Individual
A separate sum insured for each person. Ideal when someone needs a higher, dedicated cover.
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Individual · Family floater · Senior citizen · Top-upOne hospitalisation can wipe out years of savings. Health insurance pays your medical bills — cashless at network hospitals — so a medical emergency doesn't become a financial one. We help you pick the right sum insured, structure and network.
Health insurance is a policy that pays for your hospitalisation and medical treatment up to a chosen limit (the sum insured). With cashless treatment at network hospitals, the insurer settles the bill directly, so you focus on recovery, not money.
Waiting periods and sub-limits vary by plan — reading them correctly is where we add value.
A separate sum insured for each person. Ideal when someone needs a higher, dedicated cover.
One sum insured shared across the family — usually the most cost-effective way to cover everyone.
Plans designed for elderly parents, with cover for age-related conditions.
A lump-sum payout on diagnosis of a covered serious illness (cancer, heart attack, stroke, etc.).
A large, affordable extra cover that kicks in above your base policy — a smart way to get high total cover cheaply.
Cover for your team or members under a single group policy (see Business insurance).
Given today's hospital costs, a family in a metro often needs ₹10–25 lakh of cover — frequently built as a smaller base plan plus a super top-up for affordability.
Sub-limits on room rent or a co-pay clause can reduce what you actually get. We help you find plans with the fewest restrictions for your budget.
Pre-existing conditions and certain ailments have waiting periods. Buying early — while healthy — gets you through them sooner.
Make sure good hospitals near you are in the insurer's cashless network, so treatment is smooth.
How reliably and quickly an insurer settles claims matters more than a slightly lower premium.
We help you cut through the jargon, compare fairly, and stand with you at claim time.
In metros, a family floater of ₹10–25 lakh is a sensible base given today's costs — often built as a smaller base policy plus a super top-up for affordability. We help you decide based on your city, age and health.
A floater shares one sum insured across the family and is usually cheaper. An individual plan gives each person a dedicated cover — better where someone needs a higher, separate limit (e.g. elderly parents).
Co-pay means you share a fixed percentage of each claim. A room-rent limit caps the daily room charge the insurer will pay. Both reduce your payout, so we help you find plans that minimise them.
A period after buying during which certain conditions aren't covered — typically 30 days for general illness, and longer for pre-existing diseases and specific ailments. Buying while healthy gets you past them sooner.
At a network hospital the insurer pays directly (cashless). Elsewhere you pay and claim reimbursement. We match you to plans with strong networks near you so cashless is the norm.
Share a few details and we'll recommend the right sum insured, structure and network for you.
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