Your health is priceless.
Your bill shouldn't be.
A single hospitalisation can drain years of savings in days. Health insurance isn't an expense — it's the one plan that makes sure a medical emergency stays a health problem, not a financial one.
The reality check: 1 in 4 Indian families faces a catastrophic health expense every year. Most don't recover financially for years.
These aren't worst-case estimates — these are real numbers from hospitals across India today. No one plans to fall ill. But the bill arrives whether you planned or not.
A good health plan isn't just about hospitalisation. Here's what a well-chosen policy takes care of.
Cashless Hospitalisation
Get treated at network hospitals without paying upfront. The insurer settles directly — no reimbursement chase.
Pre & Post Hospitalisation
Covers diagnostic tests before admission and follow-up costs after discharge — typically 30 to 90 days.
Day Care Procedures
Chemotherapy, dialysis, cataract surgery — procedures that don't require 24-hour admission are covered too.
Critical Illness Cover
Cancer, heart attack, stroke — lump-sum payout on diagnosis so you can focus on recovery, not bills.
Domiciliary Treatment
When treatment happens at home due to medical necessity or unavailability of beds — still covered.
OPD & Wellness
Select plans cover outpatient doctor visits, pharmacy bills, and preventive health check-ups every year.
Without insurance, these bills come out of your pocket — directly.
| Treatment / Condition | Duration | Approximate Cost |
|---|---|---|
| Dengue / Typhoid hospitalisation | 3–5 days | ₹40,000 – ₹80,000 |
| Appendix surgery | 2–3 days | ₹60,000 – ₹1,20,000 |
| Angioplasty (heart) | 4–6 days | ₹1,50,000 – ₹3,00,000 |
| Cancer chemotherapy (full cycle) | 6–12 months | ₹3,00,000 – ₹10,00,000 |
| ICU stay (critical illness) | 7–14 days | ₹5,00,000 – ₹15,00,000 |
| Without health insurance, you pay all of this yourself | ₹0 with the right cover | |
Here's what changes when you're covered — versus when you're not.
Financial protection from day one
From the moment your policy is active, you're shielded from catastrophic out-of-pocket costs. No waiting for savings to build.
Cashless treatment — no paperwork chaos
Walk into any network hospital, show your card, and get treated. The insurer handles settlement directly with the hospital.
Cover your entire family under one plan
A single family floater policy protects your spouse, children, and parents — often at a lower premium than individual policies.
Tax benefit under Section 80D
Premiums paid for health insurance qualify for tax deduction — up to ₹75,000 per year for self, family and parents.
There is no "too young" or "too healthy" for coverage. Illness doesn't check your calendar.
Families
Protect everyone under one floater policy — children, spouse, and parents included.
Salaried Individuals
Employer cover often isn't enough. A top-up ensures you're not caught short.
Self-Employed
No corporate cover? You need your own policy — and the tax deduction too.
Young Adults
Lock in lower premiums now. Waiting costs more — in every sense.
Senior Citizens
Dedicated senior plans cover age-related conditions without punishing premiums.
Getting covered — and using it — is simpler than you think.
Choose a plan
We help you compare options and find the right sum insured for your family size and lifestyle.
Get covered
Policy is issued digitally. No medical test required for most applicants under 45.
Use it when needed
Show your e-card at any network hospital. Cashless treatment, no upfront payment.
Renew & grow
No-claim bonus increases your cover every claim-free year — rewarding you for staying healthy.
Important: Pre-existing conditions & waiting periods
Most health insurance policies have a waiting period of 2–4 years for pre-existing conditions and specific illnesses. The sooner you buy, the sooner your waiting period is behind you. Do not wait until you are already ill — most insurers will either reject your application or exclude the condition permanently.
Answers to what most people want to know before buying.
Get the right cover.
At the right price.
Tell us a little about yourself and we'll recommend the best health insurance options for you — no sales pressure, no jargon.
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