Protect your loved ones with complete health coverage.

Launched by General Insurance Council (GIC) and IRDAI, this allows you to go to any hospital in India for treatment. If the hospital isn’t on your insurer’s list, you just need to inform the insurer 48 hours before a planned surgery, and they will coordinate the cashless payment.

In a Family Floater, one “pot” of insurance money is shared by everyone (e.g., a ₹10 Lakh cover for husband, wife, and two kids). In an Individual plan, everyone has their own dedicated ₹10 Lakh limit. Floaters are cheaper, but Individuals are safer for families with elderly members.

Yes. In 2026, many surgeries like Cataract, Dialysis, or Chemotherapy don’t require 24-hour hospitalization. Ensure your policy covers 500+ Day Care procedures so you don’t lose out just because you weren’t “admitted” overnight.

During COVID-19, many people realized that “non-medical” items like gloves, masks, and PPE kits make up 10-20% of the bill and are not covered. Most Indian insurers now offer a “Consumables Cover” or “Claim Shield” add-on that pays for these items.

Typically, if you have Diabetes or Hypertension, you must wait 2 to 4 years before the insurance covers them. However, many “new-age” insurers in India now offer “PED Waiver” riders that reduce this waiting period to just 1 year or even Day 1.

Yes. Under current IRDAI guidelines, most comprehensive policies cover AYUSH treatments, provided they are taken in a government-recognized hospital or a Quality Council of India (QCI) accredited facility.