Individual Health
A dedicated sum insured for one person. Good when members have very different health needs.
Health Insurance
Care for your family, without the bill shock
One hospital stay can undo years of savings. We compare health plans across insurers on what actually matters (room rent limits, waiting periods, network hospitals) and help you through cashless and reimbursement claims.
- Plans for individuals, families, parents and senior citizens
- Check network hospitals near you before you buy
- Claim support with hospitals and TPAs
Enquiry received
Thank you. An advisor will call you within 4 business hours (Mon–Sat, 9 AM – 7 PM). Want to talk sooner?
Types of Cover
Choose the right plan
The best plan depends on your age, family and existing cover. Here are the main types we help with.
Family Floater
One sum insured shared by the whole family: self, spouse, children and sometimes parents. Cost-effective for young families.
Senior Citizen
Plans designed for people aged 60+, with cover for age-related illnesses. Terms like co-payment vary, so we compare carefully.
Super Top-up
Adds a large extra cover over a deductible at low cost. Ideal on top of an employer's group policy.
Critical Illness
Pays a lump sum on diagnosis of listed serious illnesses such as cancer, heart attack or stroke.
Personal Accident
Lump sum on accidental death or disability, and income cover while you recover.
Know Your Cover
What's covered, what's not
A general guide. Exact cover depends on the insurer and plan, and we walk you through the policy wording before you buy.
Usually covered
- In-patient hospitalisation for 24 hours or more: room, nursing, ICU, doctors, surgery, medicines
- Pre- and post-hospitalisation expenses for a set number of days
- Day-care procedures that don't need a 24-hour stay (e.g. cataract, dialysis)
- Ambulance charges up to a limit
- AYUSH treatment (Ayurveda, Yoga, Unani, Siddha, Homoeopathy) in recognised hospitals
- Pre-existing diseases after the waiting period
- Free health check-ups and no-claim bonus on many plans
Usually not covered
- Illnesses in the initial waiting period (usually 30 days, except accidents)
- Pre-existing diseases and specified illnesses until their waiting period ends
- Cosmetic or aesthetic treatment, unless needed after an accident
- Self-inflicted injury, and substance abuse treatment
- Non-medical items such as gloves and toiletries (unless covered as an add-on)
- Treatment outside India, unless the plan includes global cover
Before You Buy
What we check for you
Two plans with the same sum insured can pay very differently. These are the details we compare.
Room rent limits
A cap on room rent can reduce the whole claim proportionately. We favour plans with no or generous room rent limits.
Waiting periods
For pre-existing diseases and specific illnesses. Shorter is better, especially for parents.
Co-payment
Some plans make you pay a percentage of every claim, common in senior citizen plans. We make this clear upfront.
Network hospitals
Cashless treatment works only at network hospitals. We check the ones near you in Hisar and beyond.
Restoration & bonus
Sum insured refill after a claim, and cumulative bonus for claim-free years.
Disclosure
Declaring your medical history honestly protects your claim later. We help you fill the proposal form correctly.
Claims
Hospitalised? Here's what to do.
Cashless or reimbursement, we help at every step.
Tell us early
For planned treatment, inform us a few days before admission; for emergencies, within 24 hours. Call +91 93067 50032.
Pre-authorisation
At a network hospital, the TPA desk sends a cashless request to the insurer. We follow up on approvals.
Discharge
The insurer settles approved amounts directly with the hospital. You pay only non-payable items and deductibles, if any.
Reimbursement
For non-network hospitals, pay and collect all original bills. We help you file the claim and track it to settlement.
Keep Handy
Documents usually needed for a claim
Insurers may ask for more depending on the case. We'll give you the exact list for your claim.
- Health card / policy number
- Photo ID and KYC of the patient
- Doctor's prescription advising admission
- Discharge summary
- Original hospital bills and payment receipts
- Investigation reports (X-ray, blood tests, etc.)
- Pharmacy bills with prescriptions
- Cancelled cheque (for reimbursement)
FAQs
Health Insurance questions
How much health cover do I need?
It depends on your city, family size and hospital preference. As a rough guide, many families today consider ₹10 lakh or more, often combining a base plan with a super top-up to keep premiums affordable. We'll help you size it.
What is a waiting period?
Most plans don't cover illnesses in the first 30 days (accidents excepted). Pre-existing diseases and certain listed illnesses have longer waiting periods, which vary by plan. As per IRDAI rules, the waiting period for pre-existing diseases cannot exceed 3 years.
Can I buy health insurance for my parents above 60?
Yes. Many insurers offer plans for senior citizens. Premiums are higher and some plans have co-payment or longer waiting periods, so comparison matters a lot here.
Can I port my policy to another insurer?
Yes. Portability lets you move to a new insurer at renewal while keeping credit for waiting periods already served (up to the previous sum insured). Apply before your renewal date; we'll handle the process.
Do I get a tax benefit?
Premiums paid for health insurance for self, family and parents may be deductible under Section 80D of the Income Tax Act if you use the old tax regime. Limits depend on age; check with your tax advisor.
I already have cover from my employer. Do I need more?
Group cover usually ends when you leave the job and may not be enough for your family. A personal base plan or a low-cost super top-up is a sensible backup.
Protect your family's health & savings
Tell us the ages of family members and your city, and we'll shortlist the right plans.