Cashless hospital cover across 10,000+ hospitals
Family floater and individual plans with wide hospital networks, high sum insured, and lifetime renewability.
Overview
Why choose PolicyFacts for health insurance?
One hospital bill can undo a decade of savings. A modern health policy caps that risk at your annual premium — so surgery, ICU or a difficult delivery becomes a medical decision, not a financial one. We build cover that scales with age, family size and city-tier hospital rates.
- Family floater up to ₹1 Cr sum insured
- Zero waiting on maternity & pre-existing options
- Room-rent freedom, no sub-limits
- Dedicated claim manager available 24×7
What's covered
Every detail that matters, handled.
Features we insist on before recommending any health insurance plan.
10,000+ cashless hospitals
Show your card, walk in, walk out — no paperwork, no reimbursement waits.
Family floater
One policy covers you, spouse, kids and parents up to ₹1 Cr sum insured.
Maternity & newborn
Delivery, C-section and first 90-day baby cover from day one on select plans.
Pre & post hospitalisation
60 days before and 180 days after — tests, consultations and pharmacy included.
OPD & wellness
Annual health checks, dental, teleconsults and gym reimbursements on premium plans.
Restore benefit
Sum insured refills automatically if a big claim empties it during the policy year.
Plans
Three tiers, one honest recommendation.
Indicative pricing. Actual quotes depend on age, city and profile — we'll walk you through it in a 15-minute call.
Starter Care
For young singles.
from ₹649 /mo
- ₹5 L individual cover
- 1200+ day-care procedures
- No room-rent cap
- Annual health check
Family Floater
Best for families of 4.
from ₹1,299 /mo
- ₹25 L floater cover
- Zero co-pay under 60
- Maternity + newborn
- Restore + unlimited restore
Senior Elite
For parents 55+.
from ₹2,499 /mo
- ₹50 L–₹1 Cr cover
- Pre-existing from day 1
- Home healthcare
- Global emergency cover
The process
From quote to claim, in four steps.
No hidden calls, no pushy sales. A calm, senior advisor walks you through every stage.
Health profile
Age, existing conditions and city — no invasive questions upfront.
Plan comparison
We match you to 3 best-fit plans based on hospitals near you.
Cashless card in 2 days
Digital card on WhatsApp; physical copy couriered.
Claim handling
We coordinate directly with the hospital TPA — you focus on getting better.
Common questions
Answers before you have to ask.
Still have questions? A senior advisor will call you back within the hour, on your preferred number.
Request a callbackWhat sum insured should I pick?
In metros, ₹10 L per adult is a sensible floor; ₹25–50 L is comfortable. For seniors and Tier-1 hospitals, ₹1 Cr with super-top-up is our default recommendation.
Are pre-existing diseases covered?
Yes, most plans cover them after a 2–4 year waiting period. We also offer plans with day-1 pre-existing cover for diabetes and hypertension.
Cashless vs reimbursement?
Cashless — the hospital settles directly with the insurer. Reimbursement is a fallback for non-network hospitals. 92% of our claims run cashless.
Does the policy cover COVID-style pandemics?
Yes. IRDAI mandates cover for all notified pandemics, including hospitalisation, ICU and consumables.
Ready when you are
Not sure which policy is right for you?
Book a 15-minute call with a certified advisor. No sales pitch — just a clear plan and honest numbers, in plain English.