Health Insurance
Stay covered against rising medical costs.
Overview
A single hospitalisation can wipe out years of savings. We help individuals, families, and senior citizens choose health insurance plans with the right sum insured, cashless network, and add-on covers.
What We Help With
- Individual and family floater plans
- Senior citizen and critical illness cover
- Cashless hospitalisation across wide hospital networks
- Top-up and super top-up plans to boost cover affordably
Interested in Health Insurance?
Tell us your goals and we'll get back to you with the right options.
Get in TouchHealth Insurance FAQs
What's the difference between cashless and reimbursement claims?
With a cashless claim, the insurer settles directly with a network hospital, so you don't pay upfront for covered expenses. With reimbursement, you pay first and claim the amount back afterward. Cashless is faster and less stressful, which is why network hospital coverage matters when choosing a plan.
Does a pre-existing condition mean I can't get health insurance?
No, but most insurers apply a waiting period (commonly 2–4 years) before a pre-existing condition is covered. Some insurers offer shorter waiting periods at a higher premium. It's worth disclosing conditions honestly upfront — non-disclosure is the most common reason claims get rejected later.
What's a reasonable sum insured for a family floater plan?
For a family in a metro city like Bangalore, ₹10–25 lakh is a reasonable starting range given rising treatment costs, though the right number depends on family size, ages, and any existing conditions. A base plan plus a super top-up is often more cost-effective than one large base policy.
I already have health insurance through my employer — do I need my own policy too?
Usually yes. Employer cover typically ends when you leave the job, and the sum insured is often lower than what a family actually needs. A personal policy keeps your cover continuous and independent of your employment.
What is a waiting period and how does it affect claims?
A waiting period is a set time after buying a policy during which certain claims (specific illnesses, pre-existing conditions, or sometimes any claim at all in the first 30 days) aren't covered. Understanding your policy's specific waiting periods before you need to claim avoids an unpleasant surprise later.