Individual, family-floater and senior-citizen health cover — plus group mediclaim for your team.
Health insurance pays some or all of your medical costs — hospitalisation, treatment and, on many plans, care just before and after it — in exchange for a premium. Because a serious illness or accident can be financially disruptive at exactly the moment you can least plan for it, most families and employers treat health cover as a foundation policy rather than an optional extra.
Room rent, ICU charges, doctor's fees, surgery, medicines and related costs during an admission, subject to your plan's terms.
Medical expenses for a defined period before admission and after discharge, as specified in the policy.
Treatments that no longer require a 24-hour admission thanks to medical advances, as listed by your insurer.
A single sum insured shared across a family, usually more cost-efficient than separate individual policies.
Plans designed around the eligibility and underwriting considerations relevant to older applicants.
Employer-sponsored cover for staff, often with simpler enrolment than individual policies.
Every policy is different — this is a general guide to the kind of exclusions common in this category, not a list for any specific policy.
Check with the hospital's insurance desk whether it's in your insurer's network for cashless treatment.
For cashless claims, this is usually needed before or shortly after admission.
Bills, prescriptions and the discharge summary — reimbursement claims need originals.
Share your policy number and admission details as soon as reasonably possible.
The insurer reviews the claim against your policy terms and processes payment or reimbursement.
For full step-by-step guidance and a claim assistance form, visit the Claims Centre →
We're preparing a short explainer on health insurance. In the meantime, the sections above cover the essentials — or get in touch with a question.
Cashless means the insurer settles directly with a network hospital, so you don't pay upfront for covered costs. Reimbursement means you pay first and claim the eligible amount back afterwards — useful at hospitals outside your insurer's network. Which applies, and any conditions, depend on your specific policy.
Usually not immediately — most policies apply a waiting period for pre-existing conditions, which varies by insurer and plan. We'll help you understand what applies before you buy.
Some family-floater plans allow it; many insurers price senior citizens separately given different underwriting considerations. We can help you compare both approaches.
It depends on your city, family size, age and the kind of treatment you'd want access to. We're happy to talk through a sensible starting point rather than guess a number for you here.
Tell us what you need covered — no payment or policy details required to start the conversation.