HEALTH INSURANCE

Stay Covered with Ombrella Trusted HMO Plans

Easy, affordable, and hassle-free HMO plans designed for your health and peace of mind

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ABOUT HMO

What is an HMO?

An HMO (Health Maintenance Organization) is a health insurance plan that provides coverage through a network of doctors and hospitals.You choose a Primary Care Physician (PCP) to coordinate your care and get referrals for specialists when needed With a focus on preventive care and affordable costs,our HMO plan offers you and your family access to quality healthcare through a trusted network of providers, ensuring you get the care you need without breaking the bank.

ABOUT HMO

What is an HMO?

WHY CHOOSE OMBRELLA?

Your Belief, Our Support

WHY CHOOSE OMBRELLA?

Your Belief, Our Support

End-to-End Support

From understanding your policy to filing claims, we're with you at every stage.

Quick Claim Resolution

Our dedicated team ensures your claims are processed smoothly and efficiently.

24/7 Assistance

For policy or claims, our support team is available anytime, anywhere.

best hospitals

Partner with Leading Hospitals

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Partner with Leading Hospitals

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Your HMO Journey

benefits

Here's Why Our HMO Plan Stands Out:

Cost-Effective Healthcare

Lower premiums, predictable costs, and no surprise bills within the network.

Preventive Care Focus

Regular check-ups, screenings, and immunizations for early issue detection.

Coordinated Care

Your PCP manages healthcare and provides seamless referrals to specialists.

Wide Network of Providers

Access to a large network of trusted doctors, specialists, and healthcare facilities.

Convenience and Ease of Use

Manage plans, find doctors, and schedule appointments with online tools and 24/7 support.

Family-Friendly Coverage

Pediatric care, wellness programs, and family-focused benefits for comprehensive coverage.

Cost-Effective Healthcare

Enjoy lower premiums, predictable costs, and no surprise bills when staying within the network.

Preventive Care Focus

Regular check-ups, screenings, and immunizations help you stay healthy and catch issues early.

Coordinated Care

Your Primary Care Physician (PCP) manages your healthcare and provides seamless referrals to specialists.

Wide Network of Providers

Access a large network of trusted doctors, specialists, hospitals, and healthcare facilities for quality care.

Convenience and Ease of Use

Manage your plan, find doctors, and schedule appointments easily with online tools and 24/7 support.

Family-Friendly Coverage

Protect your loved ones with pediatric care, wellness programs, and family-focused benefits.

finding the right hmo plan

How to Choose the Best HMO for Your Needs

Choosing the right HMO plan is an important decision for your health and finances. Here are some key factors to consider:

Coverage & Benefits

Network of Hospitals & Doctors

Cost & Affordability

Customer Support & Accessibility

Exclusions & Limitations

Reputation & Reviews

How to Choose the Best HMO for Your Needs

Choosing the right HMO plan is an important decision for your health and finances. Here are some key factors to consider:

Coverage & Benefits

Network of Hospitals & Doctors

Cost & Affordability

Customer Support & Accessibility

Exclusions & Limitations

Reputation & Reviews

how to buy

A 5-Step Guide to Choose Your Plan

Choose & Share Details

Pick Your Best Plan

Make Payment

Fill Out Additional Details

Get Covered Instantly

Choose & Share Details

Pick Your Best Plan

Make Payment

Fill Out Additional Details

Get Covered Instantly

quick guide for inclusions and exclusions

Here's Quick Inclusions and Exclusions

Inclusions

Hospitalization Costs

Room charges, ICU, doctor's fees, and nursing care.

Pre & Post-Hospitalization

Expenses before and after hospitalization (e.g., tests, follow-ups).

Daycare Procedures

Surgeries and treatments that don't require 24-hour hospitalization.

Emergency & Ambulance Services

Coverage for emergency transport and critical care.

Maternity & Newborn Care

Pregnancy-related expenses (varies by plan).

Preventive Healthcare

Vaccinations, routine check-ups, and health screenings.

Mental Health Coverage

Therapy, psychiatric treatments, and counseling (if included in policy).

Exclusions

Pre-Existing Conditions

May have a waiting period before coverage starts.

Cosmetic & Aesthetic Treatments

Plastic surgery, weight loss treatments, etc.

Self-Inflicted Injuries

Harm due to suicide attempts or substance abuse.

Alternative & Experimental Treatments

Ayurveda, naturopathy, or unproven medical procedures.

Dental, Vision, & Hearing

Unless specifically included in the policy.

Pregnancy Complications & IVF

Some plans exclude fertility treatments and maternity-related issues.

War, Terrorism, & Illegal Activities

Injuries caused by such events are not covered.

Inclusions

Hospitalization Costs

Room charges, ICU, doctor's fees, and nursing care.

Pre & Post-Hospitalization

Expenses before and after hospitalization (e.g., tests, follow-ups).

Daycare Procedures

Surgeries and treatments that don't require 24-hour hospitalization.

Emergency & Ambulance Services

Coverage for emergency transport and critical care.

Maternity & Newborn Care

Pregnancy-related expenses (varies by plan).

Preventive Healthcare

Vaccinations, routine check-ups, and health screenings.

Mental Health Coverage

Therapy, psychiatric treatments, and counseling (if included in policy).

Exclusions

Pre-Existing Conditions

Conditions diagnosed before policy start date (waiting period applies).

Cosmetic Procedures

Elective cosmetic surgeries and aesthetic treatments.

Experimental Treatments

Unproven or experimental medical procedures.

War & Terrorism

Injuries or deaths resulting from war, terrorism, or civil unrest.

Substance Abuse

Treatment for drug or alcohol addiction (varies by policy).

Self-Inflicted Injuries

Intentional self-harm or suicide attempts.

claim process

3 Easy Steps for Cashless Claims

Share Policy Number

Share your HMO policy number with the network of hospitals at the time of admission.

Verify with OTP

An OTP will be sent to your registered mobile number. Share it with the hospital to verify your identity.

Relax and Recover

Once verified, your cashless treatment is approved. Focus on your health.

Step - 1

Share Policy Number

Share your HMO policy number with the network of hospitals at the the time of admission

Step - 2

Verify with OTP

An OTP will be sent to your registered mobile number. Share it with the hospital to verify your identity.

Step - 3

Relax and Recover

Once verified, your cashless treatment is approved. Focus on your health.

hospital network

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quick help

Frequently Asked Questions (FAQs)