Welcome to NBT Gains Services, we have over 25 years of expertise.

B-213, Shyam Kamal Bldg, 2nd Floor, Next to Big Bazar,
Near Dinanath Hall, Vile Parle (East),Mumbai-400057.

Risk: Ailment of a member of the family.

Health Insurance ensures that your family gets financial support in case of sudden hospitalization. The insurer pay the medical costs of the insured on hospitalization due to sickness or accident.

Probable Loss

Given the current scenario, medical facilities have become extremely expensive. Hence coping with the medical treatment expenditure of a family member may become burdensome for the entire family, especially if the ailing person is the bread earner of the family.

Why Health Insurance?

Every person on this planet suffers from health ailments (major or minor) in their lifetime. And at times the expenditure involved in the treatment of such health issues is so exhorbitant that it takes a toll on the financial well being of the person. One may have to let go all the savings to take care of such medical expenses which are inevitable. But an apt Health Insurance policy ensures that you do not get buried under the ridge of your medical expenses. A Health Insurance policy takes care of the following arenas:

  •   Rising medical costs/ inflation

  •   Rising number of accidents

  •   Severity of diseases

  •   Uncertain hospitalization expenses

What does it cover?

  •   Treatment of the patient under cover

  •   Room accommodation, Surgical operation, Nursing care, etc.

  •   Pre and Post hospitalisation expenses

  •   Day care procedures

  •   Maternity and child care benefits

  •   Emergency ambulance expenses (Surface only)

  •   Organ donor expenses

  •   Free health check ups

Types of Health Insurances Policies

  •   Individual Policy

  •   Family Floater Policy

  •   Extended Family Floater Policy


  •   Initial waiting period-30 days

  •   Specific waiting period- 1st and 2nd year disease/treatments like cataract ,hernia, etc

  •   Pre-existing diseases- For 4 continuous policy years

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