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Individual · Family floater · Senior citizen · Top-up

Health Insurance that protects your family and your savings.

One hospitalisation can wipe out years of savings. Health insurance pays your medical bills — cashless at network hospitals — so a medical emergency doesn't become a financial one. We help you pick the right sum insured, structure and network.

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The basics

What is health insurance?

Health insurance is a policy that pays for your hospitalisation and medical treatment up to a chosen limit (the sum insured). With cashless treatment at network hospitals, the insurer settles the bill directly, so you focus on recovery, not money.

What's typically covered

  • In-patient hospitalisation (room, ICU, doctor, surgery)
  • Pre- and post-hospitalisation expenses
  • Day-care procedures (treatments not needing 24-hour stay)
  • Ambulance charges
  • Cashless treatment at network hospitals
  • Cumulative/No-Claim Bonus for claim-free years
  • Maternity & newborn cover (on selected plans)

Common conditions & exclusions

  • Pre-existing diseases during the initial waiting period
  • A short initial waiting period (usually 30 days) for illness
  • Specific waiting periods for named ailments
  • Cosmetic or aesthetic treatment
  • Self-inflicted injury; treatment abroad (unless covered)
  • Room-rent limits or co-pay, if your plan has them

Waiting periods and sub-limits vary by plan — reading them correctly is where we add value.

Types of plans

The right structure for your family

Individual

A separate sum insured for each person. Ideal when someone needs a higher, dedicated cover.

Family Floater

One sum insured shared across the family — usually the most cost-effective way to cover everyone.

Senior Citizen

Plans designed for elderly parents, with cover for age-related conditions.

Critical Illness

A lump-sum payout on diagnosis of a covered serious illness (cancer, heart attack, stroke, etc.).

Super Top-up

A large, affordable extra cover that kicks in above your base policy — a smart way to get high total cover cheaply.

Group / Employee

Cover for your team or members under a single group policy (see Business insurance).

Know before you buy

How to choose the right health cover

Our offering

Why buy health insurance through InsureDost

We help you cut through the jargon, compare fairly, and stand with you at claim time.

  • The right sum insured & structure. We often recommend a base plan + super top-up so you get high cover affordably.
  • Fewer nasty surprises. We flag room-rent limits, co-pays and waiting periods before you buy — not after.
  • Cashless made simple. We match plans to strong hospital networks near you.
  • Claims advocacy. When you're in hospital, we help push your claim through.
Get free advice
Family coverFloater plans sized to your family's needs
Parents' coverSenior-citizen plans for age-related care
Super top-upHigh total cover, lower premium
Critical illnessLump-sum protection for major illnesses
FAQs

Health insurance questions

How much health cover does my family need?

In metros, a family floater of ₹10–25 lakh is a sensible base given today's costs — often built as a smaller base policy plus a super top-up for affordability. We help you decide based on your city, age and health.

Individual or family floater?

A floater shares one sum insured across the family and is usually cheaper. An individual plan gives each person a dedicated cover — better where someone needs a higher, separate limit (e.g. elderly parents).

What is co-pay and room-rent limit?

Co-pay means you share a fixed percentage of each claim. A room-rent limit caps the daily room charge the insurer will pay. Both reduce your payout, so we help you find plans that minimise them.

What is a waiting period?

A period after buying during which certain conditions aren't covered — typically 30 days for general illness, and longer for pre-existing diseases and specific ailments. Buying while healthy gets you past them sooner.

Cashless or reimbursement?

At a network hospital the insurer pays directly (cashless). Elsewhere you pay and claim reimbursement. We match you to plans with strong networks near you so cashless is the norm.

Protect your family's health — advice is free

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