Health cover that pays when you need it

We're authorised to place health cover with ICICI Lombard, Tata AIG, Care Health Insurance, Niva Bupa and Manipal Cigna. We compare their plans against your needs and tell you which fits best.

It depends on your city, age and family size. In metros, ₹10 lakh is a sensible starting point for a young family, and many reach ₹25 to 50 lakh affordably using a super top-up. We'll work out the right number for your situation.

It's the time you must hold a policy before certain conditions, like pre-existing diseases or maternity, become claimable. Waiting periods vary between our partner insurers, and comparing them is often the single biggest factor in which plan we recommend.

Cashless lets the insurer settle the hospital bill directly at a network hospital. Reimbursement means you pay first and claim it back afterwards. We help you with both, and we check each insurer's network in your city before recommending.

Senior parents are usually best covered on a separate senior-citizen plan rather than added to a family floater, adding them prices the whole policy at their age and lets one claim consume the family's shared cover. We'll compare both and show you the maths.

Co-payment means you pay a fixed share of every claim, often 10 to 20%, and it's common on senior-citizen plans. Some plans let you drop it for a higher premium. We'll tell you when that trade is worth making.

It's a cap on the daily room charge the insurer will pay. If you exceed it, many insurers proportionately reduce the rest of the bill too, so a small clause can shrink a large claim. We flag these before you buy.

It refills your sum insured if a large claim exhausts it during the policy year. For a family floater it's close to essential, because it stops one hospitalisation leaving everyone else uncovered for the rest of the year.

It's a reward for a claim-free year, usually extra cover at no extra premium. How generous it is varies between insurers, and over several years it can meaningfully increase your protection.

A super top-up is often far cheaper for the same total protection, because it only pays above a deductible you agree to. It works well if you already have a base plan or employer cover to sit underneath it. We'll price both ways.

Yes, but only after a waiting period, which differs between insurers. You must declare every condition honestly, non-disclosure is the leading reason genuine claims get rejected, and it puts your whole policy at risk.

Yes, that's what portability is for. You carry forward the waiting periods you've already served rather than starting again. Apply well ahead of your renewal date, and we'll handle the paperwork.

Only some plans do, and they carry a waiting period of several years. It has to be planned well before you need it, since an existing pregnancy is excluded by essentially every insurer.

Yes. Treatments that no longer need a 24-hour admission, cataract or dialysis, for example, are covered by modern plans. These are among the most commonly claimed procedures, so it's worth confirming the list.

Every policy has exclusions, commonly cosmetic procedures, certain consumables, and treatment arising from specified activities. We read the exclusions with you at the buying stage rather than leaving you to discover them at claim time.

For a young, healthy family a floater is almost always cheaper. Once a member is older or has a health condition, separate policies can work out better. We compare both rather than assuming.

Employer cover ends when the job does, often exactly when you can least afford to be uninsured. Buying your own while you're young and healthy also starts your waiting periods early and locks in a better rate.

Typically your policy number and photo ID, the doctor's prescription and diagnosis reports, itemised hospital bills and the discharge summary, plus bank details for reimbursement. Our team gives you an exact checklist so nothing is missing.

Accidents are generally covered immediately, but most illnesses fall under an initial waiting period of around 30 days, with longer waits for pre-existing and specified conditions. We'll set out your specific dates in writing.

No. Advice is free. We earn a standard commission from the insurer that doesn't change based on which plan you choose, so we have no reason to steer you towards a costlier one.