Health Insurance That
Actually Works When You Need It Most

A minimum of ₹10–15 lakh is recommended for a family of 4 in a Tier-1 city. Given 14% annual medical inflation, a sum insured that feels adequate today may be grossly insufficient in 5 years. We help you calculate the right cover based on your city, age, and health profile — and include a plan with the highest possible 'No-Claim Bonus' so it grows every year irrespective of claim status.

Health insurance policies typically have a 30-day initial waiting period (for all illnesses, not accidents), a 0–3 year waiting period for pre-existing conditions, and a 2-year waiting period for specific illnesses like hernia, cataracts, etc. We help you choose policies with the shortest waiting periods and flag exactly what applies to your health profile before you buy.

A family floater pools the sum insured, making it cost-effective for young, healthy families. However, it can run short if multiple members are hospitalised in the same year. For families with senior members or those with pre-existing conditions, separate individual policies may offer better coverage. We analyse both options for your specific situation and recommend what makes financial sense.

This is where we stand apart. Being an insider for 5+ years, we understand why exactly insurers reject claims — and how to challenge those decisions. We assist you end-to-end in filing reimbursements & grievances with the insurer, the consumer court, the Insurance Ombudsman, or IRDAI — and have successfully reversed decisions in the past that clients had given up on. You are never alone in a claim dispute, always remember that. Your satisfaction is paramount to us.