Health Insurance
Help with hospital bills for you and your family.
Health insurance helps pay for hospitalisation and related medical expenses as per policy terms. Plans differ a lot in room-rent limits, waiting periods, co-payment, sub-limits and network hospitals. We help you understand these details before you decide.
Common types of health cover
Individual health plans
A separate sum insured for each person covered.
Family floater plans
One shared sum insured for the whole family, used by any member.
Senior citizen plans
Designed for older individuals; terms, co-payment and waiting periods may differ.
Top-up and super top-up
Additional cover that applies after a deductible amount, often used to increase overall protection.
Critical illness cover
May pay a lump sum on diagnosis of specified illnesses, as defined in the policy.
Things to check in any health policy
- Waiting periods for pre-existing diseases and specific treatments.
- Room-rent limits, sub-limits and co-payment clauses.
- Network hospitals near you for cashless treatment.
- Exclusions listed in the policy wording.
- Renewal terms and the claim settlement process.
Who it's for
Individuals, young families, parents, senior citizens, and anyone who wants support with medical expenses beyond an employer policy.
How we help
- Understand your requirement and any cover you already have.
- Explain the features, exclusions and costs of options that may suit you.
- Help you understand the proposal form and the documents the insurer may ask for.
- Stay available for renewal reminders and questions about the claim process.
Frequently asked questions
Is my employer health cover enough?
Employer cover usually ends when you leave the job and may have limited sums insured. Many people keep a personal policy as well. We can help you review your situation.
What is a waiting period?
A period after the policy starts during which certain conditions or treatments are not covered. The length depends on the insurer and plan.
Do I have to declare existing illnesses?
Yes. Complete and accurate disclosure is essential; non-disclosure can lead to claims being rejected.
Prefer WhatsApp?
Message us for quick help with insurance. Please don't share OTPs, passwords or documents in chat unless our team explains why they are needed.
Not sure which cover you need?
Talk to us — we'll help you understand your options before you decide.