Aapke suraksha ka asli partner

AapkaBharosa Health Insurance – ek baar ka premium, 5 saal ka health cover, cashback aur tax saving ke saath. RBI trusted, TATA sponsored –

Ek Baar Ka Payment, 5 Saal Ki Health Ki Guarantee – AapkaBharosa Health Insurance

Aaj ke time me ek cheez sabko common lagti hai – uncertainty. Koi nahi jaanta ki kal kya hoga, kab kaunsi medical emergency aa jaaye. Hospital ka kharcha roz badh raha hai, doctor fees, medicines, tests – sab kuch mehenga hota jaa raha hai. Is situation me ek health insurance policy lena sirf ek option nahi, balki ek zarurat ban gaya hai.

Lekin problem yeh hai ki traditional health insurance plans me aapko har saal premium dena padta hai, renewal ka tension hota hai, aur premium dene ke baad bhi agar claim na ho to aapko return me kuch nahi milta. Matlab paisa gaya to gaya.

Isi gap ko samajh ke hum laaye hain AapkaBharosa Health Insurance – ek aisa plan jo sirf ek baar premium dene ke baad aapko 5 saal tak ka full health coverage deta hai. Aur sabse special baat – jo paisa aap ek baar policy me dete ho, us paisa ka 20% har saal agle 5 saal tak aapko wapas milta hai. Matlab ek tarah se aap apna health cover free me le rahe ho, kyunki 5 saal me aapko apna pura premium wapas mil jata hai, aur coverage alag se milta hai.

Aur haan, yeh koi chhoti company ka plan nahi hai. Yeh policy ek RBI registered company ke through di ja rahi hai, jiska sponsor TATA Group hai. TATA naam aate hi trust ka level double ho jaata hai – kyunki TATA apne honesty, service quality, aur financial stability ke liye poore India me mashhoor hai.

One-Time Premium → 5 saal ka coverage
20% Annual Return → Apka paisa wapas
Cashless Hospitals → 3000+ network me treatment
Tax Benefit → Section 80C ke under
RBI Registered + TATA Sponsored → 100% trust guarantee

AapkaBharosa ka main focus simple hai – aap apna health secure karo, paisa bhi safe rakho, aur tax bachao.

About Us – AapkaBharosa ka Vaada

Hum samajhte hain ki insurance ek trust ka game hai. Aap apna paisa ek company ko dete ho, expecting ki jab mushkil time aaye to woh company aapke saath khadi rahe. Lekin market me bahut saari policies aisi hoti hain jahan claim time pe delay hota hai, hidden charges nikalte hain, ya phir coverage utna nahi milta jitna promise kiya gaya tha. AapkaBharosa Health Insurance me humne decide kiya ki hum is game ke rules change karenge. Humne socha ki kyon na ek aisa plan banaya jaye jo: Ek hi payment me long-term coverage de Customer ka paisa waste na kare – har saal thoda-thoda wapas de Poora transparent ho – koi chhupa hua term & condition na ho Ek strong, trustable brand ke under ho – taaki customers ko safety ka full confidence mile Aur yeh soch reality bani AapkaBharosa Health Insurance ke form me. Hamari Mission: Har Indian family ke paas aisa health protection ho jo affordable ho, trusted ho, aur tension-free ho. Hum chahte hain ki aap hospital ke bill ke liye kabhi bhi apni savings na todna pade, aur saath me aapko yeh bhi lage ki aapka premium ek investment hai – jo wapas bhi milta hai. Hamare Promise: RBI Registered Company: Financial safety aur government regulation ka poora dhyaan rakha gaya hai. TATA Sponsored: TATA Group ka support iska proof hai ki yeh ek stable aur long-term plan hai. Customer First Approach: Hum claim process ko fast, easy aur hassle-free banate hain. No Hidden Charges: Jo aap dekh rahe ho, wahi mil raha hai – no surprises. Aapke Liye Hamari Guarantee: Jab aap AapkaBharosa choose karte ho, to aap sirf ek insurance plan nahi lete – aap ek aisa financial shield lete ho jo aapke parivar ke liye peace of mind laata hai.

AapkaBharosa Health Insurance kaam kaise karta hai?
Bahut simple language me samajhiye – humne is plan ko design kiya hai taaki aapko ek hi baar payment karke long-term protection mil sake.

Step 1 – Apna Premium Choose Karo

Sabse pehle aapko decide karna hai ki aap kitna premium dena chahte ho. Hamare plans ₹20,000 se start hote hain aur ₹5,00,000 tak available hain.
Aap apni financial capacity aur family ke health needs ke hisaab se premium choose kar sakte ho.

Example:

Agar aap young ho, family chhoti hai → ₹20,000 – ₹50,000 plan enough hai.
Agar aapke parents aged hain ya family badi hai → ₹1,00,000 – ₹5,00,000 plan better hai.

Step 2 – One-Time Payment Karo

Aapko sirf ek hi baar apna chosen premium amount dena hai.
Koi yearly renewal ka jhanjhat nahi – ek baar paisa gaya, 5 saal aap relaxed.

Step 3 – Instant Coverage Activation

Payment ke turant baad aapka policy document generate hota hai. Aapke coverage ka period 5 saal ka hota hai jo immediately start ho jata hai.

Step 4 – Har Saal Premium Ka 20% Wapas

Yeh plan ka sabse unique feature yeh hai ki jo premium aapne diya hai, uska 20% har saal aapko wapas milta hai – chahe aap claim karo ya na karo.
Iska matlab aap apne premium ko ek tarah se investment ki tarah treat kar sakte ho.

Example:

₹1,00,000 ka premium diya → ₹20,000 har saal 5 saal tak wapas milega → total ₹1,00,000 wapas.

Step 5 – Cashless Treatment ka Fayda

Hospitalization hone par aap apne policy card ke through 3000+ network hospitals me cashless treatment le sakte ho. Matlab aapko apni pocket se paisa nahi dena padega, bill direct insurance company pay karegi.

Step 6 – Tax Saving Ka Bonus

Aapka premium Income Tax Section 80C ke under eligible hai, jisse aapko tax me badi saving milti hai.
Double benefit – paisa secure + tax bacha.

Ek baar premium do, 5 saal ka coverage lo, har saal paisa wapas pao, tax bachao aur hospital bills ki tension khatam karo

Premium Plans Table – Full Explanation

AapkaBharosa Health Insurance me 5 main premium slabs hain. Har slab ka apna coverage amount aur return hota hai. Neeche table me details:

Premium Amount	Total Coverage (5 Years)	Annual 20% Return	Total Return in 5 Years
₹20,000	₹2,00,000	₹4,000	₹20,000
₹50,000	₹5,00,000	₹10,000	₹50,000
₹80,000	₹8,00,000	₹16,000	₹80,000
₹1,00,000	₹10,00,000	₹20,000	₹1,00,000
₹5,00,000	₹50,00,000	₹1,00,000	₹5,00,000

Plan Wise Breakdown:

1. ₹20,000 Premium Plan:

Coverage: ₹2,00,000 for 5 years
Annual return: ₹4,000 × 5 years = ₹20,000
Suitable for: Individuals or nuclear families with basic needs

2. ₹50,000 Premium Plan:

Coverage: ₹5,00,000 for 5 years
Annual return: ₹10,000 × 5 years = ₹50,000
Suitable for: Families of 3–4 members

3. ₹80,000 Premium Plan:

Coverage: ₹8,00,000 for 5 years
Annual return: ₹16,000 × 5 years = ₹80,000
Suitable for: Medium size families with elderly members

4. ₹1,00,000 Premium Plan:

Coverage: ₹10,00,000 for 5 years
Annual return: ₹20,000 × 5 years = ₹1,00,000
Suitable for: Families with high medical needs or high city hospital charges

5. ₹5,00,000 Premium Plan:

Coverage: ₹50,00,000 for 5 years
Annual return: ₹1,00,000 × 5 years = ₹5,00,000
Suitable for: High-net-worth individuals, large families, business owners

Kya Is Table Ka Matlab Hai?

Ye table simple language me yeh batata hai ki jitna premium aap dete ho, utna hi aapka total coverage hota hai kaafi multiple me, aur saath me aapka paisa bhi poora wapas aa jata hai 5 saal me.

Iska benefit yeh hai ki aap health coverage free me lete ho, kyunki return ke through aapko apna pura premium recover ho jata hai.

Why Choose Us – RBI Trust & TATA Sponsorship

Insurance ka main funda hai TRUST. Agar aap apna paisa kisi plan me daal rahe ho, to aap chahte ho ki company financially strong ho, legally registered ho, aur time pe claim de.
AapkaBharosa Health Insurance me aapko yeh teenon cheezen milti hain.

RBI Registered Company –
Hamari company Reserve Bank of India (RBI) ke under registered hai. Iska matlab yeh hai ki hum legally regulated hai, har financial transaction transparent hota hai, aur har paisa sahi jagah secure hota hai. RBI ka registration ek quality stamp hai jo batata hai ki aapka paisa kisi random private entity me nahi ja raha, balki ek government-regulated financial institution me ja raha hai.
TATA Group Sponsorship –
TATA naam sunte hi ek cheez dimaag me aati hai – integrity aur reliability. TATA ka involvement ka matlab hai ki yeh plan ek aise business house ke support me chal raha hai jo 150+ saal se India me trust banata aa raha hai.
TATA ke sponsorship ka fayda:
- Financial stability ka guarantee
- Strong network support
- High-standard customer service
Claim Settlement Ratio High –
Market me kai plans ka claim settlement ratio kam hota hai, lekin hamara ratio industry ke top level par hai. Matlab claim aaya to 95%+ cases me approval milta hai, woh bhi timely.

ATC Tax Benefits – Section 80C ka Breakdown

AapkaBharosa Health Insurance sirf health protection nahi deta, balki aapka tax bhi bachata hai.

Kaise?
India ke Income Tax Act ke Section 80C ke under, aap health insurance premium ke against apni taxable income se deduction le sakte ho.

Maximum Deduction Limit: ₹1,50,000 per financial year
Applicable To: Individual & HUF (Hindu Undivided Family)
Benefit: Jo premium aap dete ho, utni amount aap apne taxable income me se minus kar sakte ho, jisse aapka tax bill kam ho jata hai.

Example Calculation:

Annual Income: ₹8,00,000
Premium Paid: ₹1,00,000
Taxable Income After Deduction: ₹7,00,000
Saving: 5%–30% tax slab ke hisaab se ₹5,000 se ₹30,000 ka direct fayda.

Double Benefit:
Aapko coverage bhi milta hai, paisa bhi wapas milta hai, aur upar se tax saving bhi hoti hai.

Detailed Benefits – Coverage, Cashback & More

One-Time Premium, Long-Term Coverage –
Sirf ek baar payment karke 5 saal ka peace of mind.
10x Coverage Value –
Premium ka 10 guna coverage. Example: ₹50,000 premium → ₹5,00,000 coverage.
Annual Cashback (20% Return) –
Har saal aapko premium ka 20% wapas milta hai.
Cashless Hospital Network –
3000+ hospitals me treatment without cash payment.
No Hidden Charges –
Jo promise kiya gaya hai, wahi milega.
Tax Savings –
Section 80C ke under deduction.
Family Floater Options –
Pure parivar ko ek plan me cover kar sakte ho.
Quick Claim Approval –
24–48 hours me cashless approval.

Claim Process – Step-by-Step

Hum claim process ko easy aur fast banate hain taaki emergency ke time aapko koi tension na ho.

Step 1: Hospital Selection

Apne nearest network hospital ko choose karo (3000+ options).

Step 2: Show Your Policy Card

Hospital ke TPA desk par apna AapkaBharosa policy card dikhaiye.

Step 3: Cashless Request

Hospital ka TPA team directly humare claims department ko request bhejega.

Step 4: Approval

Claim ka verification hota hai aur 24–48 hours me approval mil jata hai.

Step 5: Direct Settlement

Hum hospital ka bill directly pay kar dete hain, aapko pocket se paisa nahi dena padta.

Step 6: Discharge

Treatment ke baad normal discharge process complete hota hai.

FAQ

Q1. AapkaBharosa Health Insurance kya hai?
AapkaBharosa ek unique health insurance policy hai jisme aap ek baar premium dete ho aur 5 saal tak health coverage + annual cashback ka benefit lete ho.

Q2. Kya yeh policy RBI registered hai?
Haan, yeh plan RBI registered financial institution ke under operate hota hai. Iska matlab har transaction secure hai aur aapka paisa government-regulated system me hai.

Q3. Isme TATA ka role kya hai?
TATA Group sponsor hai, jo is policy ko financial stability, operational expertise, aur nationwide network support deta hai.

Q4. One-time premium ka matlab kya hai?
Aapko sirf ek baar premium dena hai. Uske baad 5 saal tak coverage automatic active rahega.

Q5. Coverage kaise calculate hota hai?
Aap jo premium doge, uska 10x coverage milega. Example: ₹80,000 premium → ₹8,00,000 coverage for 5 years.

Q6. Annual cashback kaise milta hai?
Har saal aapko apne premium ka 20% wapas bank account me credit hota hai.

Q7. Tax benefit kaise milega?
Section 80C ke under premium ka pura amount taxable income se deduct hota hai (max ₹1,50,000 per year).

Q8. Kya main apne family members ko cover kar sakta hoon?
Haan, family floater option available hai jisme aap apne spouse, children, aur parents ko cover kar sakte ho.

Q9. Claim process me kitna time lagta hai?
Cashless claim approval 24–48 hours me ho jata hai.

Q10. Kya network hospitals ke bahar claim possible hai?
Haan, lekin us case me pehle aap bill pay karoge, phir reimbursement milega.

Q11. Policy renew kaise hoti hai?
5 saal complete hone ke baad aap ek naya one-time premium plan choose karke renew kar sakte ho.

Q12. Minimum aur maximum premium kitna hai?
Minimum ₹20,000 aur maximum ₹5,00,000 ka premium option available hai.

Q13. Kya main NRI hote hue policy le sakta hoon?
Haan, NRI le sakte hain, lekin India ke hospital network coverage ke liye valid rahega.

Q14. Kya policy me koi hidden charges hai?
Nahi, jo brochure me mention hai wahi charges applicable hain.

Q15. Agar main premium ek saath nahi de sakta to?

Yeh strictly one-time premium plan hai, isliye installment ka option nahi hai.

Closing Message – Trust-Building CTA

AapkaBharosa Health Insurance sirf ek policy nahi, balki ek long-term financial security plan hai.
Sochiye – ek hi payment me 5 saal ka coverage, har saal cashback, tax savings, RBI registered trust aur TATA ka backing. Yeh sab ek saath milna market me rare hai.

Aaj health expenses skyrocket ho rahe hain. Hospital bills ₹1 lakh se ₹5 lakh tak aasani se cross kar jate hain. Agar aapke paas ek strong health coverage nahi hai, to aapki savings khatam ho sakti hai.

Is plan ke saath aapko:

Peace of mind milega ki medical emergency me paisa ready hai.
Tax benefit milega jo aapka hard-earned money bachaega.
Cashback milega jo aapka investment aur valuable banata hai.

Ab decision aapke haath me hai.
Kal ka intezaar mat kijiye, kyunki health aur financial security aaj se start hoti hai.

📞 Call Now: [ +1 1500 1500 77 ]
📧 Email: [ aapkabharosa.in@gmail.com ]
🌐 Apply Online: [ aapkabharosa.in ]

AapkaBharosa Health Insurance – Kyunki Bharosa Wahi Jo Saath Nibhaye.

Why Choose Us

benefit 1

One-Time Premium, 5 Years Coverage – Ek hi payment me poore 5 saal ka health protection.

benefit 2

20% Annual Cashback – Har saal premium ka 20% wapas aapke account me.

benefit 3

Tax Savings – Section 80C ke under ATC tax benefit ka pura fayda.

benefit 4

RBI Trust & TATA Sponsorship – 100% safe, secure & reliable investment.

Client Testimonials

Main business me hamesha risk leta hoon, par health ke case me koi risk nahi lena chahta tha. AapkaBharosa Health Insurance ne mujhe ek hi payment me 5 saal ka coverage diya. Last year meri wife ka surgery hua, poora cashless cover mila, ek rupaya bhi apne pocket se nahi diya. Har saal ka cashback dekh ke lagta hai paisa sahi jagah invest kiya.

Rajesh Sharma

Mumbai

Main ek working woman hoon, apni family ke liye secure future chahti thi. Is policy ka TATA sponsor aur RBI trust factor mujhe instantly confident kar diya. Coverage high hai, premium ek hi baar dena hai, aur Section 80C ka tax benefit bhi mila. Mere liye yeh ek best combination hai — savings + security.

Anjali Mehta

Delhi

Main India se bahar hoon, lekin apne parents ke liye reliable health cover chahiye tha. AapkaBharosa plan perfect nikla. Network hospitals kaafi hai, claim process super fast hai. Sabse accha part yeh hai ki main apne parents ko tension-free kar paya.

Vikram Singh

kolkata

Terms & Conditions

Eligibility – Policy lene wala vyakti 18 se 65 saal ke beech hona chahiye. Minor ke liye guardian ka naam mandatory hai.
Coverage Duration – Ek baar premium payment ke baad policy 5 saal tak valid rahegi.
Cashback Benefit – Annual cashback (premium ka 20%) policy active rehne par hi milega.
Tax Benefits – Section 80C ke under tax benefit sirf applicable financial year ke liye valid hai.
Pre-Existing Diseases – Pehle se maujood bimariyon ka cover waiting period ke baad milega (as per policy document).
Claim Process – Cashless claim sirf network hospitals me valid hai; non-network hospitals ke liye reimbursement rules follow honge.
Premium Slab – Coverage aur cashback premium slab ke hisaab se decide hoga, jo purchase time par fix hota hai.
Cancellation – Policy cancellation ke rules as per company policy apply honge; refund structure detailed terms me diya gaya hai.
Governing Law – Policy RBI registered aur IRDAI guidelines ke under regulated hai.
Company Rights – Company policy features ko update/modify karne ka adhikar rakhti hai, lekin existing policyholders ko advance notice diya jayega.