment at a network hospital without paying upfront. The insurance company directly settles the bill with the hospital (as per policy terms).
Yes, but usually after a waiting period (commonly 2–4 years), depending on the policy and insurer.
Yes, most plans cover medical expenses incurred before hospitalization (diagnosis, tests, consultation) and after discharge (follow-up, medicines, etc.) for a specific period.
Premiums paid towards health insurance are eligible for tax deduction under Section 80D of the Income Tax Act. You can claim deductions up to:
₹25,000 per year for individuals/families
₹50,000 per year for senior citizens
Yes, you can hold multiple health insurance policies. At the time of claim, you can choose which policy to use, or split the claim between policies.
There are two types of claims:
Cashless claim – Settled directly with the hospital (network only).
Reimbursement claim – You pay the hospital first, then get reimbursed by the insurer after submitting documents.
It depends on your age, medical history, and the coverage amount. Younger applicants with no health issues usually don’t require medical tests, while older applicants or those opting for higher coverage may need one.
