₹5 Lakh+ Family Health Cover — Compare Karo, Sahi Pick Karo
Family floater, individual, critical illness, senior citizen — sab compare karke best fit. Network hospitals mein cashless. Claim mein free help.
Every other cover rests on this one. Get it right first.
Aapke family ke liye kaunsa plan?
Individual Health
Ek person, poora sum insured sirf unke liye.
Best for single earners & parents 45+Family Floater
Ek policy, ek sum insured — poori family share karti hai.
Best for young familiesCritical Illness
Cancer, heart attack, kidney failure pe lump-sum payout.
Best as add-on to base coverSenior Citizen
60+ parents ke liye — pre-existing disease cover ke saath.
Best for parents 60+Ek hospitalisation, saalon ki savings
Medical inflation is real
Hospital ka kharcha har saal badhta hai. Jo cover 5 saal pehle kaafi tha, aaj shayad nahi hai.
Plan bechne wale ka fayda
Kai baar wahi plan push hota hai jisme advisor ko zyada milta hai — aapki family ki need nahi.
Claim ke time koi nahi
Documents, TPA, queries — family hospital mein hai aur aap paperwork mein phase ho.
3 steps. 60 seconds to start.
Share details
Members, ages, city — 60 seconds.
Compare plans
Premium, room-rent cap, waiting period, claim ratio — side by side.
Buy or talk to advisor
Online buy karo ya advisor se samjho. No push.
Free Health Quote — 60 Seconds
Advisor aapko comparison bhejega — premium, network hospitals near you, aur fine print in simple words.
- Room-rent caps, co-pay and sub-limits flagged upfront
- Pre-existing disease waiting periods explained
- Free claim assistance for the life of the policy
FinPick vs going direct vs a single-company agent
Same premium. More choice, clearer advice, and someone on your side at claim time.
| Insurer website (direct) | Single-company agent | FinPick Recommended | |
|---|---|---|---|
| Plans compared | 1 insurer | 1 insurer | insurers |
| Premium comparison | No | No | Side-by-side |
| Network hospitals near you checked | Self-search | Varies | Before you buy |
| Claim settlement ratio shown | Buried | Rarely | Every insurer |
| Pre-existing disease advice | No | Varies | Disclosure + waiting period |
| Room-rent / co-pay traps flagged | Fine print | Varies | Upfront |
| Annual check-up & renewal reminders | Varies | WhatsApp + call |
Claim time pe hum saath hain
Selling a policy is easy. FinPick's job really starts when you file a claim.
- Every insurer's latest claim settlement ratio shown before you pick
- Cashless pre-authorisation guidance at the hospital desk
- Reimbursement documents checked before submission
- in claims assisted so far
Section 80D: deduction up to ₹75,000/year
Self, spouse & kids up to ₹25,000 + parents up to ₹50,000 if they're senior citizens. Up to ₹1,00,000 if you're also 60+. Available under the old tax regime.
Families who picked smart
Health insurance — seedhe jawaab
Pre-existing disease (diabetes, BP) cover hota hai?
Haan. Most plans pre-existing diseases cover karte hain after a waiting period — IRDAI rules ke under maximum 3 saal. Kuch plans extra premium pe ise kam karte hain. Honest disclosure zaroori hai.
Cashless claim kaise hota hai?
Insurer ke network hospital mein admission ke time TPA/insurance desk pe health card dikhao. Hospital pre-authorisation bhejta hai, approve hone pe bill seedha insurer settle karta hai (non-payables chhod ke).
Family floater ya individual — kya better hai?
Young family (sab 45 se kam) ke liye floater sasta aur practical hai. Parents 60+ ko floater mein daalna premium badhata hai — unke liye alag senior citizen plan better hota hai.
Claim reject kyun hoti hai?
Common reasons: pre-existing condition hide karna, waiting period mein claim, policy exclusions, ya documents incomplete. FinPick buy karte waqt hi ye check karta hai.
Mere city ke hospitals network mein hain?
Har insurer ki network list alag hai. Quote ke saath hum aapke area ke hospitals check karke batate hain.
Medical check-up zaroori hai?
Age, cover aur insurer pe depend karta hai. Usually 45–50 ke upar ya bade cover pe check-up hota hai — aksar insurer ke kharche pe.
Family ka health cover, sahi tarike se.
60 seconds mein compare karo — ya seedha WhatsApp pe advisor se baat karo.