Health Insurance

Health cover that pays when you need it

Hospitalisation, day-care and critical illness — without the fine-print surprises. We match you to a plan with a strong claim record and the right cover for your family.

₹5L–₹1Cr
cover options
7,000+
network hospitals
Lifetime
claims support
What you get

Cover that actually works for you

Cashless hospitalisation

Walk in, get treated, walk out — we help you use cashless network hospitals so you don't pay upfront.

Pre & post hospitalisation

Tests, consultations and medicines before and after admission are covered, not just the hospital bill.

Day-care & modern treatments

Procedures that no longer need 24-hour admission — like cataract or chemotherapy — are included.

No-claim bonus

Stay healthy and your cover grows. We pick plans that reward claim-free years generously.

Family floater options

One sum insured that protects your whole family at a lower combined premium.

Honest claim-ratio data

We rank insurers by how reliably they actually settle claims — not by who pays us more.

Types of plans

Find the right fit

Not sure which one suits you? That's exactly what our free call is for.

Individual

A dedicated sum insured for one person, with no sharing.

Best for

Singles & young professionals

Family Floater

One sum insured shared across your spouse, kids and you.

Best for

Couples & young families

Senior Citizen

Cover designed for parents above 60, with fewer waiting periods.

Best for

Elderly parents

Critical Illness

A lump-sum payout on diagnosis of major illnesses like cancer or stroke.

Best for

Added protection

Buyer's checklist

What to check before you buy health cover

  • Claim settlement ratio and average settlement time
  • Room-rent limits and any co-payment clauses
  • Waiting periods for pre-existing diseases
  • Network hospitals near you for cashless claims
  • Sub-limits on specific treatments or diseases
  • Restoration and no-claim-bonus benefits
How Insubees helps
1

Advice with zero spam

Talk to IRDAI-certified advisors who get paid to help you — not to push a product. No call-centre scripts, no endless follow-ups.

2

We handle the paperwork

From shortlisting to medicals to policy issuance, we stay with you end-to-end so nothing falls through the cracks.

3

Claims support for life

When you need to claim, our team helps you file, follow up and get paid — for as long as you hold the policy.

Talk to an advisor
Questions, answered

Health Insurance FAQs

It depends on your city, age and family size. In metros, ₹10 lakh is a sensible starting point for a young family — we'll help you arrive at the right number for your situation.

It's the time you must hold a policy before certain conditions — like pre-existing diseases or maternity — become claimable. We highlight these clearly so there are no surprises.

Cashless lets the insurer settle the hospital directly at network hospitals. Reimbursement means you pay first and claim later. We help you with both, and prefer plans with wide cashless networks.

Senior parents are usually best covered on a separate senior-citizen plan rather than a family floater. We'll compare both and recommend what's cheaper and safer.

No. Advice is free. We earn a standard commission from the insurer that's the same whichever plan you choose, so our recommendation stays unbiased.

Get health insurance advice you can trust

Book a free, no-obligation call. We'll help you choose the right cover — and nothing you don't need.