General insurance, matched to your risk not sold as one-size-fits-all.

A family floater policy covers all members under a single sum insured (e.g., ₹10L shared by 4 members). An individual policy gives each member their own sum insured. Floaters are cheaper but risky if multiple members claim in the same year. We recommend individual policies for families with elderly members or known chronic conditions.

Yes — almost always. Employer group health cover typically provides ₹3–5L and ceases when you leave the company. A personal super top-up plan (kicks in after a threshold) gives you ₹20–50L additional cover at ₹3,000–8,000/year. One of the best-value insurance buys available.

For vehicles under 5 years old, yes. Without zero-dep, insurers deduct depreciation on rubber, plastic and glass parts (up to 50%) during claim settlement. Zero-dep eliminates this deduction. The add-on costs ₹2,000–6,000/year but saves ₹15,000–40,000 in a mid-size accident claim.

Cashless means the insurer pays the hospital directly — you pay nothing except non-covered items. You must use a network hospital. At admission, show your health card and Aadhaar. The TPA authorises the claim (usually within 2–4 hours). Our team handles escalations if authorisation is delayed.

It's cheaper than you think (₹150–400 for a 7-day domestic trip) and covers trip cancellation, flight delays, emergency hospitalisation and lost baggage. Given the rise in cancellations post-Covid, domestic travel insurance is increasingly worth it.