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Plans

Health and term insurance, explained

Below are the categories of cover I advise on most often. Sum insured ranges and features are indicative; the right combination depends on your family, health and budget.

Health Insurance

Protect your savings from rising medical costs with cashless hospitalisation, day-care procedures and wellness benefits.

Health₹5 lakh - ₹1 crore

Individual Health Plan

Comprehensive cover tailored to one person.

Ideal for

Young professionals and singles

  • Cashless treatment at 10,000+ network hospitals
  • Pre and post hospitalisation expenses
  • No room-rent capping options
  • Restoration of sum insured
  • Annual health check-up
Health₹10 lakh - ₹1 crore

Family Floater Plan

One policy, one premium, whole family covered.

Ideal for

Couples and families with children

  • Shared sum insured for self, spouse and children
  • Maternity and newborn cover options
  • Unlimited automatic recharge on select plans
  • Day-care procedures and domiciliary treatment
  • Cumulative bonus up to 100%
Health₹3 lakh - ₹50 lakh

Senior Citizen Health Plan

Designed for parents aged 60 and above.

Ideal for

Parents and senior citizens

  • Entry age up to 75+ on select plans
  • Shorter waiting periods for pre-existing diseases
  • Coverage for age-related ailments
  • Domiciliary and AYUSH treatment
  • Tax benefit under Section 80D
Health₹10 lakh - ₹1 crore

Super Top-Up Plan

Boost your existing cover at a fraction of the cost.

Ideal for

Anyone with a corporate or base policy

  • Kicks in after an aggregate deductible
  • Works alongside employer group cover
  • Very low premium for high sum insured
  • Covers multiple hospitalisations in a year
Health₹5 lakh - ₹50 lakh

Critical Illness Cover

Lump-sum payout on diagnosis of major illnesses.

Ideal for

Sole earners and those with family history

  • Covers cancer, heart attack, stroke, kidney failure and more
  • Lump sum paid regardless of treatment cost
  • Replaces lost income during recovery
  • Available standalone or as a rider

Term Life Insurance

Pure protection at the lowest cost. Secure your family’s income, loans and future goals if you are not around.

Term Life₹50 lakh - ₹5 crore

Pure Term Life Plan

Maximum life cover at the lowest premium.

Ideal for

Earning members aged 25 – 45

  • High sum assured at affordable premiums
  • Cover up to age 85 on select plans
  • Choice of lump sum, monthly income or both
  • Premium waiver on disability rider
  • Tax benefits under Sections 80C and 10(10D)
Term Life₹25 lakh - ₹2 crore

Term Plan with Return of Premium

Get all your premiums back if you outlive the term.

Ideal for

Those who prefer a maturity benefit

  • Full premium refund at maturity
  • Same protection as pure term during the policy
  • Optional critical illness and accidental death riders
Term Life₹50 lakh - ₹3 crore

Increasing Cover Term Plan

Cover that grows with your responsibilities.

Ideal for

Young families with growing income and loans

  • Sum assured increases 5 – 10% every year
  • Keeps pace with inflation and lifestyle
  • Premiums stay fixed for the full term

Before you buy

What I check in every plan

These are the details that decide whether a claim gets paid smoothly. I walk you through each one.

  • Claim settlement ratio and average settlement time of the insurer
  • Room-rent limits, co-payments and disease-wise sub-limits
  • Waiting periods for pre-existing diseases and specific illnesses
  • Network hospitals near your home and workplace
  • Restoration, no-claim bonus and lifetime renewability
  • For term plans: sum assured of 15 to 20 times your annual income

FAQ

Common questions

Do you charge a fee for advice?

No. My advice is free for you. I am compensated by the insurer when a policy is issued, and I recommend plans purely on suitability.

Which insurers do you work with?

I work with leading IRDAI-registered health and life insurers in India. TODO: list your partner insurers.

Can you help with an existing policy or a claim?

Yes. I help with renewals, portability to a better plan, adding family members, and claims for policies bought through me.

How quickly can a policy be issued?

Most health and term policies are issued within 2 to 7 working days after medical checks (if required) and document verification.

Not sure which plan is right for you?

Tell me a little about your family and budget. I will recommend two or three options with clear pros and cons, no obligation.