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Insurance

Health Insurance

Get the best treatment without draining your savings.

Health insurance pays for hospitalisation, surgeries, day-care procedures, and pre- and post-hospital expenses. With cashless treatment at network hospitals, a medical emergency does not have to become a financial one.

Free, no-obligation advice. Most callers hear back from an advisor the same day.

Cover WhatsApp
Sum insured
₹3 lakh to ₹1 crore+
Entry age
91 days to 65 years
Policy term
1 to 3 years, renewable for life
Tax benefit
Sec 80D
Types of plan

Choose the health insurance that fits you

Not sure which one is right? Tell us your situation and we'll recommend the best fit.

01

Individual plan

A dedicated sum insured for one person.

02

Top-up / super top-up

Extra cover above a deductible at a low premium.

03

Comprehensive plans

Wide cover including OPD, maternity and wellness benefits.

04

Disease-specific plans

Cover for diabetes, cancer or cardiac conditions.

Key benefits

Why people choose our health insurance advice

  • Cashless treatment at thousands of hospitals
  • Pre- and post-hospitalisation cover
  • No-claim bonus raises cover every claim-free year
  • Restore benefit refills the sum insured
  • Free annual health check-ups on many plans
Cover details

Know exactly what you're buying

We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.

  • Hospitalisation, ICU and room rent
  • Day-care procedures
  • Pre- and post-hospitalisation (30 to 180 days)
  • Ambulance charges
  • AYUSH treatment
  • Everyone, ideally from a young age
  • People without employer cover
  • Employees who want cover beyond the company policy
  • Self-employed professionals and freelancers
  • Initial waiting period of 30 days (except accidents)
  • Pre-existing diseases for 1 to 3 years
  • Cosmetic treatment and non-medical items
  • Room rent caps on some plans
Premiums

Health Insurance premium: what decides it?

Two people buying the same health insurance can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.

What it depends on

  • Age of the person or vehicle being insured
  • Sum insured or cover amount chosen
  • Health, lifestyle and medical history (for life and health cover)
  • Add-ons and riders selected
  • Claim history and no-claim bonus (for motor and health)
  • City or zone, occupation and policy term

How to pay a lower premium

  • Buy early: premiums are lowest when you are young and healthy
  • Choose the right cover, not the cheapest or the biggest
  • Compare insurers on claim record and exclusions, not just price
  • Pick only the add-ons you actually need
  • Renew on time to keep your no-claim bonus and waiting-period credit
Required documents

Documents required for Health Insurance

Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.

Document Proof

8 items
  • Aadhaar Card
  • PAN Card
  • Voter Card
  • Driving Licence
  • Utility Bill (Electricity / Water)
  • Passport
  • Recent Photograph
  • Medical Reports / Prescriptions (if any existing illness)

Document Proof

9 items
  • Utility Bill (Electricity / Water / Telephone)
  • Bank Statement
  • GST Certificate
  • Udyam Certificate
  • Aadhaar Card
  • PAN Card
  • Passport
  • Recent Photograph
  • Medical Reports / Prescriptions (if any existing illness)

The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.

How we help

From first call to claim

Scroll through the steps to see what we do at each stage.

Step 1

Understand what to protect

We look at your family, health, assets and budget to work out the right health insurance for you.

Step 2

Compare insurers for you

We compare plans from top insurers on cover, exclusions, waiting periods and claim record.

Step 3

Buy with clarity

We explain the policy wording in plain words and help with the proposal form and medicals.

Step 4

Support at claim time

When you need to claim, we help with paperwork and follow up with the insurer.

Expert tips before you buy

  1. 1Choose a sum insured of at least ₹10 lakh in metro cities.
  2. 2Avoid plans with room rent caps and co-payments where possible.
  3. 3Buy young; you lock in fewer exclusions and shorter waiting periods.
FAQs

Health Insurance: common questions

Often not. It ends when you leave the job and the sum insured is usually small. A personal policy stays with you.

Contact us

Talk to an expert today

Share a few details and we will call you back. The first consultation is free.

Request a call back

We usually respond the same working day.

Related cover

You may also need

Life and Health Insurance

Health, accident and life cover for every stage of life, compared across top insurers.

Family Health Insurance

One floater policy that covers your spouse, children and parents.

Senior Citizen Health Insurance

Plans designed for parents aged 60 and above, with cover for age-related care.

Your financial goals,
one window away.

Speak to an advisor today. Free consultation, honest advice, and help with every document.

Get a free consultation +91 92122 66375 WhatsApp