Individual, metro city
Recommended minimum given metro hospitalisation costs.
Range
₹10L – ₹25L
General Insurance · Health
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
18
Insurers compared
₹5L – ₹2Cr
Cover range available
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.
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Restoration benefit
Sum insured automatically restores to 100% after it's exhausted in a policy year, at no extra cost.
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Super top-up
Adds ₹20-50L of cover above your base/employer policy at a fraction of the cost of a fresh base plan.
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OPD & wellness cover
Select plans reimburse outpatient consultations, diagnostics and preventive health check-ups.
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Flexibility
Security
Long-term growth
Coverage details
How much cover is enough.
A city-and-age-adjusted starting point — we refine this in conversation.
Family floater (4 members)
Shared sum insured for a young family in a metro or tier-1 city.
Range
₹15L – ₹50L
Senior citizen (individual)
Higher cover recommended given age-related claim probability.
Range
₹10L – ₹25L
Super top-up (on employer cover)
Additional cover above a ₹3-5L employer group policy.
Range
₹20L – ₹50L
Claim process
From admission to discharge.
Cashless is the default path — here's how it works end to end.
Simple processHassle-free claims
01
01
Admission
Show your health card and Aadhaar at a network hospital; the hospital raises a pre-authorisation request.
02
02
TPA authorisation
The TPA reviews and authorises the claim, usually within 2-4 hours. We escalate if it's delayed.
03
03
Treatment & discharge
You pay only for non-covered items; the insurer settles the rest directly with the hospital.
04
04
Post-discharge follow-up
We track any reimbursement for pre/post-hospitalisation expenses and follow up on pending claims.
FAQs
Frequently asked
questions.
Common questions, honestly answered.
A family floater covers all members under a single sum insured — cheaper, but risky if multiple members claim in the same year. Individual policies give each member their own sum insured. We recommend individual policies for families with elderly members or known chronic conditions.
Yes, almost always. Employer cover typically gives ₹3-5L and ceases when you leave the company. A personal super top-up (kicks in after a threshold) gives ₹20-50L additional cover at ₹3,000-8,000/year — one of the best-value insurance buys available.
The insurer pays the hospital directly — you pay nothing except non-covered items. Show your health card and Aadhaar at admission; the TPA authorises the claim, usually within 2-4 hours. We handle escalations if authorisation is delayed.
Yes — IRDAI allows portability without losing waiting-period credits. Apply at least 45 days before renewal. We handle the entire porting process and ensure you don't lose accumulated no-claim bonuses.
Some policies cap eligible room rent as a percentage of sum insured. Exceeding it triggers proportionate deduction on the entire bill, not just the room charge — a common source of claim shortfall. We prioritise plans without this cap where budget allows.
Yes, after a waiting period — typically 2-4 years depending on the insurer and condition. Full, honest disclosure at purchase is essential; non-disclosure is the most common reason for claim rejection.
Clear answers. Better decisions.
Expert Guidance
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.