How much cover
Hospital costs decide your cover, not your salary.
One ICU stay in a city hospital can cost several lakhs. We set your cover on what treatment costs where you live.
Hospital bills don’t ask what you earn.
Health insurance
Health cover you can actually claim on.
A policy is only worth the claim it pays. We read the waiting periods, sub-limits and room-rent rules before we look at the price — that’s where cover quietly fails.
Star Health · Care Health · Insurance is the subject matter of solicitation
Key ideas
What decides whether a claim gets paid.
What we offer
Cover shaped to who is being covered.
The right plan changes with age, city and family stage. A floater that suits a young couple is the wrong answer for elderly parents.
Individual
For one person — usually a young earner with no dependants yet.
Family floater
One cover amount shared by the family. Good value while children are young.
Senior citizen
Separate policies for parents. Waiting periods and co-pay matter more than price here.
Comprehensive
Higher cover that refills after a claim — for city families where one stay can use up a small cover.
Corporate group
For business owners covering employees — usually cheaper per person than individual policies.
Student travel
For children studying abroad, where university cover is often worse value than an Indian policy.
What we check
Five rules that decide whether a claim pays.
- 1
Room-rent limit
A 1% limit on ₹5 lakh cover means a ₹5,000 room. Go above it and the whole bill is cut in proportion.
- 2
Waiting for existing illness
Two to four years, depending on the insurer. If you have a condition today, this matters most.
- 3
Sub-limits and co-pay
Caps on some treatments, or a fixed share you always pay. Common in senior plans and easy to miss.
- 4
Restore and bonus
Whether the cover refills after a claim, and how it grows in the years you don’t claim.
- 5
Hospitals near you
Cashless only helps if the hospitals you would actually go to are in the network.
Insurance partners
Who we place cover with.
Two health insurers, compared on what they exclude and how they settle claims — never on which pays us more.
SH
Star Health InsuranceIndividual · floater · senior citizen · group
CH
Care Health InsuranceIndividual · floater · senior citizen · group
Insurance is the subject matter of solicitation. Cover, exclusions, waiting periods and premiums are set by the insurer.
SIR Financial Services app
Your health cover, in your pocket.
See your family’s health policies alongside your investments: the cover, the top-up, the waiting periods and the renewal date — ready when a hospital asks.
- Base cover and super top-up on one screen
- Waiting periods and room-rent terms at a glance
- Renewal reminders, so cover never breaks
Rated 4.9 ★ by 81 people on Google Play · 1,000+ installs
Or scan the code for your phone
Questions
The things people actually ask.
Is my employer’s cover enough?
Rarely — and it stops the day the job does, often when it’s hardest to buy new cover. Treat it as extra on top of a policy you own.
Should my parents be on our floater?
Usually not. A floater shares one cover amount, and older parents claim more often. Separate senior-citizen policies almost always work out better.
What if I already have a condition?
Declare it — every one. The waiting period is manageable; a claim rejected for hiding something is not.
Can I move (port) my existing policy?
Yes. If you port at renewal within the allowed window, you keep the waiting-period credit you have built up. We handle the paperwork.
Section 80D. Up to ₹25,000 for yourself and your family, and a further ₹50,000 for senior-citizen parents. One of the few deductions we push clients to use in full.
Start with a free 30-minute call.
No fee and no obligation. We look at what you have and tell you plainly what we would change.
We never hold your money. Payments go straight to the fund house.
Insurance is the subject matter of solicitation. Cover, exclusions, waiting periods and premiums are set by the insurer.