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Cashless care at
10,000+ hospitals.
Zero stress.

Family floater plans with genuine cashless hospitalisation, no hidden sub-limits, and claim support that actually works. From ₹6,000/year for a family of 4.

10K+
Hospitals
20+
Insurers
₹6K
From/Year
100%
Cashless
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Healthy Indian family with health insurance
10,000+
Cashless Hospitals
20+
Insurer Partners
98%
Cashless Claims
₹0
Advisory Fee
Why Health Insurance

The 6 things your health plan must have.

Most plans look good on paper. These are the features that matter when you actually need to use it.

Cashless at 10,000+ Hospitals

NEFT/RTGS claims are a thing of the past. Proper cashless means zero out-of-pocket at admission.

No Room Rent Sub-limits

Sub-limits force you to pay the difference if you choose a room above the cap. Zero sub-limit plans eliminate this trap.

Pre & Post Hospitalisation

Consultations, diagnostics, and medicines before and after hospitalisation — typically 30/60 days covered.

No-Claim Bonus Up to 100%

Each claim-free year increases your sum insured by 10–50%. Some plans double your cover after 5 years.

Day-Care Procedures Included

500+ day-care procedures — cataract, dialysis, chemotherapy — covered without 24-hour hospitalisation.

Pre-existing Disease Waiting Period

Look for plans with 2-year (or less) waiting periods for pre-existing conditions vs the standard 4 years.

Types of Plans

Which plan type is right for you?

Family Floater

One policy, one sum insured shared by the entire family. Best for young families with no chronic conditions.

Ideal for families of 3–4 below 45
Individual Plans

Separate sum insured per person. Better for families with senior members or members with differing health risks.

Best for families with seniors
Senior Citizen

Designed for 60+ with higher premiums but coverage for age-related conditions including pre-existing diseases.

Age 60+ with existing conditions
Critical Illness

Lump sum payout on diagnosis of 30+ major illnesses. Works as a supplement to base health cover, not a replacement.

Add-on to existing health plan
Why Insuredge

Insuredge vs buying direct

Feature Insuredge Curated Buying Direct
Sub-limit Analysis Full Exclusion Review Fine Print Only
Cashless Network Check Hospital-Specific Generic List
Claim Settlement Support Dedicated Advisor Call Centre Only
Policy Portability Help Fully Managed DIY
Annual Policy Reviews Free Every Year Not Available
Pre-existing Waiting Period Best Available Standard 4 Years
Advisory Charges Zero Varies
Plans We Recommend

Popular health plans we advise on

Indicative premiums for ₹5L cover, family of 3 (30+28+4), non-smokers, Delhi.

Most Recommended
Niva Bupa ReAssure 2.0
Niva Bupa
₹11,500/yr
Sum insured: 5L (refill)
  • Unlimited refill benefit
  • No room rent sub-limit
  • No co-payment
  • 600+ day-care procedures
Get Expert Advice
Care Supreme
Care Health
₹9,800/yr
Sum insured: 5L + 50L bonus
  • Super no-claim bonus
  • Annual health check-up
  • Air ambulance cover
  • Organ donor expenses
Get Expert Advice
Aditya Birla Activ One
Aditya Birla
₹10,200/yr
Sum insured: 4L–2Cr flexible
  • Chronic disease management
  • 100% no-claim bonus
  • Out-patient cover optional
  • Return to health benefit
Get Expert Advice

Premiums vary with age, city, sum insured, and health declaration.

Common Questions

Frequently asked questions

What sum insured should I choose for health insurance?
For a family of 4 in a metro, ₹10L is the minimum we recommend in 2026 — hospitalisation costs have risen significantly. Consider a base of ₹5–10L with a super top-up for affordable higher coverage.
What is a super top-up plan and should I get one?
A super top-up kicks in after a deductible (usually equal to your base plan's sum insured). It provides very high coverage (₹25–95L) at a fraction of the cost of a higher base plan. Highly recommended for most families.
What are sub-limits and why should I avoid them?
Sub-limits cap how much you can claim for specific expenses — room rent, ICU, specific surgeries. If your room costs ₹5,000/day but your plan caps it at ₹3,000, you pay the ₹2,000 difference plus a proportional reduction in all related costs. We only recommend zero sub-limit plans.
Can I port my existing health insurance to a better plan?
Yes — IRDAI mandates portability. You retain your waiting period credits when porting. We manage the entire portability process at no cost, ensuring you don't lose any accrued benefits.
Does health insurance cover pre-existing conditions?
After a waiting period — typically 2–4 years depending on the plan. Pre-existing conditions declared at purchase are covered after this period. Non-disclosure is the primary reason for claim rejection — always declare fully.

Need Help Choosing?

Our IRDAI-certified advisors will compare 20+ plans and find the one with the right hospitals near you — at the best premium.

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Protect your family's health today.

₹5L cover for a family of 3 from ₹9,800/year. One 30-minute call to find the right plan.

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Health Insurance

Why Health Insurance is Essential?

With rising medical costs, a single hospitalization can deplete years of savings. Health insurance ensures you get the best medical care without financial stress.

Our plans cover everything from hospitalization and pre/post-medical expenses to daycare procedures and critical illness treatments.

Individual Plans

Focused coverage for single individuals with customizable sum assured.

Family Floater

One policy to cover your entire family, including spouse, children, and parents.

Critical Illness

Lump-sum payout upon diagnosis of major life-threatening diseases.

Key Benefits

  • Cashless Treatment: Access to a wide network of hospitals
  • Tax Savings: Deductions under Section 80D up to ₹75,000
  • No Claim Bonus: Increased cover for every claim-free year
  • Restoration Benefit: Refill of sum assured if exhausted
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