Personal insurance
Health Insurance
Protection against hospitalisation costs for you and your family — chosen with a clear view of limits, waiting periods and exclusions.
Who is it for?
Is health cover right for you?
- Individuals who want cover beyond an employer's group policy
- Families choosing between individual and family floater plans
- Parents and senior citizens who need age-appropriate cover
- Anyone porting or reviewing an existing health policy
What does it help protect?
The risk, in plain English
A single hospital stay can disrupt years of savings. Health insurance is designed to pay for covered hospitalisation and related medical expenses, either directly to a network hospital (cashless) or by reimbursing you, subject to the policy terms.
The right policy depends on who is covered, their ages and health history, the hospitals you prefer and how much risk you are comfortable carrying yourself.
Key cover areas
What a policy typically includes
Cover differs between insurers and plans. These are the areas we walk you through — the policy wording always decides.
In-patient hospitalisation
Room, nursing, doctor fees, medicines and procedures during a covered hospital stay.
Pre- and post-hospitalisation
Related consultations, diagnostics and medicines for a defined number of days before and after admission.
Day-care procedures
Treatments that need less than 24 hours of admission because of modern medical technology.
Cashless network access
Treatment at network hospitals with direct settlement, subject to pre-authorisation.
Optional add-ons
Depending on the plan, options such as restoration of sum insured, maternity or critical illness benefits.
What to check
Read this before comparing premiums
The cheapest policy is rarely the one that serves you best at claim time. These are the terms we always check with you.
- Waiting periods
- Initial waiting period, specific-illness waiting periods and the waiting period for pre-existing conditions.
- Room rent and sub-limits
- Caps on room category or specific treatments can reduce what is paid on the entire bill.
- Co-payment and deductibles
- The share of each claim you pay yourself, common in senior-citizen plans.
- Exclusions
- Treatments and situations the policy will not pay for. Read these before you compare premiums.
- Disclosure
- Declare existing conditions and habits honestly on the proposal form. Non-disclosure can affect claims.
- Network hospitals
- Whether the hospitals you are likely to use are in the insurer's cashless network.
How Finmirai helps
Advice before you buy. Support after you do.
As your broker, our job is to understand your need, explain options honestly and stay with you for servicing and claims.
- Listen first: we understand your family, health, assets and budget before discussing any plan.
- Explain options in plain language, including what is not covered.
- Help you compare suitable options and complete the proposal and documentation correctly.
- Remind you ahead of renewals and help with changes during the policy year.
- Guide you through the claims process and the documents the insurer will ask for.
How it works
- 1
Tell us
Share your requirement by form, call or WhatsApp.
- 2
Understand your need
We ask the questions that shape the right cover.
- 3
Compare options
We identify suitable options and explain the differences.
- 4
You choose
You decide, with clarity on cover, exclusions and cost.
- 5
Policy issued
We help with proposal, documentation and issuance.
- 6
Ongoing service
Renewals, changes and claims guidance through the year.
FAQs
Health Insurance: common questions
Should I choose an individual plan or a family floater?
A floater shares one sum insured across family members and often suits younger families. Individual plans give each person their own cover and may suit families with older members or higher health risks. We look at ages, health history and budget before suggesting either.
Is my employer's group health cover enough?
Group cover usually ends when you leave the job and may have limits that don't fit your family. Many people keep a personal policy alongside group cover so protection continues regardless of employment.
What is a pre-existing disease waiting period?
It is the period after you buy a policy during which claims related to declared pre-existing conditions are not paid. The length varies by product, so we show you this clearly when comparing options.
What is the difference between cashless and reimbursement claims?
In a cashless claim the insurer settles the bill directly with a network hospital after approval. In a reimbursement claim you pay first and submit documents to the insurer. Both are subject to policy terms.
Can I move my existing policy to another insurer?
Health insurance portability lets you move to another insurer at renewal while carrying forward certain continuity benefits, subject to the new insurer's underwriting. Start the process well before your renewal date.
Does Finmirai decide whether my claim is paid?
No. Claim assessment and settlement are done by the insurer under the policy terms. Finmirai helps you understand the process, prepare documents and follow up.
Get insurance assistance
Talk to us about health cover
Share a few details and an advisor will contact you. There's no obligation to buy.
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