One hospital bill away from a financial reset. Don't be.
One serious hospitalisation in India today costs ₹5–15L. Without health insurance, that comes straight from your emergency fund, investments or worse — loans. A well-chosen mediclaim policy converts that shock into a phone call. We help you pick a policy that actually pays, not just one with the lowest premium.
Health Insurance
One hospital bill away from a financial reset. Don't be.
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Compare health plans
We verify network hospitals near you, check sub-limits and waiting periods, and layer a super top-up for large covers at low cost. At claim time, we coordinate pre-authorisation so you focus on recovery, not paperwork.
What it is
Cashless medical protection for your whole family
One serious hospitalisation in India today costs ₹5–15L. Without health insurance, that comes straight from your emergency fund, investments or worse — loans. A well-chosen mediclaim policy converts that shock into a phone call. We help you pick a policy that actually pays, not just one with the lowest premium.
- IRDAI-licensed advisory across 15+ insurers
- Cashless network hospital verification for your city
- Room-rent-cap & sub-limit checks before you buy
- Claim-time hand-holding included
Why it matters
Why health cover matters
One hospitalisation can wipe out years of savings. Health insurance converts a potential ₹5–15 lakh shock into a cashless phone call. It also protects your other goals — you don't have to break your SIP or sell gold when a medical emergency arrives.
What Rajagopuram does
How we handle health insurance differently
Principles and processes that protect your interest before anyone else's.
Coverage over cost
The cheapest policy usually has the tightest sub-limits. We show you the fine print — room rent caps, disease waiting periods, co-pay clauses — before you sign.
Family floater by default
For most families a ₹10L floater covers all members and costs less than three individual policies. We calculate the optimal structure.
Top-up for real protection
A ₹5L base + ₹20L super top-up gives you ₹25L cover at a fraction of a single ₹25L plan. Smart layering saves 40%+.
Portability, not restart
Switching insurers? We port your waiting periods and no-claim bonus — you don't lose years of accumulated benefit.
How it is useful to you
From first conversation to live coverage — usually within a week
We verify network hospitals near you, check sub-limits and waiting periods, and layer a super top-up for large covers at low cost. At claim time, we coordinate pre-authorisation so you focus on recovery, not paperwork.
- 01Step 1
Family profile
Ages, existing conditions, home city, budget and hospital preferences. Filled in one call.
- 02Step 2
Plan comparison
We shortlist 3 policies with clear side-by-side comparison — network hospitals, sub-limits, waiting periods.
- 03Step 3
Underwriting
Medical questionnaire, tele-underwriting or medical tests depending on age. We coordinate everything.
- 04Step 4
Cashless setup
Health card issued, network hospitals in your area confirmed, claim helpline saved in your family's phones.
The menu
Sub-categories inside Health Insurance
Every option is available — we recommend only what fits your situation.
Individual mediclaim
One person, one policy. Best for young singles or when family members have very different profiles.
Family floater
One sum insured shared across family. Best value for spouse + 2 kids.
Senior citizen plans
60+ specific plans with pre-existing disease coverage. Higher premium, narrower waiting periods.
Critical illness
Fixed lump-sum on diagnosis of listed conditions (cancer, cardiac, stroke). Complements mediclaim.
Super top-up
Kicks in above a deductible — cheapest way to reach ₹25–50L total cover.
OPD & daycare add-ons
Doctor visits, diagnostics, minor procedures. Genuinely useful for young families.
Common questions
Everything people ask about Health Insurance
But I already have cover from my employer?
Group cover ends the day the job does — and job changes happen more often than you'd like. Keep a personal policy for continuity and no-claim bonus.
What sum insured should I take?
In a Tier-2 city today, a ₹10L family floater is the practical minimum. Metro dwellers should look at ₹15–20L through a base + top-up structure.
What is a co-pay clause?
The percentage of every claim you pay from your pocket. Senior citizen plans often carry 10–20% co-pay. We highlight this before you sign.
How do cashless claims work?
Show your health card at a network hospital. Their TPA desk gets pre-authorisation from the insurer, and you walk out paying only non-covered items.
What if my hospital isn't on the network?
You pay first, then file a reimbursement claim. We help with the paperwork — usually settled in 15–20 working days.
Are pre-existing diseases covered?
Yes, but after a waiting period of 24–48 months depending on the insurer. We compare waiting periods carefully for anyone with existing conditions.
Can I add my parents later?
Only some plans allow mid-term additions. If you're planning to add seniors soon, we recommend picking a plan built for that from day one.
What's not covered?
Cosmetic surgery, dental (usually), self-inflicted injury, war, and 30-day initial waiting for non-accident claims. We share the full exclusion list before you buy.
Ready to start?
Compare health plans
A dedicated health insurance advisor will call you within one business day.
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Ready to talk about health insurance?
Share your goal, budget and timeline. A Rajagopuram advisor will call you within one business day — no spam, no pressure.
- Personalised product recommendation
- Transparent cost comparison
- Lifetime servicing after you buy