Home›Health Insurance

Health Insurance
for Your Family

Medical inflation is rising 15% every year. One hospital bill can wipe out your savings. We help families pick the right cover — at the right premium.

Get Free Quote View Plans
✓ 8,500+ Cashless Hospitals  ·  ✓ From ₹420/month  ·  ✓ ₹1Cr Max Coverage  ·  ✓ 98% Claim Settlement
Family Floater Cover
₹10 Lakh Cover
from ₹780/month
2 adults + 2 kids · Cashless at 8,500+ hospitals
₹ 80D 24×7
8,500+
Cashless Hospitals
60 min
Pre-Auth Approval
₹75K Tax Saving
Senior Cover Available
8,500+
Cashless Hospitals
₹420/mo
Starting Premium
₹1Cr
Max Coverage
98%
Claim Settled
Plan Categories

Find the Right Health Cover

4 main health insurance categories. We compare top insurers in each and recommend the best fit for your family.

Most Popular
FAMILY FLOATER
Family Floater Plan
From ₹780/month · ₹10L cover · 2 adults + 2 kids
  • One sum insured for whole family
  • Free annual health checkup
  • Cashless at 8,500+ hospitals
  • Pre & post hospitalization 60/90 days
  • Day-care procedures covered
  • No-claim bonus up to 100%
Get Family Plan
INDIVIDUAL
Individual Plan
From ₹420/month · ₹5L cover · Single person
  • Dedicated cover per person
  • Best for working singles
  • All standard hospital coverage
  • Maternity add-on available
  • Lifetime renewal
Get Individual Plan
SENIOR CITIZEN
Senior Citizen Plan
From ₹1,800/month · ₹5L cover · 60+ years
  • Designed for 60-80 age group
  • Pre-existing diseases after 1-2 yrs
  • No medical test (up to ₹3L cover)
  • Annual health checkup
  • Higher claim settlement priority
Cover Parents
CRITICAL ILLNESS
Critical Illness Plan
From ₹350/month · ₹25L lump-sum payout
  • Lump-sum on diagnosis
  • Covers 30+ critical illnesses
  • Cancer, heart, kidney, stroke
  • Use payout however you want
  • Add-on to regular health policy
Add Critical Cover
Why It's Critical

One Hospital Visit Can Drain Your Savings

Medical costs in private hospitals have risen 15% YoY. Here's what real treatment costs in 2026.

TreatmentTier-2 City CostMetro City CostRecommended Cover
Heart Bypass (CABG)₹3.5-5 Lakh₹5-8 Lakh₹10L+
Cancer Treatment (Avg)₹6-12 Lakh₹15-30 Lakh₹25L+
Kidney Transplant₹6-10 Lakh₹12-18 Lakh₹15L+
ICU Stay (per day)₹25,000-50,000₹50,000-1L₹10L+
Childbirth (C-section)₹80,000-1.5L₹2-4 Lakh₹5L+
COVID/Pneumonia ICU₹2-5 Lakh₹6-12 Lakh₹10L+
Family Floater vs Individual

Which Is Right For You?

Both have pros and cons. We'll help you decide based on your family structure.

Factor
Family Floater
Individual
Premium for ₹10L cover
₹14,000-18,000/yr (whole family)
₹6,000-9,000/yr (per person)
Sum insured
Shared among family
Dedicated per person
Best for
Young family (under 45)
Senior parents, working singles
If one member uses full cover
Others left with no cover
Others' cover untouched
Pre-existing waiting period
Common period for all
Different for each person
Cashless Hospital Network

8,500+ Hospitals Across India

No upfront cash. Walk in, get treated, walk out — insurance company settles directly with the hospital.

8,500+
India-Wide
200+
Local Hospitals
24x7
Emergency Support
60 min
Pre-Auth Approval

Major partners: Apollo, Fortis, Manipal, Max, Sterling, BAPS, Lifeline Multispeciality, Hari Krishna, and many more.

Tax Benefits

Save Tax Under Section 80D

Government rewards you for buying health insurance. You can deduct premium from taxable income.

For Self & Family (Below 60)

Premium paid for self, spouse, kids — up to ₹25,000/year deductible from your taxable income under Section 80D.

For Parents (60+ Senior)

Additional ₹50,000/year deduction for senior citizen parents' health insurance premium. Stackable with self/family.

Preventive Health Checkup

Extra ₹5,000 deduction for annual health checkup for self/family. Within the 80D limit.

Total Maximum Saving

Combined deduction up to ₹75,000/year = approx ₹22,500 tax saving (30% slab) every year.

Claim Process

We Handle Claims for You

One WhatsApp message — we take it from there. No paperwork stress, no chasing the insurance company.

01

Inform Us

WhatsApp as soon as admission is planned. We notify the insurance company.

02

Pre-Authorization

For cashless: we coordinate pre-auth with hospital. Approval in 60 minutes.

03

Treatment

You focus on getting well. We handle all paperwork at the hospital desk.

04

Settlement

Cashless: insurer pays hospital directly. Reimbursement: 7-15 days bank transfer.

Common Questions

Health Insurance FAQ

Are pre-existing diseases (PED) covered? +
Yes, but after a waiting period. Most plans cover PED after 2-4 years of continuous renewal. Some new plans reduce this to 1 year. We help you pick the best PED waiting period.
What's the right sum insured for my family? +
Rule of thumb in 2026 — minimum ₹10L for family floater (2 adults + 1-2 kids) in Tier-2 cities. For seniors or families with health history, ₹15-25L is recommended.
Cashless vs Reimbursement claim — which is better? +
Cashless is always better — no upfront payment, insurer pays the hospital directly. Use cashless when admitted at network hospital. Use reimbursement only if admitted at non-network hospital.
What's NOT covered under health insurance? +
Standard exclusions: cosmetic surgery, dental (unless trauma), self-inflicted injuries, alcohol/drug abuse, IVF (some plans cover), war/nuclear. Each plan has specific exclusions — we share the full list before purchase.
Can I increase coverage later? +
Yes. Sum insured can be increased at renewal (after 1 year). For higher cover, you may need a fresh medical test. Top-up plans (Super Top-Up) let you add ₹10-25L extra cover at very low premium.
What documents do I need to buy a policy? +
PAN, Aadhaar, recent photo, basic medical history declaration. For sum insured above ₹10L or age 45+, a quick health checkup is required (insurer arranges free of cost). We handle the entire documentation.
Free Consultation

Don't Wait for an Emergency
to Realize You're Underinsured.

Book a free 30-minute health insurance review. We'll tell you exactly what cover your family needs.

Get Free Quote Send Message Call +91 97269 62676