Health & Critical Illness
Premium health coverage structured around quality-of-care preservation — not just financial protection. Zero co-pay policies, room sub-limit waivers, and international coverage where applicable. 99% claims settlement success across our portfolio.
Coverage That Works When You Need It
For families with substantial assets, the primary concern with health coverage is not financial protection from catastrophe — it is the preservation of quality of care. The right policy ensures access to the best specialists, eliminates administrative friction during hospitalisation, and does not impose co-pay or room sub-limit constraints that degrade the actual coverage at the moment of a claim.
We evaluate health plans on the factors that determine real-world coverage quality: zero co-pay structures, room rent sub-limit waivers (which can otherwise cap reimbursement far below the actual bill), pre-existing disease waiting periods, network depth at premium hospitals, and international coverage eligibility. A plan with a lower premium but aggressive sub-limits is not comprehensive coverage — it is the appearance of coverage.
Our claims advocacy service is what distinguishes our health advisory from a policy comparison portal. When a claim event occurs, our team manages the cashless admission request, TPA liaison, document submission, and escalation — from first notice to final settlement — with a 99% claims settlement success rate across our managed portfolio. That level of advocacy is what the policy is actually worth.
Key Features
Individual & Family Floater Plans
Base health plans from ₹5 lakhs to ₹1 Cr+ covering hospitalisation, day procedures, ICU, and modern treatments. Family floater structures cover all members under a single sum insured.
Super Top-Up Plans
High-deductible plans that activate above ₹3–5 lakhs per claim — providing ₹20–50 lakhs of additional coverage at a fraction of the cost of an equivalent base plan premium.
Critical Illness Cover
Lump-sum payouts of ₹25 lakhs to ₹2 Cr on diagnosis of specified critical illnesses — cancer, cardiac events, kidney failure, stroke. Provides income replacement beyond hospitalisation costs.
Sub-Limit & Co-Pay Analysis
We identify and quantify room rent sub-limits and co-pay clauses in every plan we compare — clauses that can reduce your effective coverage by 30–50% on a major claim.
Network Hospital Verification
We confirm network hospital coverage in your specific city and neighbourhood before recommending — a plan with 10,000 network hospitals is only valuable if the hospitals you would use are included.
Full Claims Advocacy
When a claim occurs, our team manages the cashless admission request, TPA liaison, document submission, and insurer escalation from first notice to final settlement — with a 99% success rate. No family should have to navigate an insurer's claims process alone.
PARTNERS
How We Work
A clear, structured approach from your first consultation to ongoing support.
Coverage Gap Assessment
We review any existing health cover (employer group policy, individual plans) and identify gaps in sum insured, room rent limits, critical illness cover, and overseas coverage.
Plan Comparison
We compare 7+ plans across room rent, co-pay, pre-existing waiting period, network hospitals, and premium — providing a side-by-side matrix that makes the right choice clear.
Application & Issuance
We complete the proposal form accurately (especially pre-existing condition disclosure), coordinate any required medical tests, and confirm policy issuance with correct nominee and sum insured details.
Annual Review & Claims Support
Annual renewal review — considering premium increases, health changes, and sum insured adequacy — alongside on-call claims support whenever a hospitalisation occurs.
Coverage Gap Assessment
We review any existing health cover (employer group policy, individual plans) and identify gaps in sum insured, room rent limits, critical illness cover, and overseas coverage.
Plan Comparison
We compare 7+ plans across room rent, co-pay, pre-existing waiting period, network hospitals, and premium — providing a side-by-side matrix that makes the right choice clear.
Application & Issuance
We complete the proposal form accurately (especially pre-existing condition disclosure), coordinate any required medical tests, and confirm policy issuance with correct nominee and sum insured details.
Annual Review & Claims Support
Annual renewal review — considering premium increases, health changes, and sum insured adequacy — alongside on-call claims support whenever a hospitalisation occurs.
Frequently Asked Questions
Ready to get started?
Schedule a consultation with our team. We'll assess your needs, answer your questions, and recommend the right path forward.