Individual
A separate sum insured for each person.
Health Insurance
Health cover your family can actually use
Compare individual, family floater, senior citizen and top-up plans across insurers — and get help when you claim. Apni family ko secure karein.
Explained simply
What is health insurance?
Health insurance pays for covered medical expenses — usually hospitalisation — in exchange for a premium. What is covered, how much is paid and under which conditions are all set out in the policy.
A good plan balances sum insured, waiting periods, room-rent limits and network hospitals. We help you read these before you buy, not after a claim.
At a glance
- Cashless treatment at network hospitals
- Waiting periods and exclusions vary by plan
- Renewal and portability rules apply
Plans & options
Types of health plans
Family floater
One sum insured shared by the whole family.
Senior citizen
Plans designed for parents and older members, with relevant conditions.
Top-up / super top-up
Extra cover above a deductible at a lower premium.
Critical illness
Lump-sum benefit on diagnosis of specified illnesses.
Benefits
What to look for in a plan
Tax statements are as per prevailing tax laws and subject to conditions.
Hospitalisation cover
Room, treatment and related charges as per policy.
Waiting periods
Know when pre-existing conditions become covered.
Sub-limits & co-pay
Understand what you may pay from your own pocket.
Renewability & portability
Long-term renewability and switch options.
Cashless network
Hospitals near Badlapur, Thane and Mumbai in the network.
Possible tax benefit
Premiums may qualify under Section 80D, as per prevailing tax laws.
Free calculator
Health cover estimator
A rule-of-thumb view of how much cover to consider.
Who should consider it
Is this right for you?
- Young families
- Parents & senior citizens
- Salaried (with limited employer cover)
- Self-employed
- Newly married couples
How we help
How we help — including at claim time
- 1
Understand your family
Ages, health history and hospital preferences.
- 2
Compare plans
Side-by-side on cover, waiting periods, limits and network.
- 3
Buy & get documents
Proposal help, disclosure guidance and policy delivery.
- 4
Claim & renewal support
Help with cashless intimation, documents and renewal reminders.
Compare
Individual vs family floater
| Individual | Family floater | |
|---|---|---|
| Sum insured | Separate for each member | Shared by all members |
| Premium | Usually higher in total | Usually lower for young families |
| Best for | Parents / older members | Young families with children |
| Watch out | Higher total premium | One large claim can use up the shared cover |
FAQs
Health Insurance: common questions
Does health insurance cover every medical expense?
No. Policies cover specified expenses subject to limits, conditions and exclusions. Some consumables and non-medical items may not be payable.
Should I choose individual or family floater?
It depends on family size, ages and health profile. We compare both for your situation.
What if I do not disclose a pre-existing condition?
Non-disclosure can lead to claim rejection or cancellation as per policy terms. Always disclose accurately — we help you fill the proposal correctly.
Can I port my policy to another insurer?
Portability is allowed under regulatory rules, subject to timelines and conditions. We help you evaluate whether it makes sense.
What is the difference between top-up and super top-up?
A top-up pays when a single claim crosses the deductible; a super top-up pays when total claims in the year cross it. We explain which suits you.
Do you help with claims?
Yes. We help with intimation, documentation and follow-up with the insurer. Claim decisions rest with the insurer as per policy terms.
Free consultation
Get free guidance on health insurance
Tell us a little about yourself. We will call you back to understand your goals — no pressure, no jargon.
- Call us+91 88288 99979
- Message usWhatsApp Enquiry
- Emailsupport@nivaraedge.com
- Visit01, Building No. 80, Poddar Samruddhi Evergreen, Badlapur East, Thane – 421503, Maharashtra, India
- Office hours
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