Health Insurance
Protect your family from financial shocks of medical emergenciesMedical costs in India are rising 15% annually. One hospitalisation can wipe out years of savings. The right health cover means you never have to choose between care and finances.
Plans We Advise On
Individual Plans
Comprehensive cover for a single individual — ideal for young professionals.
Family Floater
One policy covering the whole family with shared sum insured.
Senior Citizen Plans
Specialised policies for parents aged 60+ with pre-existing condition cover.
Critical Illness
Lump-sum payout on diagnosis of cancer, heart attack, stroke and more.
Super Top-Up
Affordable way to increase your coverage beyond the base policy limit.
Group Health Cover
Employer supplements and group plan advisory for businesses.
Why Get Advised?
A clear, repeatable process — so you always know what happens next and why.
- 01
Right Coverage
We match your family size, city, and health history to the right sum insured.
- 02
Network Hospitals
We check cashless hospital networks in your area before recommending.
- 03
Claim Support
We guide you through every step if you ever need to make a claim.
- 04
Annual Review
We review your cover as your family grows and healthcare costs rise.
- 05
Portability
Switching insurers? We ensure you carry forward your waiting period credits.
A Worked Example
Figures are illustrative, based on typical scenarios. Your numbers will differ.
A family of four in a metro (two adults in their mid-30s, two kids) shopping for a ₹15L family floater typically sees quotes from ₹22,000-32,000/year depending on the insurer and room-rent sub-limits. The cheapest quote often has a "single private AC room" sub-limit or a 10-20% co-pay clause buried in the policy wording — which can mean a ₹2L bill on a ₹4L hospitalisation gets only ₹3.2L reimbursed after the co-pay is applied.
We compare the actual claim settlement ratio and network hospital list for your pin code, not just the premium, and stack a ₹15L base with a ₹10L super top-up (which costs a fraction of raising the base sum insured) so the family is covered up to ₹25L for roughly the same outlay as a ₹18L base-only plan.
What we don't do.
The financial industry has habits that quietly cost clients money. These are the ones we have chosen never to practise.
Push High-Premium Plans
We never recommend an expensive policy just because it earns us a higher commission. Your coverage need drives the recommendation.
Hide Waiting Period Clauses
We walk you through every waiting period — pre-existing diseases, maternity, specific illnesses — before you sign.
Recommend Inadequate Cover
We never suggest a ₹3L policy when your city's hospital costs demand ₹10L+. Underinsurance is a silent disaster.
Ignore Pre-Existing Conditions
We ensure full and accurate disclosure upfront so your claims are never rejected on technicalities.
Disappear After Issuance
Many agents vanish after the policy is issued. We stay — for renewals, claims, and annual reviews.
Mis-sell Top-Ups as Standalone
A super top-up without a base policy is incomplete. We always explain what you're buying and what you're not.
Questions, answered.
What is the ideal health insurance cover for a family of four in India?
Should I buy health insurance directly or through an advisor?
What is the waiting period for pre-existing diseases in health insurance?
Learn before you decide.
Get expert health insurance advice.
Book a free consultation with Yatri Bhatt and get clarity on your health insurance needs.