Health Insurance
Personal Health
Protect yourself.
Family Floater
One cover for all
Senior Citizen
Care for their years.
Maternity Health
Stress-free motherhood
NRI Health
Care beyond borders
Super Top-Up
Extra cover, less cost
Day-1 Cover
Illness cover instantly
Critical Illness & Cancer
Support in tough times
OPD Health
Covers daily care
Hospital Cash
Cash when hospitalised
Personal Accident
Protection from mishaps
A health policy in your own name — portable across jobs, priced on your age today, and renewable for life.
One sum insured shared across the household — efficient when risk is even, dangerous when it is not.
Large cover above a deductible — the cheapest way to add a second layer over an existing policy.
Today Protected. Tomorrow Stronger.
More than Policies A Partner for Life
| Plan |
Personal Health
|
Family Floater
|
Super Top-Up
|
Senior Citizen
|
|---|---|---|---|---|
| Best for | Protect yourself. | One cover for all | Extra cover, less cost | Care for their years. |
| Premium from* | ₹6,500 | ₹11,000 | ₹4,200 | ₹22,000 |
| Rating | 4.6 | 4.5 | 4.7 | 4.4 |
| Details | View | View | View | View |
*Indicative starting figures; the final terms depend on your profile.
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Neither is universally better. A floater shares one sum insured across the family and is efficient when everyone's risk is broadly similar. An individual policy is better where one person's health profile differs sharply from the rest, because in a floater that person can consume the cover the whole family depends on. Many households end up with a sensible hybrid: a floater over the family plus a separate individual policy on the member with the higher risk.
Almost certainly yes. Employer cover ends with the employment, and it ends at exactly the moment a new policy is hardest to buy — after a diagnosis, at an older age, or during a job search. Holding a policy in your own name alongside the group cover means you never have to buy protection under pressure.
A waiting period is a window at the start of the policy during which certain claims are not payable. There is usually a 30-day initial period, a longer one for named ailments, and a longer one still for pre-existing conditions. They matter because they run from the date the policy begins — so the cost of delaying a purchase is not just a higher premium, it is a later date on which your existing conditions become claimable.
It depends on your city and your family history far more than on any rule of thumb. In a metro, a single serious hospitalisation can run past ₹8 to ₹10 lakh. Rather than buying one very large policy, most people are better served by a base policy topped by a super top-up above a deductible, which buys substantially more total cover for a similar premium.
At a network hospital the insurer settles the bill directly, so you are not funding a large deposit during an emergency. It is not a guarantee: the hospital raises a pre-authorisation request and the insurer approves an amount, which can be partial and can be revised. Outside the network you pay and claim reimbursement afterwards. Either way, intimate the claim early.
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