Health Insurance
Protect your family with the right health insurance plan.
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Talk to an experienced advisor about health insurance.
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What is Health Insurance?
Healthcare costs across India have risen sharply over the past decade, with a single hospitalisation at a private hospital in areas like Indiranagar, Koramangala, or Jayanagar potentially costing ₹2–10 lakh or more depending on the procedure. A comprehensive health insurance plan is no longer optional — it is a financial necessity for every individual and family. At Right Assets Management, our IRDAI-compliant advisors help you compare plans from leading insurers like Star Health, Niva Bupa, HDFC Ergo, and ICICI Lombard, and select the right coverage for your specific needs. We evaluate plans on critical parameters — sum insured adequacy, room rent limits, sub-limits, co-payment clauses, network hospitals, and claim settlement ratios — so you are never caught off-guard at the time of a claim. We also help working professionals assess whether their employer-provided group health insurance is sufficient, and recommend individual or family floater top-up plans to bridge any coverage gaps. Premium paid for health insurance qualifies for tax deduction under Section 80D of the Income Tax Act — up to ₹25,000 for self and family, and an additional ₹25,000 for parents (₹50,000 if parents are senior citizens).
Who Is This For?
- Families across India seeking comprehensive health coverage that includes all members under a single floater plan
- Salaried professionals wanting to supplement inadequate employer-provided group health insurance
- Senior citizens and their adult children looking for plans with OPD, pre-existing disease coverage, and no-claim bonuses
- Self-employed individuals and freelancers who have no employer health benefit and need individual cover
- Parents wanting maternity and newborn coverage as they plan to start or expand their family
- Individuals with pre-existing conditions like diabetes or hypertension needing plans with short waiting periods
How We Help — Step by Step
Needs Assessment
We understand your family size, age, medical history, existing coverage (if any), and budget to identify the ideal sum insured and plan type.
Plan Comparison
We compare plans from 10+ IRDAI-regulated insurers on critical parameters: sum insured, room rent limits, network hospitals across India, claim settlement ratio, and exclusions.
Recommendation & Explanation
We present a shortlist of 2–3 plans with a clear explanation of features, limitations, and our recommendation — no jargon, no pressure.
Application & Documentation
We help you complete the proposal form accurately, compile the required medical and identity documents, and submit the application to the insurer.
Medical Check Coordination
For plans requiring pre-insurance medical check-ups, we coordinate with the insurer's empanelled diagnostic centres near your location across India.
Policy Issuance & Review
Once the policy is issued, we review the policy document with you to ensure all details are correct and you understand your coverage fully.
Annual Renewal & Claims Support
We remind you of renewals, assist with portability if a better plan is available, and support you through the claims process when needed.
Why Choose Right Assets for Health Insurance?
- Compare plans across 10+ insurers objectively — no insurer bias or commission-driven recommendations
- Ensure adequate sum insured (minimum ₹5–10 lakh recommended for India families) to cover real hospitalisation costs
- Avoid costly policy mistakes like sub-limits, co-payment traps, and inadequate network hospital coverage
- Claim tax deduction under Section 80D — up to ₹75,000 per year for self, family, and parents
- Port from a bad insurer to a better plan without losing accumulated no-claim bonus
- Get step-by-step claims assistance — cashless or reimbursement — during an actual medical emergency
- Review your coverage annually to ensure it keeps pace with rising healthcare inflation across India
Documents Required
Frequently Asked Questions
How much health insurance cover is enough for a India family?
Given current private hospital costs across India, we recommend a minimum sum insured of ₹5 lakh for an individual and ₹10–15 lakh for a family of four on a floater basis. A super top-up plan of ₹25–50 lakh on top of a base policy offers excellent coverage at relatively low additional premium.
What is the Section 80D tax benefit on health insurance?
Under Section 80D of the Income Tax Act, you can claim a deduction of up to ₹25,000 per year for premiums paid for yourself, spouse, and children. An additional deduction of up to ₹25,000 is available for your parents' premium (₹50,000 if parents are senior citizens aged 60+), totalling up to ₹75,000 annually.
Can I buy health insurance if I have a pre-existing condition like diabetes?
Yes. Most insurers cover pre-existing conditions after a waiting period of 2–4 years. Some specialised plans have shorter waiting periods. We identify plans with the most favourable terms for your specific medical history, ensuring your condition is covered as early as possible.
What is a family floater plan?
A family floater plan covers all family members under a single sum insured amount, typically at a lower combined premium than buying separate individual policies. The entire sum insured is available for any one family member or shared across multiple claims in a policy year. We assess whether a floater or individual policies are better for your family's profile.
Should I buy health insurance separately if my employer already provides group cover?
Yes, strongly recommended. Employer group cover is typically limited to ₹2–5 lakh and ceases when you change jobs. You cannot guarantee continuous coverage during notice periods or between jobs. An individual policy, started while you are young and healthy, builds continuity, no-claim bonus, and covers you regardless of employment status.
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Talk to our advisors about Health Insurance — no commitment, no sales pressure.
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