Health insurance · Pan India — Plans compared. Fine print explained.
We compare plans across insurers on what really counts: room-rent limits, co-pay, waiting periods and the cashless hospitals near you.
- Cashless treatment at network hospitals across India
- Tax benefit under Section 80D
- Free claim support from our desk
IRDAI Direct Broker Licence No. IRDAI/DB/1258/2025
Free comparison · no obligation
Get health quotes
Tell us who needs cover. A health advisor will share plan comparisons across insurers.
Plan types
Plans we help you choose between.
The right structure matters as much as the insurer. We'll explain which one fits your family.
Family floater
One sum insured shared by the whole family — cost-effective for young families.
Ask us which suits you — Family floater
Individual plans
Separate cover for each member; better for older parents.
Ask us which suits you — Individual plans
Senior citizen plans
Designed for 60+, with lower entry restrictions.
Ask us which suits you — Senior citizen plans
Super top-up
Adds high cover above a deductible at a low premium.
Ask us which suits you — Super top-up
Read the fine print with us
What's usually covered — and what to check before you buy.
What's usually covered
- In-patient hospitalisation
- Pre & post hospitalisation expenses
- Day-care procedures
- Ambulance charges
- Annual health check-up
What to check before you buy
- Room-rent capping
- Co-payment clauses
- Waiting period for pre-existing diseases
- Disease-wise sub-limits
- Claim settlement record of the insurer
Before you buy
The fine print, explained.
These are the terms that decide how much a claim actually pays. We compare every plan on all of them.
Room-rent limit
- Many plans cap the room you can claim for, often at a percentage of the sum insured per day or a room category. Take a costlier room and some policies cut other parts of the bill in the same proportion, not just the room difference. We tell you which plans have no cap.
Co-payment
- A fixed share of every claim that you pay yourself, commonly 10–20%. It is usual on senior citizen plans and sometimes applies when you're treated outside the insurer's network or zone. A lower premium with co-pay can cost more at claim time.
Waiting period for pre-existing diseases
- Conditions you already have, such as diabetes or blood pressure, are covered only after a waiting period. Under IRDAI's 2024 rules it can't be longer than 36 months on a new policy, and many plans offer shorter periods or a buy-down.
Initial and specific-disease waiting periods
- Most plans don't pay for illness in the first 30 days (accidents are covered from day one). Listed treatments such as cataract, hernia or joint replacement usually have their own waiting period of one to two years.
Moratorium period
- After 60 months of continuous cover, the insurer can't reject a claim for non-disclosure or misrepresentation, except for proven fraud. Continuous cover includes years carried over when you port.
Disease-wise sub-limits
- Caps on what the plan pays for particular treatments, for example a fixed amount per cataract eye, whatever the sum insured. Plans without sub-limits cost a little more and avoid surprises.
Restoration and no-claim bonus
- Restoration refills the sum insured once it's used up in a year; check whether it works for the same illness. A no-claim bonus raises your cover for each claim-free year without raising the premium.
The insurer's claim record
- Look at how many claims the insurer pays, how fast, and how many complaints it gets per 10,000 claims. IRDAI publishes these figures every year, and we share them with every quote.
Regulatory limits are from IRDAI's 2024 health insurance rules. Your policy wording always prevails; ask us to check any clause before you buy. Questions about a claim? See how claims work.
Plan types
Which kind of plan fits your family?
Most families end up with a mix: a floater for the household and a separate plan for parents.
| Family floater | Individual | Senior citizen | Super top-up | |
|---|---|---|---|---|
| Best for | Young families with children | Older members, or anyone with a health condition | Parents aged 60 and over | Raising cover cheaply on top of a base or employer plan |
| Sum insured | One amount shared by everyone covered | A separate amount for each person | A separate amount, often with lower maximums | Pays above a deductible you choose, across all claims in the year |
| Premium depends on | Age of the eldest member | Each person's age | Age and medical history; tests are common | The deductible: the higher it is, the lower the premium |
| Watch out for | One big claim can use up the whole family's cover | Higher total premium than a floater | Co-payment, sub-limits and waiting periods | It pays nothing until claims cross the deductible |
Questions
Health insurance questions we hear every week.
A floater is usually cheaper for a young couple with children, because everyone shares one sum insured. Once parents or anyone with a long-term condition is included, individual plans (or a separate plan for them) protect the rest of the family's cover and keep premiums tied to each person's age.
Yes. IRDAI removed the old upper age limit of 65 for buying new health insurance in 2024. Expect a pre-policy medical check, and compare co-payment, room-rent limits and the waiting period for existing conditions, because these vary most on senior plans.
At a hospital in your insurer's network, the hospital sends a pre-authorisation request to the insurer or TPA and the approved amount is paid directly. IRDAI's 2024 master circular asks insurers to decide cashless requests within one hour and final discharge within three hours. We check that your preferred hospitals are in the network before you buy, and our claims desk helps at admission.
Yes. Portability lets you switch insurer at renewal and carry over credit for the waiting periods you've already served, up to your previous sum insured. Apply well before your renewal date; we handle the forms and the timeline for you.
Under Section 80D of the Income Tax Act (old tax regime), you can deduct up to ₹25,000 a year for yourself, your spouse and children, or ₹50,000 if you're a senior citizen, and up to another ₹25,000 for your parents, or ₹50,000 if they're senior citizens. Preventive health check-ups count up to ₹5,000 within these limits.
No. The premium is the same as buying from the insurer directly. Brokers are paid by insurers as permitted by IRDAI regulations, and our advice and claims help cost you nothing.
Policy review
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