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Cashless at network hospitals

Health cover chosen for how your family actually lives

Individual, family floater, senior citizen and critical illness plans compared on waiting periods, sub-limits and room rent — the terms that decide whether a claim gets paid in full.

  • Individual Health Plan
  • Family Floater
  • Senior Citizen Plan
  • Critical Illness

Get health quotes

Free, and you are not committed to anything.

Indicative only. Final premium is set by the insurer after underwriting.

The basics

What is health insurance?

Health insurance pays your hospital bills — up to a sum insured you choose — in exchange for an annual premium. It can settle cashless directly with a network hospital, or reimburse you afterwards.

The premium is the easy part to compare. What decides whether you are actually protected is the fine print: room-rent caps, disease-wise sub-limits, co-payment clauses and waiting periods for pre-existing conditions. We compare those first.

Why through us

What we do that a price-comparison box does not

Anyone can list premiums. The work is in the terms underneath them — and in who picks up the phone when you claim.

01

Sub-limits surfaced, not buried

A room-rent cap can proportionately reduce every line on your bill, not just the room charge. We show you these clauses before you buy, not at discharge.

02

Waiting periods mapped

Pre-existing conditions, specific ailments and maternity all carry different waiting periods. We map them against your family's actual medical history.

03

Network hospitals near you

A national network count is meaningless if the good hospital in your city is not on it. We check the specific hospitals you would actually use.

04

Claim help at the counter

Pre-authorisation, queries, deductions and appeals. Your advisor deals with the TPA so you can deal with your family.

Types of cover

What each policy type actually pays for

Including — and this is the part usually left off the brochure — what it does not.

Individual Health Plan

A separate sum insured for each person covered. No sharing, no depletion by someone else's claim.

Best for: Single earners, or families where one member has a higher risk profile.

Covered

  • In-patient hospitalisation and room charges
  • Pre- and post-hospitalisation expenses
  • Day-care procedures not requiring a 24-hour stay
  • Ambulance charges up to a stated limit
  • Annual health check-up on many plans

Not covered

  • Pre-existing conditions during the waiting period
  • Cosmetic and elective procedures
  • Self-inflicted injury and substance abuse
  • Non-medical consumables unless specifically covered

Family Floater

One shared sum insured across the whole family. Cheaper per head, but a single large claim can exhaust it.

Best for: Young families where a large claim in any one year is unlikely.

Covered

  • Everything in an individual plan, shared across members
  • Newborn cover after a stated period on many plans
  • Restore or refill benefit on several plans
  • Cumulative bonus for claim-free years

Not covered

  • Cover beyond the shared sum insured once exhausted
  • Pre-existing conditions during the waiting period
  • Maternity, unless a maternity benefit is included

Senior Citizen Plan

Designed for members above 60, with entry ages and clauses built for that stage.

Best for: Parents and grandparents who cannot be added to a young floater economically.

Covered

  • Higher entry age limits
  • Domiciliary treatment on many plans
  • Pre-existing cover after the stated waiting period
  • Day-care and modern treatment procedures

Not covered

  • Higher co-payment shares on most plans
  • Some plans require pre-policy medical screening
  • Longer waiting periods for specified ailments

Critical Illness

A lump sum paid on diagnosis of a listed condition — regardless of what you actually spend.

Best for: Income replacement when a serious diagnosis stops you working.

Covered

  • Fixed lump sum on diagnosis of a listed illness
  • Money usable for anything: treatment, income, loan repayment
  • Works alongside, not instead of, an indemnity health plan

Not covered

  • Conditions not on the policy's specific list
  • Diagnosis within the initial survival and waiting period
  • Pre-existing conditions as defined in the policy
Add-ons

Riders worth paying for — and the ones that are not

Every add-on raises your premium. We will tell you which ones earn their cost against your specific situation.

Room-rent waiver

Removes the cap that would otherwise proportionately cut every charge on your bill.

Restore benefit

Reinstates the sum insured after it is exhausted, so a second claim in the same year is still covered.

Maternity and newborn

Covers delivery and the baby's first year. Carries a long waiting period, so it must be bought well in advance.

OPD and diagnostics

Covers consultations, tests and pharmacy — costs a standard plan leaves entirely to you.

Consumables cover

Pays for gloves, syringes and similar items that hospitals bill and insurers routinely deduct.

Personal accident rider

Lump-sum payout for accidental death or permanent disability.

Claims

How a claim actually runs

Written out plainly, because the moment you need this is the worst possible moment to be reading a policy document for the first time.

Raise a claim
01

Cashless: pre-authorise first

For a planned admission, send the pre-authorisation form to the TPA two to three days ahead. For an emergency, intimate within 24 hours of admission.

02

Show your health card

At the network hospital's insurance desk, present the health card and ID. The hospital raises the request; the TPA issues the approval.

03

Treatment and approval tracking

Approvals often come in stages as the bill grows. Your advisor chases enhancement requests so treatment is not held up at the ward.

04

Discharge and settlement

You pay only the deductible, co-payment and non-covered items. For reimbursement claims, we help assemble the file so it is not returned for missing documents.

Questions

Health Insurance — your questions answered

The questions we get asked most, answered without the sales gloss.

Still not sure?

Ask an advisor directly. No obligation, and we will tell you if you do not need the product.

Talk to an advisor

It depends on your city and the hospitals you would use. Metro tertiary-care costs run far higher than tier-2 city costs, and a single cardiac or oncology episode can exhaust a small sum insured. Rather than a rule of thumb, price the actual procedures at the actual hospitals you would go to — then add a super top-up for the tail risk.

Get health insurance that holds up

Tell us what you are protecting. We will show you what your current cover actually does — and what it does not — before you spend anything.

Get health quotes+91 73572 80459

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