All Health Insurance Plans

A waiting period is the time you must wait before certain benefits become active. Initial waiting period is usually 30 days. Pre-existing diseases typically have a 2–4 year waiting period. Some plans like our Sampoorna Elite offer zero waiting period for pre-existing conditions.

With cashless claims, you get admitted at a network hospital, show your insurance card, and the insurer pays the hospital directly. You only pay for non-covered items. No upfront payment, no reimbursement hassle. Our partner insurers have 8,000–14,000+ cashless hospitals across India.

Yes, after the waiting period (usually 2–4 years). Some premium plans cover pre-existing conditions from Day 1. Disclose all conditions honestly at the time of purchase — non-disclosure can lead to claim rejection. Our AI Finder filters plans based on your specific conditions.

A family floater plan covers all family members under a single sum insured. For example, a ₹15 lakh floater can be used by any family member — up to ₹15 lakh total in a year. It's more affordable than buying separate plans. Best for families where not everyone falls ill in the same year.

Yes! Under Section 80D of the Income Tax Act: you can claim up to ₹25,000 for self/spouse/children premiums, and an additional ₹25,000 for parents (₹50,000 if parents are senior citizens). This means total deductions of up to ₹75,000 per year — saving you thousands in taxes.