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Quick answers to the most common health insurance questions from Indian customers.
The best time to buy health insurance is in your 20s when premiums are lowest and you have no pre-existing conditions. However, it's never too late — coverage at any age is better than none.
A family floater plan covers your entire family (spouse, children, parents) under a single sum insured. It's usually more affordable than buying individual plans for each member.
The claim settlement ratio shows what percentage of insurance claims an insurer settles. A higher ratio (95%+) means the insurer is more likely to pay your claim without disputes.
Yes! Most insurers cover pre-existing conditions after a waiting period of 2–4 years. Some plans offer coverage from day 1 for specific conditions. We'll help you find the best option.
With cashless hospitalization, you don't need to pay medical bills upfront at network hospitals. The insurer directly settles the bill with the hospital after your claim is approved.
For a family of 4 in a metro city, ₹10–25 lakh coverage is recommended. For individuals, ₹5–10 lakh is sufficient. We'll assess your needs and suggest the right amount.