Health insurance for individuals and families
Medical treatment can be costly and hard to predict. We help you understand your options, compare policies and choose cover that fits your family, then support you with renewals and claim paperwork.
Why health insurance matters
A hospital stay can draw down savings that were meant for other goals. Health insurance pays eligible treatment costs up to the sum insured, under the terms of the policy, so medical expenses do not have to be met entirely from your own pocket.
Insurers assess age and health when you apply, so buying cover while you are healthy generally keeps more options open. Comparing plans early, and reviewing them as your family changes, keeps your cover useful.
Individual health insurance
An individual policy covers one person under a sum insured that belongs to that person alone. It suits someone living alone, a parent who needs a separate policy, or a family member with specific health needs. A claim by one person does not reduce the cover of anyone else.
Family health insurance
A family floater covers a spouse, children and sometimes parents under one sum insured that any insured member can use. Premiums are often lower than buying separate individual policies of the same size, but the sum insured is shared.
Some families combine a floater for the spouse and children with separate policies for parents, because older members may claim more often and have different needs. We help you compare both approaches for your household.
Individual policy or family floater
Coverage considerations
Premium is only one part of the decision. These are the terms we read through with you.
Sum insured
The most the insurer will pay in a policy year. Choose it against likely treatment costs in your city instead of picking the lowest premium.
Room rent limits and sub-limits
Some policies cap room rent or the cost of specific treatments. These caps can reduce the payout on the whole bill.
Co-payment
A share of every claim that you pay yourself. It lowers the premium and raises your out-of-pocket cost at claim time.
Network hospitals
Cashless treatment is available at hospitals in the insurer's network. Elsewhere you may pay first and claim reimbursement afterwards.
Pre and post hospitalisation
Many policies cover related expenses for a set number of days before admission and after discharge. The number of days differs between policies.
Renewal and portability
Confirm the renewal terms, and ask how moving to another insurer at renewal works and what it means for waiting periods you have already served.
Waiting periods
Most policies include waiting periods before certain claims can be made. Common examples are an initial waiting period after the policy starts, a longer wait for pre-existing conditions and specific waiting periods for named procedures. Lengths differ between insurers and plans, so we read them with you before you buy.
Disclose existing conditions accurately when you apply. Incomplete disclosure can lead to a claim being reduced or rejected.
Policy exclusions
Every policy lists treatments and situations it does not cover. Examples that often appear include cosmetic procedures, some dental and vision care and injuries from certain hazardous activities. The list differs by product.
Reading the exclusions before you buy avoids surprises at claim time. We highlight the ones most relevant to your family.
Claim support and guidance
Claims are assessed and settled by the insurer under the policy terms. Our role is to help you prepare. We explain the cashless and reimbursement routes, list the documents usually asked for and help you keep them organised.
We do not decide claims, and we cannot promise that a claim will be approved or how quickly it will be settled.
How the process works
Share your requirement
Tell us who needs cover, their ages, your city and any policies you already hold.
Compare suitable plans
We shortlist plans and explain the differences in cover, waiting periods and exclusions.
Apply with accurate details
You choose a plan and complete the proposal form. We help with the documents.
Stay supported
After the policy is issued we help with renewals, questions and claim paperwork.
Frequently asked questions
Should I choose an individual policy or a family floater?
It depends on your family. A floater is often more economical for a spouse and young children, because they share one sum insured. Individual policies give each person their own cover, which can suit parents or members with higher medical needs. We compare both for your household.
Can I buy health insurance if I already have a medical condition?
Insurers assess each application individually. Some cover existing conditions after a waiting period, and some may add conditions or decline. Disclose your health history accurately, and we will help you find options that fit.
Does health insurance cover every hospital expense?
No. Cover is limited by the sum insured, sub-limits, co-payment and the exclusions in the policy. We explain these limits before you buy.
What is cashless treatment?
At a network hospital the insurer settles the eligible bill directly with the hospital, subject to approval and policy terms. You pay only the amounts the policy does not cover. Elsewhere you may pay first and claim reimbursement.
Do you guarantee that my claim will be approved?
No. Claims are decided by the insurer under the policy terms. We help with the process and the paperwork.
Get insurance guidance
Tell us who needs cover and we will help you compare suitable plans in plain language.
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