Health cover for everyone you love.
Compare plans from our partner insurers for yourself, your family and your parents. A real advisor helps you choose, and stays with you at claim time.
- IRDAI Licence No. 1135Direct Broker (Life & General)
- [X]+ partner insurersCompare plans side by side
- Claim help from a real personWe follow up with the insurer or TPA
- Talk to an advisorCall +91 84700 67555
What is health insurance?
Health insurance pays for medical treatment when you or your family need it: hospital stays, surgery, day-care procedures and the tests before and after. You pay a yearly premium, and the insurer covers eligible bills up to your sum insured.
With a cashless plan, the insurer settles bills directly with a network hospital, so you don't have to arrange large amounts in an emergency.
Find the right planTypes of health plans
Pick one to compare quotes- IndividualCover for one person, with their own sum insured.
- Family floaterOne shared sum insured for you, your spouse and kids.
- Senior citizenPlans designed for parents and members aged 60+.
- Top-upExtra cover that starts after a set deductible amount.
- Critical illnessA lump sum if you are diagnosed with a listed illness.
- Group healthCover for employees, set up and paid by the employer.
Popular health plans from our partners
Star Health[PLAN NAME]- Sum insured
- [₹X L – ₹Y Cr]
- Entry age
- [X–Y yrs]
- Network hospitals
- [X]
- Claim settlement
- [CSR %]
HDFC ERGO[PLAN NAME]- Sum insured
- [₹X L – ₹Y Cr]
- Entry age
- [X–Y yrs]
- Network hospitals
- [X]
- Claim settlement
- [CSR %]
- Niva BupaNiva Bupa[PLAN NAME]
- Sum insured
- [₹X L – ₹Y Cr]
- Entry age
- [X–Y yrs]
- Network hospitals
- [X]
- Claim settlement
- [CSR %]
Bajaj Allianz[PLAN NAME]- Sum insured
- [₹X L – ₹Y Cr]
- Entry age
- [X–Y yrs]
- Network hospitals
- [X]
- Claim settlement
- [CSR %]
All figures are placeholders until confirmed with each insurer. Premiums depend on age, city, members, sum insured and health history. Insurance is the subject matter of solicitation.
What's covered, and what isn't
Cover varies by plan. Always check the policy wording before you buy.
Usually covered
Up to your sum insured, subject to policy terms- HospitalisationRoom, ICU, surgery, doctor fees
- Pre & post hospitalisationTests and medicines around a stay
- Day-care proceduresTreatments under 24 hours
- Ambulance chargesRoad ambulance, up to a limit
- AYUSH treatmentAyurveda, homoeopathy and more
- Health check-upsPreventive check-ups in many plans
Usually not covered
Common exclusions across most plans- Waiting-period illnessesUntil the waiting period ends
- Cosmetic treatmentUnless medically necessary
- Self-inflicted injuriesAnd injuries from substance abuse
- Non-medical itemsSome consumables, unless an add-on
- Treatment abroadUnless your plan includes it
- Unproven treatmentExperimental or not recognised
Get covered in four steps
- 1Tell us who to coverPick members, add the eldest member's age and your city.
- 2Compare plansSee premium, cover, waiting periods and hospitals together.
- 3Share details & KYCAdd health details and complete KYC with your PAN.
- 4Get your policyYour advisor helps you finish, and the policy reaches your email.
How to make a claim
Two ways to claim. We help with both, from the first call to settlement.
Cashless claim
The insurer pays the hospital directly- 1Go to a network hospital of your insurer
- 2Show your health card at the insurance desk
- 3The hospital asks the insurer or TPA for pre-authorisation
- 4Approved bills are settled with the hospital; you pay any non-covered items
Reimbursement claim
You pay first, the insurer pays you back- 1Tell the insurer within the time given in your policy
- 2Pay the hospital and keep bills, reports and the discharge summary
- 3Submit the claim form and documents; we check them with you
- 4The approved amount is paid to your bank account
How much will your cover cost?
Get an estimate from members, ages and sum insured in under a minute.
Try the calculatorSave tax under Section 80D
Premiums you pay for health insurance for yourself, your family and your parents may qualify for a deduction of up to [₹ LIMIT] under Section 80D of the Income Tax Act, 1961.
Tax benefits depend on your tax regime and are subject to changes in tax laws. Please consult your tax advisor.
Compare health plans from our partner insurers
See all partners- Niva Bupa
- Aditya Birla Health
- ICICI Lombard
Health insurance FAQs
What does a health insurance policy usually cover?
Most plans cover hospitalisation (room, ICU, surgery and doctor fees), pre- and post-hospitalisation expenses, day-care procedures and ambulance charges, up to your sum insured. Exact cover and limits depend on the plan, so check the policy wording.
What is a waiting period?
It is the time after you buy a policy during which some claims are not paid, for example for pre-existing diseases or specific illnesses. Waiting periods differ by plan and are stated in the policy wording.
Should I choose a family floater or individual plans?
A family floater shares one sum insured across members and often costs less for young families. Individual plans give each person their own cover, which can suit older members. An advisor can help you compare both.
How does a cashless claim work?
At a network hospital, you show your health card and the hospital requests pre-authorisation from the insurer or TPA. Approved bills are settled directly with the hospital. You pay only for items the policy does not cover.
Can I move my policy to another insurer?
Yes. Health insurance portability lets you switch insurers at renewal while carrying over eligible waiting-period credit, subject to the new insurer’s underwriting. Start the process well before your renewal date.
Do I get a tax benefit on my premium?
Premiums for yourself, your family and your parents may qualify for a deduction under Section 80D of the Income Tax Act, up to [₹ LIMIT], as per applicable tax laws. Please check with your tax advisor.
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