One hospital bill should not undo ten years of savings.
We are advisors, not salespeople. We tell you what a policy covers, what it quietly does not, and we stand at the hospital insurance desk with you when it matters.
Get your premium in 30 seconds
No spam. One advisor calls you, once.
Find the right cover in 60 seconds
Four plain questions. No jargon, no login, no obligation. You will see a real premium range and the reason behind the recommendation.
Who are we covering?
A "floater" means one amount shared by everyone in the policy.
Age of the eldest person to be covered
Premium is decided mostly by this number.
Anything already going on health-wise?
Declaring is always better. Hiding is the #1 reason claims get rejected.
Where do you live, and how can we reach you?
Enter a valid 10-digit Indian mobile number.
Plans, without the fine-print games
Prices shown are illustrative annual premiums for a 35-year-old in a tier-2 city. Your exact number depends on age, members and city.
What health insurance actually pays for
Most disputes happen because nobody explained this before the policy was sold. So here it is, upfront.
Covered
- Hospital stay of 24 hours or moreRoom, ICU, doctor fees, medicines, tests, operation theatre.
- Day-care proceduresCataract, dialysis, chemotherapy and ~500 others that finish in a few hours.
- 30 days before, 60 days afterTests before admission and follow-up medicines after discharge.
- AmbulanceUsually ₹2,000–₹5,000 per hospitalisation.
- Accidents — from day oneNo waiting period for accidental injury.
- Modern treatmentsRobotic surgery, stem cell therapy, oral chemotherapy (limits apply).
Not covered (or only later)
- First 30 daysAny illness (not accident) in the first month after buying.
- Existing illnesses — 1 to 3 yearsDiabetes, BP, thyroid you already have. Declare them; they get covered after the wait.
- Specific surgeries — 2 yearsKnee replacement, hernia, piles, cataract, sinus.
- Cosmetic and dentalUnless caused by an accident.
- OPD, spectacles, consumablesGloves, syringes and gowns unless the plan includes a consumables cover.
- Anything you hid at the time of buyingThis is the reason most rejected claims get rejected.
What happens when someone is admitted
You call one number. We do the rest — including the follow-ups nobody enjoys.
You message us
One WhatsApp or call, any hour. Planned surgery? Tell us 48 hours before. Emergency? Within 24 hours of admission.
We file at the desk
We contact the hospital insurance desk and submit the cashless pre-authorisation with the right documents the first time.
Insurer approves
Average 2h 40m on our book. You get a WhatsApp the moment the sanction letter arrives — with the amount approved.
Hospital gets paid
Directly. You settle only non-medical items. If anything is deducted, we tell you exactly which clause caused it.
Check your hospital is cashless — today, not at 2 AM
The most useful thing you can do this week: confirm the hospital nearest to your home is in the network. Search below.
Showing a demo sample. The live list has 11,400+ hospitals.
Judged at claim time, not at sale time
Already have a policy? Get a free audit.
Send us your current policy. Within 24 hours we send back a one-page note in plain language: what you are actually covered for, the three gaps we found, and whether you are overpaying. If your policy is good, we will tell you to keep it.
1,400+ audits done this year
Straight answers
Still unsure about something?