Personal Insurance

Health Insurance

Individual and family health insurance providing cashless in-patient hospitalisation, pre and post-hospitalisation cover, day care procedures and critical illness extensions. With over 30 health insurers and hundreds of plan variants in the Indian market, plan selection requires more than premium comparison, we analyse the details that determine whether a claim is paid in full.

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Coverage at a Glance

Cashless Hospitalisation

In-patient treatment without upfront payment at network hospitals

Pre & Post Hospitalisation

Medical expenses 30-60 days before and 60-90 days after admission

Day Care Procedures

150+ procedures covered without overnight hospital admission

No-Claim Bonus

Sum insured increases annually for every claim-free year

30+Health Insurers

CashlessNetwork Access

NoSub-limit Plans

IRDAICompliant

Coverage

What Your Policy Covers

A structured placement designed to close every material gap in your risk exposure, not a standard policy sold off the shelf.

In-Patient Hospitalisation

Covers room charges, ICU charges, surgeon and anaesthetist fees, nursing charges, operating theatre charges and prescribed medicines during a hospitalisation of 24 hours or more.

Pre & Post Hospitalisation

Medical expenses incurred before and after hospitalisation are covered, typically 30-60 days before admission and 60-90 days after discharge, including diagnostic tests and prescribed medication.

Day Care Procedures

Over 150 specified medical procedures that can be completed in less than 24 hours, including cataract surgery, chemotherapy, dialysis, and selected orthopaedic procedures, are covered without an overnight stay requirement.

Emergency Ambulance

Covers the cost of emergency ambulance services for transporting the insured to the nearest appropriate hospital. Air ambulance is available under selected plans for life-threatening emergencies.

Domiciliary Hospitalisation

Treatment administered at home when hospital admission is not possible, due to unavailability of beds or the patient's condition, is covered by most plans for conditions requiring 3 or more days of treatment.

AYUSH Treatment

Inpatient treatment under Ayurveda, Yoga, Unani, Siddha and Homeopathy is covered under most modern health plans, subject to hospitalisation at a recognised AYUSH facility.

Health Insurance Advisors

Our Approach

Premium Is the Least Important Difference Between Health Plans

The details that determine whether a claim is paid in full are not in the premium schedule. Room rent sub-limits, disease-wise capping, co-payment clauses and waiting period structures can each independently reduce a claim payment by 30-50%. We identify and eliminate these before recommending a plan.

We review policy wordings for room rent sub-limits, disease-wise sub-limits, pre-existing condition waiting periods and co-payment clauses, and exclude plans where these restrictions materially compromise claim outcomes.

We compare cashless hospital networks specifically in your preferred city and hospitals, a policy with a broad national network that excludes your preferred hospital is worth less than one with a narrower but relevant network.

We manage the portability process when you switch insurers at renewal, ensuring your waiting period credits for pre-existing conditions are carried across without interruption.

Who Needs This

Who Carries This Risk

If your situation matches those described below, this cover belongs in your financial plan.

Young Professionals

Buying health insurance in your mid-20s locks in lower premiums, starts the waiting period clock for pre-existing conditions early and begins building the no-claim bonus.

Families with Dependants

Family floater plans cover self, spouse and children under a single sum insured, typically the most cost-efficient structure for a family with young children.

Self-Employed Individuals

Business owners and freelancers without employer-provided group health cover carry the full medical cost risk personally, individual health insurance is not optional for this group.

Senior Citizens

Specialist senior citizen health plans from dedicated insurers provide pre-existing condition cover with manageable waiting periods and co-payment structures appropriate for the age group.

Employees with Group Cover

Employer-provided group health cover ends when employment ends and is rarely sufficient for major medical events. A personal health plan supplements the group cover and provides continuity between jobs.

Individuals with Pre-Existing Conditions

Careful plan selection with appropriate waiting period and exclusion management can provide meaningful coverage despite pre-existing health conditions, this is where expert advice is most valuable.

How We Work

From Brief to Bound Cover

Three steps from your first conversation to a policy that is correctly structured and priced.

Health Profile Assessment

We understand your medical history, family composition, preferred hospitals, current cover and budget, and produce a shortlist of plans based on those specifics, not a generic recommendation.

Plan Comparison & Selection

We compare plans across multiple insurers on network hospitals in your city, sub-limits, waiting periods, co-payments and no-claim bonus structure, recommending the plan with the best real-world claim outcome for your profile.

Purchase, Portability & Claims Support

We assist with the proposal, manage underwriting queries, co-ordinate portability when switching insurers and provide full claims support, from pre-authorisation for planned procedures to reimbursement claim filing.

Key Benefits

Why Clients Place This Cover Through Us

Sub-Limit Free Plans

We actively recommend plans with no room rent sub-limits and no disease-wise capping, two of the most common sources of claim disputes that leave policyholders paying a significant portion of their hospital bill out of pocket.

Portability Guidance

When you switch health insurers, we manage the portability process under IRDAI guidelines to preserve your waiting period credits, ensuring you do not restart the clock on pre-existing condition exclusions.

Network Verification

We verify the cashless hospital network for your specific city and preferred hospitals before recommending an insurer, a policy with a broad but irrelevant network delivers no practical benefit.

Claims Advocacy

For disputed or delayed health claims, we engage directly with the insurer and TPA on your behalf. Professional claims advocacy resolves the majority of health claim disputes faster than individual policyholder correspondence.

FAQ

Common Questions

A family floater plan provides a single sum insured shared across all covered family members, self, spouse and children. Any member can utilise the full sum insured in a policy year. It is typically more economical than individual plans for each family member when the covered individuals are young and healthy. The risk is that one large claim can exhaust the sum insured for the entire family in that policy year.

Most health insurance plans impose a waiting period of up to 3 years (36 months) for pre-existing conditions, meaning claims related to conditions you had before taking the policy are not payable for the first 2 to 3 years. IRDAI caps this maximum at 36 months. After the waiting period lapses, pre-existing conditions are covered on the same basis as any other illness.

The no-claim bonus rewards claim-free policy years by increasing your sum insured, typically by 5-50% per year, at no additional premium. The accumulated bonus can double your effective coverage over five to ten years. Most plans reduce or reset the NCB if a claim is made.

A top-up plan pays only for claims above a threshold deductible and is most effective when you already have a base plan or adequate employer cover. Without a base plan, you are exposed to all claims below the deductible, potentially a large out-of-pocket exposure. We recommend a comprehensive base plan with a sum insured of at least ₹10 lakh, with a super top-up added for catastrophic cover above that level.

Yes. IRDAI portability guidelines allow you to port your health policy to another insurer at renewal, retaining continuity credit for waiting periods accumulated with your previous insurer. The portability request must be made 45 days before your renewal date. We manage this process end-to-end, including addressing any underwriting queries raised by the new insurer.