Health Insurance Plans
Health insurance pays for hospitalisation and treatment so a medical emergency doesn't derail your finances. Choose the plan type that fits your family.
ChatGPT
Perplexity
GrokCare for your health and your savings
Health insurance reimburses - or pays directly, at network hospitals - the cost of hospitalisation, day-care procedures and related expenses, up to the sum insured. Plans differ widely on room-rent limits, co-payments, waiting periods, restoration benefits and no-claim bonuses, so comparing features matters as much as comparing premiums.
Plan types
Build the right combination for your family.
- Individual and family floater plans
- Senior citizen and critical illness plans
- Top-up and super top-up policies
Why it's worth it
From your first conversation to ongoing service, everything is built around your needs.
Cashless hospitalisation
Treatment at network hospitals without upfront payment.
Pre & post hospitalisation
Related expenses before and after admission covered, as per policy.
No-claim bonus
Sum insured can increase for claim-free years.
Section 80D
Premiums may qualify for tax deduction, as per prevailing laws.
Simple, transparent, personal
We listen first and understand completely before suggesting anything.
- 1Understand your goals, family situation, time horizon and comfort with risk
- 2Shortlist relevant options as incidental advice and explain them in plain language - costs, risks and all
- 3Take care of KYC, forms and documentation so getting started is hassle-free
- 4Review regularly and stay a phone call away whenever life changes
Frequently asked questions
Quick answers about health insurance plans. Still have a question? We're happy to help.
What is a family floater?
A single sum insured shared by all family members covered under the policy. It's usually cheaper than separate individual policies.
Are pre-existing diseases covered?
Yes, after a waiting period specified in the policy, typically 2–4 years, provided they were disclosed at the time of buying.
What is co-payment?
A percentage of each claim that you pay yourself, with the insurer paying the rest. It's more common in senior citizen plans.
What is a room-rent limit?
A cap on the room charges the insurer will pay per day. Choosing a higher room than allowed can reduce the payout on other expenses proportionately.
Does health insurance cover OPD expenses?
Most standard plans cover hospitalisation only. Some plans or add-ons cover OPD consultations and medicines for an extra premium.
You may also be interested in
Life insurance ensures your family is financially protected if you're not around. Choose from pure protection plans or plans that combine cover with savings.
Car insurance keeps you legally compliant and protects you against accidents, theft and third-party liability. We help you choose the right cover and add-ons.
Mutual funds give you professionally managed, diversified exposure to equities, bonds, gold and more - with as little as a few hundred rupees a month.
All our products
Insurance is the subject matter of solicitation. Please read the policy wording, terms, conditions, sales brochure and exclusions carefully before concluding a sale. Fortunate Investments acts only as a distributor and does not underwrite any risk.
Need help choosing the right option?
Talk to us - we'll understand your needs and explain your options in plain language.