Your savings are meant for dreams, not hospitals.Health insurance in Rajula for your whole family.

For a young couple with children, a family floater is often simpler and cheaper. If someone is older or has an illness, a separate policy for them can protect the rest of the family’s cover. Many families use both: a floater for the young ones and separate cover for parents.

In a cashless claim, you are treated at a network hospital and the insurer or TPA pays the hospital directly for approved costs. In a reimbursement claim, you pay first and claim the money back with the original bills. Our cashless claim guide explains both.

Usually not. Most policies have an initial waiting period after you first buy, a longer one for illnesses you already have, and waiting periods for some named treatments. The length differs from policy to policy, so check the policy wording. Declare every existing illness honestly at the start.

A room rent limit caps what the policy pays per day for your room; if you take a costlier room, other bills may also be cut in proportion. Co-pay means you pay a fixed share of every claim. Sub-limits cap what is paid for certain treatments. Fewer limits usually mean a higher premium, so we help you find the right balance.

A top-up pays once a single claim crosses a set amount, called the deductible. A super top-up counts all your claims in the year together against that amount. Both are low-cost ways to raise your cover above your base policy.

Get them a separate policy, as early as you can. Expect medical tests, waiting periods for existing illnesses and sometimes a co-pay. Read our guide on health insurance for parents, or bring their reports to our Rajula office and our team will go through the options with you.