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 have risen sharply over the past decade, with a single hospitalisation at a private hospital potentially costing several lakhs 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. Health insurance premiums may also qualify for tax benefits as per prevailing tax laws.
Who Is This For?
- Families 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, 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.
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 to cover real hospitalisation costs for your family
- Avoid costly policy mistakes like sub-limits, co-payment traps, and inadequate network hospital coverage
- 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
Documents Required
Frequently Asked Questions
How much health insurance cover is enough for a family?
Given current private hospital costs, 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.
Are there tax benefits on health insurance premiums?
Health insurance premiums may qualify for tax deductions under prevailing income tax laws, with the exact benefit depending on your situation, the persons covered, and the tax regime you opt for. Since tax rules change from time to time, we advise you on the currently applicable benefits during your consultation.
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.
Book a Consultation
Talk to our advisors about Health Insurance — no commitment, no sales pressure.