Health Cover That Pays When It Matters.

At most 3 years (36 months) since April 2024, down from 4. Waiting periods for specific illnesses and procedures are also capped at 3 years. Many plans offer shorter ones, or an add-on that reduces them. Declare every condition honestly when you apply.

Yes. Since April 2024 there's no upper age limit to buy health insurance (it used to be 65), and insurers must offer plans for senior citizens. Expect a medical check, waiting periods and sometimes a co-pay; we compare these across insurers.

One health plan with one sum insured shared by the whole family. It usually costs less than separate plans, but a large claim for one person leaves less for everyone else that year, so the sum insured matters. Older parents are often better off on a plan of their own; we compare both.

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.

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.

Usually, yes, under the "Cashless Everywhere" scheme, if the hospital agrees. Tell the insurer at least 48 hours before a planned admission, and within 48 hours of an emergency one. We'll help you with the request.

Yes, at renewal. Apply at least 45 days before your renewal date. Waiting periods you've already served carry over, the new insurer must offer at least your current sum insured, and porting is free. We handle the paperwork.

Not after 5 years (60 months) of continuous cover, except for proven fraud or a permanent exclusion in the policy. It used to be 8 years. Years with your previous insurer count if you ported.

For policyholders aged 60 and over, insurers can't raise the premium by more than 10% a year without consulting IRDAI (from January 2025). Premiums still differ a lot between plans, which is why comparing at renewal pays.

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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