Family floater · Top-up · Critical illness
Health Insurance
A single hospital stay shouldn't derail your wealth
Medical inflation in India is 12–14% per year. One serious hospitalisation can wipe out years of savings. Health insurance gives you cashless treatment across 10,000+ network hospitals.
Regulated by IRDAI
Key facts
- Recommended cover
- ₹10–₹25 L per adult
- Pre-existing waiting
- 2–4 years typically
- Income tax (80D)
- ₹25K self + ₹50K parents (sr)
- Renewability
- Lifelong (most insurers)
What you get
Cashless hospitalisation
10,000+ network hospitals in India. Show your card, no need to arrange funds upfront.
Family floater
Single policy covers self + spouse + kids (sometimes parents). Sum insured pooled across family.
Top-up plans
Cover above your existing base (employer + personal). High cover at low premium — e.g. ₹50 L cover for ₹6K/yr after ₹5 L deductible.
Critical illness rider
Lump-sum payout on diagnosis of cancer / heart attack / stroke etc. — separate from hospitalisation cover.
Is this for you?
- Every family — even if employer provides cover (it lapses on job loss)
- Senior citizens and parents (separate or floater plans)
- Those wanting cover for critical illnesses like cancer, cardiac, stroke
- High earners needing top-up cover above corporate plan
Common questions about Health Insurance
Risk & regulatory note
Insurance is the subject matter of solicitation. Visit www.irdai.gov.in for details. Pre-existing conditions, waiting periods, room-rent limits and co-payment clauses vary by policy — read carefully before buying.
Talk to an advisor about Health Insurance
Free 30-minute consultation. No fees, no pressure. We answer your questions before you commit.