Health Insurance

Protect your family from the rising cost of healthcare in India.

Hospitalisation costs in India are rising quickly. A good health policy is not just about premium. It is about sub-limits, room rent caps, waiting periods, hospital network, and claim handling.

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What it covers

Coverage, explained.

Hospitalisation expenses (room, ICU, surgery, doctor fees)
Pre and post-hospitalisation care
Day-care procedures and OPD where applicable
Maternity and newborn cover (with waiting periods)
Critical illness rider for cancer, heart, kidney conditions
Cashless network of hospitals across India

What to watch for

Common mistakes we help you avoid.

Buying purely on lowest premium without checking sub-limits and room rent caps.
Ignoring the pre-existing disease (PED) waiting period, usually 2-4 years.
Choosing low sum insured. ₹5L is no longer enough in metros.
Not declaring existing health conditions, which can affect future claims.
Not adding parents under a family floater when their age makes it disproportionately expensive.

Claim Guidance

If you need to claim, we can help with the process.

When hospitalisation is planned, request cashless pre-authorisation 3-4 days in advance. For emergencies, intimate the insurer within 24 hours and keep bills, prescriptions, and discharge summaries. We help with paperwork and follow-ups if the claim gets delayed or questioned.

FAQs