Cashless hospital cover across 10,000+ hospitals
Family floater and individual plans with wide hospital networks, high sum insured, and lifetime renewability.
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
Transparent tiers, honest recommendations.
Indicative pricing. Actual quotes depend on requirements 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
From quote to assistance, in 4 simple 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. Standard policy guidelines cover all notified pandemics, including hospitalisation, ICU and consumables.
Protect What Matters Most
Speak with our insurance experts today and receive personalised guidance without any obligation.