01Who it's for
Families relying only on employer cover
Parents above 55 needing their own policy
Anyone with a pre-existing condition to declare
02Eligibility
Age 18–75 at entry, children from 90 days
Pre-existing conditions can be covered with no waiting period on the right policy
Medical screening above age 45
Portability from an existing insurer allowed
03Documents needed
PAN and Aadhaar of all members
Age proof for each person covered
Existing policy copy if porting
Declared medical history
Scope of work
What I handle for you
Not a product list — the specific work that happens once you say go.
01Single or floater, base plus top-upOne policy for you, or a floater for the family — with a super top-up above it, which costs far less than one large policy for the same protection. The sum assured can be enhanced later without starting again.
02Every clause checked for what is there and what is notIs day-one cover included, or is there a waiting period? Is there any co-payment? A room-rent limit, or none at all? Is a top-up available above the base? Which conditions are excluded? I read out what each policy has and what it quietly leaves out, before you buy.
03Parents covered sensiblySenior-citizen plans priced separately — adding parents to your own floater is usually the expensive mistake.
04Claims handled by meYou call me from the hospital, not a helpline. I raise the cashless request and follow the TPA until it is approved.
Frequently asked
Isn't my company policy enough?+
It ends the day the job does, and it rarely covers parents adequately. A small personal policy alongside it is cheap insurance against that gap.
Who handles a claim?+
You call me first. I raise the intimation, deal with the hospital desk and follow the file to settlement.
Other services