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Health Insurance

Your Health.
Your Savings Protected.

Medical inflation runs at 12% per year. A single hospitalisation can cost ₹3–5 Lakh today. Health insurance is not optional — it is your most immediate financial protection need.

10,000+ Cashless Hospitals₹3L to ₹1 Cr coverTax deduction 80D
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Plan Types

The Right Cover
For Every Family

👤 Individual Plan
Separate sum insured for each member. Better for older members or pre-existing conditions. Each claim doesn't affect others.
👨‍👩‍👧 Family Floater
One pool shared by entire family. More economical. Best for young, healthy families. One major claim can exhaust the floater.
👴 Senior Citizen Plans
Designed for 60+ age group. Higher premium but specific pre-existing disease coverage available.
🔝 Super Top-Up Plans
Kicks in after a deductible threshold. Enhance existing coverage at very low cost. Best value for money.
Section 80D Tax Benefit
Self + spouse + children: ₹25,000
Parents below 60: additional ₹25,000
Senior citizen parents: additional ₹50,000
Maximum deduction: ₹1 Lakh/year
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Documents Required

Health Insurance Checklist

👤Identity & Age
Aadhaar Card
PAN Card
Age proof for all members to be insured
Address proof (Aadhaar / utility bill)
Passport-size photographs
🏥Medical Documents
Recent medical reports (if any)
Existing health conditions disclosure
Previous policy document (for renewal / portability)
Discharge summary (if hospitalised in last 3 years)
Doctor prescription (if on regular medication)
FAQs

Health Insurance Questions

What is a waiting period in health insurance?⌄
(1) Initial waiting period: 30 days (all claims except accidents). (2) Pre-existing disease waiting period: 2–4 years. (3) Specific illness waiting period: 1–2 years. (4) Maternity: 9–24 months. We compare plans with shortest waiting periods for your specific needs.
What is cashless hospitalisation?⌄
Cashless means the hospital directly bills the insurance company — you don't pay out of pocket. Available at network hospitals (10,000+ across India). For non-network hospitals, you pay and claim reimbursement later. Always choose hospitals in the insurer's network for cashless.
What is the difference between individual and family floater?⌄
Individual: Separate sum insured per person. One person's claim doesn't affect others' cover. More expensive overall. Family Floater: Shared pool for entire family. More economical. Risk: one large claim can exhaust cover for the year.
Can I port my existing health insurance to another provider?⌄
Yes. You retain waiting period credit served in your existing policy. Apply to new insurer 45 days before renewal date. Portability is a right — insurers must accept requests subject to underwriting.
What is a critical illness plan and how is it different from health insurance?⌄
Health insurance: Reimburses actual hospitalisation expenses. Critical illness plan: Pays a fixed lump sum on diagnosis of specific conditions (cancer, heart attack, kidney failure) — regardless of actual treatment cost. Both are complementary — health covers treatment cost, critical illness covers income loss.
Does health insurance cover pre-existing diseases?⌄
After the waiting period (usually 2–4 years), pre-existing conditions are covered. Some insurers offer shorter waiting periods at slightly higher premium. Always disclose all pre-existing conditions honestly — non-disclosure can lead to claim rejection.
What is a no-claim bonus (NCB) in health insurance?⌄
If you don't make any claim in a policy year, your sum insured increases (typically 5–50% per year depending on the plan). This bonus accumulates up to a capped limit (often 100% of original sum insured). Your premium typically doesn't increase proportionally.
How is TPA involved in health insurance claims?⌄
TPA (Third Party Administrator) is a licensed intermediary that manages claims on behalf of the insurer. They pre-authorise cashless claims and coordinate with hospitals. Some insurers have in-house claim settlement which can be faster. We guide you through the claim process step by step.

Srikara Financial Services assists individuals in accessing insurance products from all leading registered insurance providers. Insurance policies are issued by the respective insurance companies. Premiums are indicative. Tax benefits based on applicable Income Tax Act provisions. Please read the policy document before purchase.

Important Legal Notice

For your guidance and assistance only. Srikara Financial Services is an independent financial guidance and assistance platform. We help individuals understand and access loan and insurance products offered by banks, housing finance companies, and registered insurance providers. We do not lend money, we do not underwrite or issue insurance policies, and we do not make credit or underwriting decisions of any kind.

All loan sanctions, disbursals, and credit approvals are made solely by the respective financial institutions based on their own credit assessment policies. All insurance policies are issued solely by the respective registered insurance companies based on their own underwriting criteria. Approval is never guaranteed. Interest rates and premiums shown are indicative and subject to change.

No liability for financial outcomes. Srikara Financial Services and its representatives are not liable for any financial loss, claim rejection, policy lapse, loan default, or any other financial outcome arising from products accessed through our guidance. All financial decisions are the sole responsibility of the customer. We strongly recommend reading all product terms, conditions, and key information documents before making any financial commitment.

Insurance-specific notice. We assist you in comparing and accessing insurance products from all leading registered insurance companies. We do not guarantee policy issuance, claim approval, or any specific coverage outcome. Insurance is subject to acceptance by the insurer based on their underwriting norms. Claims are settled solely by the insurance company. We are not liable for any claim rejection, policy exclusion, or insured amount recovery issues. Please read your policy document carefully before purchase.

Tax information. Tax benefits and exemptions mentioned on this website are based on prevailing Income Tax Act provisions applicable to resident Indians. Tax rules are subject to change by the government. NRI tax treatment varies by country of residence. Please consult a qualified chartered accountant or tax advisor for personalised tax guidance. This website provides general information only and does not constitute legal, financial, or tax advice.