How it works
You pay a yearly premium; in return, the insurer covers hospitalisation costs up to your 'sum insured'. With cashless hospitals, the insurer settles directly so you don't pay upfront.
Not sure how this applies to you? A free call with Vijay Singh Rana sorts it out in minutes.
Key terms, decoded
- Sum insured — the maximum the insurer pays in a year
- Co-pay — a share of the bill you pay yourself
- Waiting period — time before certain conditions are covered
- Room rent limit — caps that can quietly reduce your claim
- Network hospitals — where cashless treatment works
What makes a good plan
Adequate sum insured for your city's costs, no restrictive room-rent cap, low or no co-pay, a wide hospital network, and quick claim settlement. The cheapest plan is rarely the best one.
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Vijay Singh Rana — HDFC Financial Advisor · IRDAI & AMFI Registered
Frequently asked questions
How much health cover do I need?
In metro cities, ₹10 lakh or more per person is often suggested given rising costs. An advisor can tailor this to your family and city.
Does my employer's cover count?
It helps but often isn't enough and ends when you leave the job. A personal policy gives you continuity and control.