Secure Your Family's Health
from ₹276/Month
Cashless at 10,000+ Hospitals

Given India's current medical inflation of 13% per year, experts recommend a minimum of ₹10 Lakh for an individual under 40 and ₹15–₹25 Lakh for families. If budget is a concern, opt for a ₹5L base plan + ₹50L super top-up for comprehensive coverage at lower cost.

Yes, absolutely. IRDAI mandates that all health insurers must accept applications from people with pre-existing conditions. They cannot reject your application based on PED alone. These conditions will have a waiting period of 2–3 years before claims related to them are payable.

For young, healthy families, a family floater is more cost-effective. However, if any member is significantly older (60+) or has chronic health conditions, individual plans may be better as they won't raise everyone's premium.

For planned admissions, pre-authorization is typically approved within 2–4 hours. For emergencies, IRDAI regulations require insurers to respond within 1 hour. The cashless process involves zero out-of-pocket payment for covered expenses.

Yes! IRDAI allows portability — you can switch to any insurer without losing your accumulated waiting period credit. You must apply at least 45 days before your current policy renewal date.

Under Section 80D: Up to ₹25,000 for self/spouse/children; Up to ₹50,000 more if parents are senior citizens (60+). Maximum total deduction: ₹1,00,000/year. Premium must be paid via non-cash modes (UPI, card, netbanking).