Quality Healthcare Without Draining Your Savings
One hospital stay can wipe out years of investments. The right health plan pays your bills, often cashless, so your wealth plan stays on track.
What a good health plan covers
- Hospitalisation, ICU, surgery and doctor fees
- Pre & post hospitalisation expenses and day-care procedures
- Ambulance, AYUSH treatment and annual health check-ups (plan-wise)
Medical Costs Rise Faster Than Your Income
Healthcare costs in India keep climbing every year, and a single planned surgery or ICU stay can cost lakhs. Without insurance, families often break FDs, redeem mutual funds early or take loans.
A health plan turns that uncertain, large expense into a small, predictable annual premium, and lets you choose quality treatment without worrying about the bill.
Even with employer cover, consider your own plan
- Group cover usually ends when you change or leave your job
- Company sum insured is often too small for a whole family
- Waiting periods you complete on a personal plan keep working for you
- Buying while young and healthy is easier and cheaper
Types of Health Insurance
Most families combine two or three of these for strong protection at a sensible cost.
Family Floater
One shared sum insured for spouse and children. Cost-effective for young families.
Individual Plan
A dedicated sum insured for one person. Useful for older members or those with health conditions.
Senior Citizen Plan
Designed for people aged 60+, with options that cover pre-existing conditions after waiting periods.
Super Top-up
Large extra cover that kicks in after a deductible is crossed in a year. Very low premium for a big cover.
Critical Illness
Pays a fixed amount on diagnosis of listed illnesses, to cover income loss and non-medical costs.
Group Health
Cover for employees of your business or shop. See our business insurance options.
Look Beyond the Premium
Two plans with the same sum insured can pay very different amounts at claim time. These are the features we compare for you.
| Feature | What it means | What to look for |
|---|---|---|
| Room rent limit | Cap on the hospital room category or daily rent covered | No cap, or at least a single private room |
| Co-payment | Share of every claim you pay yourself | No co-pay, unless it meaningfully lowers a senior's premium |
| Disease sub-limits | Caps on specific treatments such as cataract or joint replacement | Few or no sub-limits |
| Waiting periods | Time before pre-existing and specific illnesses are covered | Shorter waiting periods; options to reduce them |
| Restore / recharge | Refills the sum insured if it is used up in a year | Restore that also works for the same illness |
| No-claim bonus | Sum insured grows for each claim-free year | Higher bonus percentage and cap |
| Network hospitals | Hospitals where cashless treatment is available | Good hospitals near your home in your city |
| Pre & post hospitalisation | Tests and medicines before admission and after discharge | Longer number of days covered |
Protect Your Parents' Health and Your Savings
Hospital visits become more frequent after 60. A dedicated senior citizen plan protects your parents' dignity and keeps large medical bills away from your own goals.
- Separate policy for parents, so their claims don't exhaust your family floater
- Plans that cover pre-existing conditions like diabetes and BP after a waiting period
- Help with pre-policy medical tests and accurate health declarations
- Option of a super top-up to raise cover at a lower cost
Good to know
Many senior plans include a co-payment, where you pay a share of each claim. Some plans waive it for a higher premium; we help you weigh both options.
Entry age limits, waiting periods and medical-test requirements differ across insurers, so applying with complete, honest information matters more than ever.
Popular Add-ons Worth Considering
Availability and names differ by insurer; we suggest only what fits your family.
OPD Cover
Pays for doctor consultations, diagnostics and pharmacy bills without hospitalisation.
Maternity & Newborn
Covers delivery expenses and newborn care, usually after a waiting period. Plan this in advance.
Room Rent Waiver
Removes room-rent caps so you can choose any room category without proportionate deductions.
PED Waiting Reduction
Shortens the waiting period for pre-existing diseases for an extra premium.
Unlimited Restore
Refills the sum insured multiple times in a year if a big claim uses it up.
Global Cover
Covers planned or emergency treatment abroad, available on select premium plans.
How Much Health Cover Does Your Family Need?
Answer a few questions to see a suggested base cover, a top-up layer and cover for parents.
Indicative estimate based on common planning rules, not a recommendation. Actual needs depend on health history, hospitals you prefer and your budget.
Two Ways to Claim, and We Help With Both
Cashless At a network hospital
- Show your health card / policy details at the hospital's insurance desk.
- The hospital sends a pre-authorisation request to the insurer or TPA. For planned treatment, do this in advance.
- Once approved, treatment proceeds; the insurer pays the hospital directly.
- At discharge, you pay only non-payable items and any co-pay or deductions.
Reimbursement At any hospital
- Inform the insurer about the hospitalisation within the time stated in the policy.
- Pay the hospital and collect all original bills, reports, prescriptions and the discharge summary.
- Submit the claim form with documents to the insurer or TPA.
- After assessment, the approved amount is credited to your bank account.
Need help with a health claim right now?
Message us with the patient name and hospital, and we'll guide you on the next steps.
Find the Right Health Plan for Your Family
Share your family details and we'll shortlist plans with the right room-rent, waiting-period and network-hospital fit for your city.
- Side-by-side comparison from multiple insurers
- Help with proposal form, documents & inspections
- Renewal reminders and claim assistance
Health Insurance Questions, Answered
What are waiting periods?
Most plans have an initial waiting period for illnesses (accidents are usually covered from day one), a longer waiting period for pre-existing diseases, and specific waiting periods for certain treatments. Exact durations are stated in each policy, and we compare them before you buy.
Should I buy a family floater or individual plans?
A family floater is usually more economical for a young couple and children. If one member is older or has health conditions, an individual plan for that person often works better, so their claims don't use up the whole family's cover. Parents are best covered with a separate senior citizen plan.
How does a super top-up work?
A super top-up pays once your total hospital bills in a policy year cross a chosen deductible (for example, your base cover amount). Because it only pays above that level, the premium for a large top-up cover is low. It is one of the most cost-effective ways to raise protection.
Do I need to disclose existing illnesses?
Yes, always. Declare every existing condition, medication and past surgery honestly. Non-disclosure is a leading reason for claim rejection. Declared conditions are usually covered after the waiting period, or the insurer may apply specific terms upfront.
Can I switch (port) my policy to another insurer?
Yes. Portability lets you move at renewal while keeping credit for waiting periods already served, as per IRDAI guidelines and subject to the new insurer's underwriting. Start the process well before your renewal date.
What is not covered by health insurance?
Common exclusions include cosmetic treatment, non-medical items (some consumables), injuries from certain hazardous activities, and treatment during waiting periods. Each policy lists its exclusions; we walk you through them before you buy.
Is there a tax benefit on health insurance premiums?
Premiums paid for yourself, family and parents may be eligible for deduction under the old tax regime, with higher limits for senior citizens, subject to prevailing Income Tax laws. Please consult your tax advisor.
Disclaimer: Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read the sales brochure / policy wording carefully before concluding a sale.
Calculators and information on this page are for general guidance only and do not constitute financial, tax or legal advice. Premiums, features and eligibility vary by insurer and are subject to underwriting.