Health Insurance
Health insurance covers eligible medical costs — hospitalisation, day-care procedures, and related treatment — so a health event becomes a claims process rather than a savings emergency.
Cover built around real medical costs, not just a premium
Plans vary widely in what they cover, which hospitals they cover it at, and how they treat pre-existing conditions — which is why the choice matters more than the category name suggests.
Individual, family floater, senior citizen, critical illness, group, and top-up plans each solve a different problem: a family floater spreads one sum insured across the household, while a top-up raises the ceiling on an existing base plan.
What actually distinguishes two plans:
- Sum insured and how it’s shared across the family
- The network hospital list in your city
- Waiting period on pre-existing conditions
- Sub-limits and co-payment clauses on room rent or specific treatments
- Premium relative to the cover offered
Why health cover matters
A hospital bill shouldn’t become a financial event
In-patient hospitalisation and day-care costs are covered up to your plan’s sum insured, so a medical emergency doesn’t have to draw down savings meant for something else.
Cashless treatment at network hospitals
Many plans offer cashless settlement at listed network hospitals, so admission isn’t held up by an upfront payment while you’re already dealing with an emergency.
The costs around the stay add up too
Ambulance charges, and the medical expenses just before and after a hospital stay, are easy to overlook — cover for that window means fewer costs land on you directly.
What health insurance covers
In-Patient Hospitalisation
Costs of admission and treatment during a hospital stay, up to your plan’s sum insured.
Day-Care Procedures
Cover for procedures that don’t require a full 24-hour hospital admission.
Pre- & Post-Hospitalisation
Eligible expenses for a defined window before and after your hospital stay.
Ambulance Cover
Ambulance charges covered up to your plan’s specified limit.
Maternity & Newborn Cover
Available on plans that include it, after the applicable waiting period.
Plan Flexibility
Individual, family floater, senior citizen, critical illness, and top-up structures to match your situation.
Built for individuals, families, and senior citizens
Individuals
A standalone plan sized to your own medical needs and budget.
Families
A family floater plan sharing one sum insured across the household.
Senior Citizens
Plans structured around the specific needs of older applicants.
Supported from comparison through claims
Our Digital Insurance Journey is how we work every health insurance enquiry, start to finish.
Enquire
Tell us about your household and what you need health cover for.
Learn & Compare
We walk you through what matters, then compare relevant plans across insurers — not just the one paying the highest commission.
Apply & Issue
Your advisor handles the paperwork, liaises with the insurer, and checks the policy documents before you rely on them.
Renewals & Claims
We stay reachable for renewals, and our Claims Support desk helps when you need to make a claim.
Frequently asked questions
Cover that often goes with health insurance
Looking for the right health cover?
Talk to an advisor about how Health Insurance fits your situation — we compare across insurers rather than selling a single product.