Health Insurance
Medical costs are rising every year. We help you pick a health plan with the right cover, sensible terms and a strong claims record - and support you when you need to claim.
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A single hospitalisation can wipe out years of savings. Choosing a health policy, though, is about more than the premium - room-rent limits, co-payments, waiting periods, sub-limits and the insurer's claim-settlement experience all matter. We explain these clearly so there are no surprises when you need the policy most.
The fine print, explained
We compare what really matters at claim time.
- Individual, family floater and senior citizen plans
- Top-up and super top-up for higher cover
- Cashless network and claims assistance
Why it's worth it
From your first conversation to ongoing service, everything is built around your needs.
Savings protected
Hospital bills are paid by the insurer, not your investments.
Cashless treatment
Treatment at network hospitals without paying upfront.
Tax benefits
Premiums may qualify for deduction under Section 80D, as per prevailing laws.
Claims support
Help with documentation and follow-ups when you claim.
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. Still have a question? We're happy to help.
How much health cover do I need?
It depends on your city, family size, age and medical history. For a family in a city like Surat, a floater of ₹10 lakh or more, often boosted with a super top-up, is a common starting point.
What is a waiting period?
The time before certain conditions are covered - typically an initial 30 days, 2–4 years for pre-existing diseases and specified illnesses. It varies by insurer and plan.
Is my employer's group cover enough?
Group cover usually ends when you leave the job and may be too small for a family. A personal policy ensures continuous protection and builds your waiting-period credit.
What is a super top-up?
A super top-up pays once your total medical bills in a year cross a chosen deductible. It's an economical way to raise your total cover.
Can I switch insurers without losing benefits?
Yes. Portability lets you move to another insurer at renewal while retaining credit for waiting periods already served, subject to the new insurer's underwriting.
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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.