The right health insurance for you and your family
Medical costs rise every year. We compare individual, family floater and senior citizen health plans across leading insurers — looking at room rent limits, waiting periods, network hospitals and claim experience, not just the premium.
- Cashless treatment at network hospitals across India
- Plans for individuals, families and senior parents
- Help with cashless approvals and reimbursement claims
Get a Free Health Insurance Quote
Share your details and an advisor will call you back with options from 35+ insurers.
What Health Insurance covers
Common benefits across plans. Exact cover, limits and exclusions vary by insurer and policy.
Hospitalisation
Room, ICU, doctor fees, surgery, medicines and tests when you are admitted for 24 hours or more.
Pre & post hospitalisation
Consultations, diagnostics and medicines in the days before admission and after discharge, as per policy limits.
Day-care procedures
Treatments like cataract surgery, dialysis and chemotherapy that no longer need a 24-hour stay.
Ambulance & domiciliary care
Emergency ambulance charges and treatment at home when hospital admission isn’t possible.
AYUSH treatment
In-patient Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment at recognised centres.
Annual health check-ups
Many plans include free preventive check-ups every policy year to keep you on top of your health.
Types of Health Insurance
Individual health plans
A dedicated sum insured for one person — ideal for older members or anyone with higher health risks.
Family floater plans
One shared sum insured for you, your spouse and children, usually at a lower premium than separate policies.
Senior citizen plans
Designed for parents aged 60+, with cover for age-related illnesses and options with lower co-payments.
Super top-up plans
Raise your cover affordably once medical bills in a year cross a chosen deductible.
Critical illness cover
A lump-sum payout on diagnosis of listed serious illnesses such as cancer, heart attack or stroke.
Group health insurance
Employer-provided cover for teams, with options to include employees’ families.
How to choose the right Health Insurance
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Choose an adequate sum insured
In a metro city, a single major hospitalisation can easily cost several lakhs. Pick a cover that matches local hospital costs, not just the lowest premium.
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Check room rent limits
A room rent cap can reduce your entire claim proportionately. Plans with no room rent limit avoid this surprise.
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Understand waiting periods
Pre-existing diseases and some specific illnesses have waiting periods of up to three years. Shorter waiting periods are worth paying a little more for.
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Look at the hospital network
Make sure the hospitals you would actually use are in the insurer’s cashless network.
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Declare your medical history honestly
Full disclosure in the proposal form is the single best way to avoid claim disputes later.
Buy Health Insurance through a broker you can trust
Unbiased Comparison
We compare plans from 35+ insurers and recommend what fits you, not what pays us most.
Right Cover, Not Just Cheapest
We look at coverage, exclusions and claim experience, not just the premium.
Claim Support
We stay with you through the claim process, from filing to settlement.
IRDAI Registered Broker
Direct Insurance Broker (Life & General), IRDAI Registration No. 1190.
Health Insurance FAQs
How much health insurance cover do I need?
It depends on your city, age, family size and existing cover from your employer. For families in metro cities, many people choose a base cover of ₹10 lakh or more and add a super top-up for larger bills. Our advisors can help you work out the right amount.
Does health insurance cover pre-existing diseases?
Yes, after the waiting period mentioned in your policy, which under current IRDAI rules cannot exceed three years. Some plans offer shorter waiting periods or add-ons that reduce them.
What is the difference between cashless and reimbursement claims?
In a cashless claim, the insurer settles the bill directly with a network hospital. In a reimbursement claim, you pay the hospital first and then submit the bills to the insurer to get the money back.
Can I get tax benefits on health insurance?
Under the old tax regime, health insurance premiums qualify for a deduction under Section 80D — up to ₹25,000 for yourself and family, and a further amount for parents (higher if they are senior citizens). The new tax regime does not offer this deduction.
Is my employer’s group health cover enough?
Group cover usually ends when you leave the job and the sum insured is often limited. A personal policy keeps you protected between jobs and after retirement, and builds up waiting-period credit over time.
Can I port my health insurance to another insurer?
Yes. You can port your policy at renewal and carry over the waiting period you have already served. Apply before your renewal date and we can help you compare options.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations and terms and conditions, please read the sales brochure and policy wording carefully before concluding a sale. Tax benefits are subject to changes in tax laws.
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