Complete Medical Cover. Zero Compromise.

A family floater shares one sum insured across all members, making it cheaper. It works well when dependants are young and healthy. However, if parents are included, individual plans are safer because a single hospitalisation can exhaust the shared pool. We analyse your family's age and health profile before recommending.

All health policies have waiting periods: 30 days initial waiting period (no claims except accidents), 2–4 years for pre-existing diseases, and specific waiting periods for conditions like joint replacement or maternity. The sooner you buy, the sooner you serve out the waiting period — which is why delaying health insurance is costly.

Yes, but it comes with conditions. Most insurers will cover you after a 2–4 year waiting period for that specific condition. Some insurers offer coverage from day one at a higher premium or with a sub-limit. We identify the best insurer for your specific health profile rather than sending you to the cheapest option.

If you don't make any claims in a policy year, your sum insured increases by 10–50% (depending on the insurer) at no additional premium. This bonus can accumulate up to 50–100% of the original sum insured. A ₹5 lakh policy can grow to ₹10 lakh in a few claim-free years — significantly increasing your real coverage.

Cashless means the insurer settles the bill directly with the hospital — you don't pay upfront. You must be admitted to a network hospital and inform the insurer within 24 hours (for planned procedures, 3 days before). We provide our clients with the insurer's network hospital list and TPA contact details during onboarding.