The one policy your family
will actually use.

What is Health Insurance?

Health insurance reimburses — or directly settles — the cost of hospitalisation, surgery, diagnostics, and in some plans, outpatient treatment. You pay a premium each year to maintain the policy. When medical care is needed, the insurer covers costs up to your sum insured.

A Family Floater plan extends a shared sum insured across all members of the household — typically more cost-efficient than individual policies for younger families. A Super Top-Up plan activates after your base policy's sum insured is exhausted, providing additional cover at a fraction of the cost of increasing your base plan.

For elderly parents, Senior Citizen plans require careful reading — with pre-existing condition waiting periods, sub-limits on specific procedures, and co-payment clauses that matter enormously at the time of a claim. For young couples planning a family, Maternity Cover requires 2 to 4 years of prior policy tenure before benefits activate — a detail that catches many families off guard.

Critical Illness plans pay a lump sum on the diagnosis of specified conditions — cancer, stroke, heart attack, kidney failure — independent of your hospitalisation policy.