Health Cover Your Team Will Value.

Cashless: the insurer settles the hospital bill directly, and you pay only for what the policy doesn't cover. Reimbursement: you pay the hospital, then claim the money back with the bills and reports. We help with both, and make sure eligible costs before and after the hospital stay are claimed too.

Within 1 hour of the hospital's request, and final approval for discharge within 3 hours. If the insurer is late, it bears any extra charges the hospital adds. These IRDAI rules have applied since mid-2024.

If your room costs more than your policy allows, many policies cut the related charges in the same proportion, not just the room. Co-pay is the share of each claim you pay yourself. Both vary by plan; we point them out before you buy.

The same person who arranged your policy handles the paperwork and follows up with the insurer until you're paid. We've helped settle more than 6,300 claims this way.

Tell us what happened, even if you didn't buy the policy through us, and we'll tell you honestly whether it's worth pursuing. The formal route: complain to the insurer's grievance officer, who must resolve it within 14 days. If that fails, go to IRDAI's Bima Bharosa portal or the Insurance Ombudsman, which is free, must be approached within a year and handles claims up to ₹50 lakh. The Ombudsman is open to individuals, sole proprietors and micro enterprises, not to partnerships or companies.

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As an employer you're liable for compensation if an employee is injured or killed at work, whether or not you're insured. A workmen's compensation policy pays that liability for you. Employees covered by ESI are handled under that scheme instead.