Health Insurance cashless protection when it matters most.
Individual, family floater, senior citizen and super top-up plans covering hospitalisation, day-care procedures and critical illness — compared across 18 insurers on claim ratio, network and waiting periods, not just premium.
10,000+
Cashless hospitals
What is health insurance?
One hospitalisation shouldn't undo years of savings.
Health insurance reimburses or directly settles hospitalisation, pre/post-hospitalisation and day-care procedure costs, up to your chosen sum insured — the single policy that protects every other financial goal you're working toward.
Hospitalisation cover
In-patient treatment, ICU charges, surgeon and anaesthetist fees for hospitalisation over 24 hours, largely cashless at network hospitals.
No-claim bonus
Sum insured grows by up to 100% over claim-free years, at no additional premium.
Section 80D deduction
Premiums qualify for tax deduction — ₹25,000 for self/family, an additional ₹50,000 for senior citizen parents.
Day-care & pre-existing cover
540+ day-care procedures are fully covered, and pre-existing conditions are covered after a waiting period, typically 2-4 years.
Plan features
What's inside a modern health policy.
Health insurance in India has evolved well past a simple room-rent-and-surgery cover.
Family floater
A single sum insured shared across the family, usually cheaper than individual policies for young families.
Restoration benefit
Sum insured automatically restores to 100% after it's exhausted in a policy year, at no extra cost.
Super top-up
Adds ₹20-50L of cover above your base/employer policy at a fraction of the cost of a fresh base plan.
OPD & wellness cover
Select plans reimburse outpatient consultations, diagnostics and preventive health check-ups.
Coverage details
How much cover is enough.
A city-and-age-adjusted starting point — we refine this in conversation.
Individual, metro city
Recommended minimum given metro hospitalisation costs.
Family floater (4 members)
Shared sum insured for a young family in a metro or tier-1 city.
Senior citizen (individual)
Higher cover recommended given age-related claim probability.
Super top-up (on employer cover)
Additional cover above a ₹3-5L employer group policy.
Claim process
From admission to discharge.
Cashless is the default path — here's how it works end to end.
Admission
Show your health card and Aadhaar at a network hospital; the hospital raises a pre-authorisation request.
TPA authorisation
The TPA reviews and authorises the claim, usually within 2-4 hours. We escalate if it's delayed.
Treatment & discharge
You pay only for non-covered items; the insurer settles the rest directly with the hospital.
Post-discharge follow-up
We track any reimbursement for pre/post-hospitalisation expenses and follow up on pending claims.
Frequently asked
Common questions, honestly answered.
Don't wait for a hospital bill to find the gap in your cover.
Compare 18 insurers on claim ratio, network and waiting periods — not just premium.
Disclaimer: Insurance is the subject matter of solicitation. Please read the policy wordings, including waiting periods and exclusions, carefully before purchasing. Premiums vary by age, sum insured and insurer. Pingale Financial Services · IRDAI Corporate Broker License No. CB-XXXXXXX/XX/2024.