Medical inflation runs at 12–15% annually. A single hospital stay can cost ₹3–8L. The right health insurance means zero out-of-pocket cost at 7,000+ network hospitals.
The right plan depends on your age, family size, and existing coverage. We help you choose correctly.
Covers one person for hospitalisation, surgery, and medical expenses. Ideal for young singles or as a supplement to employer cover.
One policy covers your entire family — spouse, children, and sometimes parents. Premium is lower than individual plans combined.
Designed for parents and seniors (60+). Higher premiums, but essential — senior citizens are not covered by most standard floater plans.
Lump-sum payout on diagnosis of 30+ critical illnesses (cancer, heart attack, kidney failure). Use the payout for treatment, income replacement, or EMIs.
Affordable way to enhance your existing cover. Activates once your base plan is exhausted — cost-effective for high-value cover.
Employer-provided cover for businesses and organisations. We advise on the right group plan for your team's needs and negotiate better terms.
At a network hospital, you never open your wallet. Here's exactly how it works step by step.
At admission, show your insurer's cashless health card or policy number to the hospital's insurance desk.
The hospital sends a pre-authorisation request to your insurer. For planned procedures, this happens 3–4 days before admission.
The insurer approves the treatment amount — typically within 2–6 hours for emergencies and 24–48 hours for planned procedures.
Your treatment continues. The hospital and insurer communicate directly. You pay only non-covered items (cosmetic, consumables, etc.).
At discharge, the insurer settles the bill directly with the hospital. You sign the discharge summary and leave.
Most plans follow a similar pattern. Here's a quick reference.
| ✓ Covered | ✗ Not covered |
|---|---|
| Hospitalisation (>24 hrs) | OPD consultations (usually) |
| ICU and surgery charges | Dental treatment (unless accidental) |
| Pre & post hospitalisation (30/60 days) | Cosmetic/aesthetic procedures |
| Ambulance charges | Self-inflicted injuries |
| Organ donor expenses | Pregnancy (1st year usually excluded) |
| Day-care procedures | Non-allopathic treatment (some plans) |
| Ayush treatment (many plans) | Experimental treatment |
"My father needed a kidney procedure — ₹4.8L. NKT had helped us take a family floater plan with a senior citizen rider the year before. The entire amount was settled cashless. I didn't pay a single rupee to the hospital."
Straightforward answers to India's most common health insurance questions.
We compare Star Health, HDFC Ergo, Care, Niva Bupa, and more — free, in one consultation.
