Health insurance in India is a general insurance product, written by general insurers and standalone health insurers. Most policies are indemnity based: they pay the actual cost of hospitalisation up to the sum insured, cashless at network hospitals or by reimbursement elsewhere.
A family floater shares one sum insured across everyone on the policy and is usually cheaper than individual covers. A top-up sits above a base policy or an employer policy and adds a large sum insured at low cost, which is often the most efficient way to raise cover.
Pre-existing conditions carry a waiting period, and every policy carries exclusions. We put these in front of you before you sign, not at claim time. If your only cover comes from your employer, remember it ends when the job does.
What you get
- Indemnity plans that reimburse actual hospital bills, with cashless treatment at network hospitals
- Family floater and top-up structures compared for cost
- Waiting periods and exclusions explained before you buy
- Existing employer cover reviewed for what it stops covering when the job ends
Talk about health insurance
Speak to Rahul Jain directly. Enquiries are answered within the hour.