Coverage Features
What Your Health Policy Covers
Modern health insurance covers far more than just hospitalisation.
In-Patient Hospitalisation
Full coverage for hospital stays including room rent, surgeon fees, nursing charges, and medicine costs.
Pre & Post Hospitalisation
Coverage for medical expenses 30–60 days before and 60–90 days after hospitalisation.
Day Care Procedures
Covers 500+ day care treatments that don't require 24-hour hospitalisation.
Critical Illness Cover
Lump sum benefit on diagnosis of 30+ critical illnesses including cancer, heart attack, and stroke.
Maternity Cover
Covers normal and caesarean delivery expenses after the waiting period.
No Claim Bonus
Sum insured increases by 10–50% for every claim-free year at no extra premium.
Why Choose Us
The Right Health Cover for Your Family
Medical costs are rising at 14% annually. Without adequate health insurance, a single hospitalisation can derail years of savings.
- Comparison across 25+ health insurers for the best coverage-to-premium ratio
- Individual, family floater, and senior citizen plans
- Critical illness cover recommendations
- Super top-up plans to enhance existing corporate cover
- Cashless hospitalisation at 10,000+ network hospitals
- Claim assistance and settlement support
FAQs
Health Insurance Questions
Does my employer's group health cover suffice?
Usually not. Group covers end when you leave the job, have lower sum insured, and may not cover parents. A personal health policy is essential as a backup.
How much health insurance cover do I need?
At minimum ₹5 lakh for individuals and ₹10 lakh for families, with a super top-up for an additional ₹15–20 lakh. Medical inflation makes higher cover increasingly important.
What is a super top-up plan?
It kicks in after a deductible threshold (e.g., ₹5 lakh) is crossed. It provides high additional cover at a very low premium, ideal for layering on top of existing plans.