One Hospital Bill
Can Change Everything.
Are You Protected?

Almost always separate. When parents are added to a floater, the premium is calculated on the oldest member's age — inflating your cost by 40–60%. A dedicated senior citizen plan for parents aged 55+ gives the same or better coverage at a significantly lower total premium.

Every policy has waiting periods: (1) 30-day initial wait for non-accident claims, (2) 2–4 years for pre-existing conditions like diabetes or hypertension, (3) 1–2 years for specific conditions like cataract, hernia, joint replacement. We explain every waiting period clearly before you sign — so nothing surprises you.

Yes. Group cover ends the day you leave your job. ₹5L is insufficient for major surgeries in Hyderabad. A personal ₹10L floater + ₹30L super top-up costs ₹8,000–12,000 per year and gives you permanent, job-independent protection you control.

Yes — after the waiting period (usually 2–4 years). The key is to disclose all conditions honestly at purchase. If you declare diabetes, the insurer may load your premium slightly but will cover related hospitalisation after waiting. Non-disclosure at purchase is the #1 reason policies get cancelled.

Yes — renewal reminders are a free service we provide to every customer we sell a policy to. We send reminders 30 days, 15 days, and 5 days before expiry so you never miss a renewal and never lose your continuity benefits.

No. From 22 September 2025, the GST Council removed GST entirely on individual and family floater health insurance premiums, including senior citizen plans — the rate dropped from 18% to 0%. The only exception is employer-sponsored group health cover, which still attracts 18% GST. The premium quote you see today is the actual amount you pay.

Under the old tax regime, you can claim up to ₹25,000/year for premiums on yourself, your spouse and children (₹50,000 if you're a senior citizen), plus a separate ₹25,000–₹50,000 for your parents' premiums depending on their age — up to ₹1,00,000 total if both you and your parents are senior citizens. A ₹5,000 preventive check-up cost is included within these limits, not on top of them. Section 80D is only available if you opt for the old tax regime — see our Tax & Compliance page for a full breakdown.

Some older or cheaper policies cap how much the insurer pays per day for your hospital room — say 1–2% of the sum insured. If your actual room costs more, the insurer applies "proportionate deduction" and cuts your entire claim, not just the room charge, by the same percentage across every bill. We only recommend plans with no room rent capping, or at minimum a single private room limit.

Co-payment ("co-pay") is the percentage of every claim you pay out of your own pocket, with the insurer covering the rest. It's common in senior citizen plans (typically 10–20%) and some group schemes. A lower or zero co-pay plan costs more in premium but saves significantly more during an actual large hospitalisation — we always show you both options side by side.

If you exhaust your full sum insured in one claim during the policy year, the restoration benefit automatically reinstates 100% of your cover for any unrelated future claim in the same year — at no extra cost. It's one of the most valuable features for families, protecting against a second unrelated hospitalisation wiping out your cover entirely.

In a cashless claim, the hospital bills your insurer directly through its network hospital tie-up — you pay nothing upfront beyond non-medical expenses. In reimbursement, you pay the full bill yourself and the insurer repays you after document verification, which can take days to weeks. We always check that your preferred hospitals are in the cashless network before recommending a plan.

Yes, in nearly all modern policies. Day-care procedures (like cataract surgery or chemotherapy that don't need a 24-hour stay), domiciliary treatment (hospital-level care given at home when no bed is available), and AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy) are typically covered up to the full sum insured — though some insurers cap AYUSH at a sub-limit, so we check the fine print before you buy.