Health Insurance for Your Family
What is health insurance?
Health insurance pays your hospital bills when you or a family member is admitted for treatment. At a network hospital it can pay the hospital directly (cashless); elsewhere you pay first and claim the money back.
A family floater covers everyone in one policy with a shared sum insured.
The risk health insurance addresses
Medical costs in India have risen far faster than incomes, and a single hospital stay can cost lakhs. Without cover, that money comes out of your savings or goals, often when you can least afford it.
Without it, you could face
- A large hospital bill draining years of savings
- Borrowing or selling investments in an emergency
- Losing your employer's group cover when you change jobs or retire
- Higher premiums and waiting periods if you start late
What health insurance gives you
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Cashless hospitalisation
Treatment at network hospitals without paying the bill yourself, subject to policy terms.
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Family floater cover
One sum insured shared by your whole family, usually at a lower premium than separate policies.
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Before and after hospital
Most plans cover related expenses for a set number of days before and after admission.
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Tax savings under 80D
Deduct up to ₹25,000 a year for your family's premiums, and up to ₹50,000 more for senior citizen parents.
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Top-up and super top-up
Raise your cover affordably on top of an existing or employer policy.
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Claim support
We help with pre-authorisation, documents and follow-ups with the insurer.
Is this right for you?
If any of these sound like you, a short conversation with us is a good place to start.
Ask us a question- Young families buying their first policy
- Parents and senior citizens
- Employees who rely only on group cover from work
- Self-employed people and freelancers
- People with pre-existing conditions
- Anyone whose current cover feels too small
Consultation, comparison, planning and ongoing support
Good health is the foundation of a fulfilling life, and being prepared for the unexpected is essential to maintaining it. Our Health Protection Solutions are designed to give you and your loved ones financial security and peace of mind during medical challenges, and to support access to quality healthcare when it matters most.
By managing healthcare expenses effectively and minimising financial strain, our approach keeps your focus on recovery and overall well-being. With thoughtful planning and reliable protection, you can live with confidence, knowing that your health, family and future are secure.
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Consultation
Family members, ages, health history and the hospitals you prefer.
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Comparison
Room-rent limits, waiting periods, co-pay and network hospitals, side by side.
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Plan & set-up
We make sure every health condition is declared correctly so claims aren't rejected later.
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Ongoing support
Help at the hospital desk, with reimbursement paperwork, and a review at every renewal.
Health Insurance: common questions
Group cover usually ends when you leave the job and is often small for a family. A personal policy, or a top-up on your group cover, protects you between jobs and after retirement.
Most policies don't cover certain illnesses, and conditions you already have, for an initial period, often two to four years. Starting early means the waiting period is over by the time you are more likely to need it.
With a cashless claim at a network hospital, the insurer settles the bill directly after approving it. With reimbursement, you pay first and claim the money back with your bills and reports.
Yes. IRDAI rules allow you to port your health policy to another insurer at renewal while keeping credit for waiting periods already served. Apply well before your renewal date and we'll help with the process.
Under Section 80D you can deduct up to ₹25,000 a year for yourself, your spouse and children (₹50,000 if you are a senior citizen), plus up to ₹25,000 for parents (₹50,000 if they are senior citizens). Deductions under Sections 80C and 80D are available only under the old tax regime.