Health Insurance
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.
What it is
Cashless medical protection for your whole family
Plain-language explainer. No jargon, no fine-print traps.
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
Who it's for
If this sounds like you, we should talk.
Our approach
How we do this differently
Principles we don't compromise on — even when a shortcut looks tempting.
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.
The menu
Sub-categories inside Health Insurance
Every one of these is available — we recommend only what actually 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.
Getting started
From first call to live coverage — usually within a week
- 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.
Costs & transparency
What you pay — and where we earn
No hidden fees. No side commissions we hide from you.
Premium
For a 35-year-old family of four, a ₹10L floater typically costs ₹18,000–25,000/year depending on the insurer.
Section 80D
Up to ₹25,000 (₹50,000 if insuring seniors) deductible from taxable income under Section 80D.
Our commission
IRDAI-fixed commission embedded in premium. Disclosed on request. No side fees, ever.
Common questions
Health Insurance — everything people ask us
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.
Talk to a Rajagopuram advisor
Ready to start with Health Insurance?
Share your details — a human advisor calls you back within one business day. No spam, no auto-dialer.
