Health Insurance

One hospitalisation without cover can undo years of savings.

Healthcare costs in India are rising at 14% annually. A 3-day stay in a private hospital can cost ₹2–5 Lakhs. A good health plan is not a luxury — it's the most important financial product you can own.

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Health Insurance, Simply

What is health insurance — in plain English.

You pay a small amount every year (premium). In return, the insurance company pays your hospital bills — up to a certain limit (sum insured) — if you're ever hospitalised.

Even ₹10 Lakhs of cover costs less than ₹15,000/year for most people under 35. That's ₹1,250/month for peace of mind.

💡 Rule of thumb: Your health cover should be at least 10x your monthly income. In metros, start at ₹10 Lakhs minimum.

Individual Plans — Cover for just yourself. Best for young professionals.

Family Floater — One policy covers your entire family. The sum insured is shared.

Senior Citizen Plans — Designed for people above 60. Higher premiums, tailored coverage.

Critical Illness Cover — Lump sum payout on diagnosis of serious conditions like cancer or heart attack.

Top-up / Super Top-up — Cheaply boost your existing coverage. Great if you already have basic cover.

Group Health (for Businesses) — Cover your employees under a single group policy. Tax-deductible.

How to Choose

4 questions to ask before buying any health plan.

What's the waiting period for pre-existing diseases?

Most plans have a 2–4 year waiting period. Some offer shorter periods — ask us to compare.

Are there any room rent sub-limits or co-payment clauses?

Sub-limits mean you pay the difference out of pocket. Always check this before buying.

Is my preferred hospital in the insurer's network?

Cashless treatment only works at network hospitals. Check before committing.

What's the claim settlement ratio of this insurer?

Anything above 95% is good. We only recommend insurers with strong settlement records.

We answer all four of these for every policy we recommend. You never go in blind.