Care Health
Care Plus
₹12,748/yr · ₹10 L cover
- Claim ratio
- 95.2%
- Room rent
- No cap
- Co-pay
- 0%
- Unlimited restore
- No room-rent cap
- Day 1 cover for 30+ diseases
Health insurance
Cover that pays at the hospital, not after.
₹1 Cr family floater from ₹493/mo. Cashless at 12,000+ hospitals. We compare every clause that matters — room-rent caps, co-pays, sub-limits — so you don't discover them at discharge.
12,000+
Cashless hospitals
94%
Claims settled first-pass
2 min
To compare 18 insurers
Sub-products
Pick the right shape of cover.
Health insurance isn't one product. Here are the five shapes we compare — each solves a different job.
Individual
Dedicated cover for one person.
Best for singles under 35
from ₹623/mo
Most boughtFamily floater
One plan shared across the whole family.
Most popular for couples + kids
from ₹493/mo
Senior citizen
Tailored for parents over 60.
Pre-existing covered from day 31
from ₹1,847/mo
OPD + wellness
Dentist, labs, pharmacy, teleconsults.
For everyday out-patient spending
from ₹218/mo
Critical illness
Lumpsum on diagnosis — cancer, heart, stroke.
Top-up for your existing cover
from ₹147/mo
Top picks
Featured family floater plans.
Three standouts for a family of 4 in Bengaluru · ₹10 L cover · eldest 36 yrs. Prices recomputed live when you run a quote.
Best value
Star Health
Family Health Optima
₹14,840/yr · ₹10 L cover
- Claim ratio
- 92.5%
- Room rent
- Single private
- Co-pay
- 0%
- Automatic 3× recharge
- Newborn covered day 1
- 30-day free look
Niva Bupa
ReAssure 2.0
₹16,200/yr · ₹15 L cover
- Claim ratio
- 96.1%
- Room rent
- No cap
- Co-pay
- 0%
- Lock-in of age & premium
- Unlimited restore
- International cover
Common questions.
What is a family floater?
A single policy with one sum insured that every listed family member can draw from. Cheaper per head than individual plans.
How does the room-rent cap affect my claim?
If you pick a room more expensive than the cap, every other charge (tests, consultations, procedures) gets proportionally reduced. We compare this at quote time.
When does pre-existing cover kick in?
Typically 24 to 48 months after purchase. A few plans offer day-1 cover for an extra premium — we flag those.
Can I claim cashless at any hospital?
Only at network hospitals. Outside the network it's reimbursement — pay first, claim later.
Ready to find the right cover?
2 minutes of questions, 24 plans, prices from every major insurer. No spam calls.
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