the safety net you meant to set up.
Comprehensive coverage. Cashless hospitalization. Family floater, top-ups, super top-ups. Eleven insurers on panel — picked based on who's in your household, not what pays the highest commission. Plus a free policy review for the cover you already have.
four ages. one floater.
A good health policy isn't one-size-fits-all. The right cover for a five-year-old is different from the right cover for a 65-year-old parent. Here's how we size it for each age segment in your household — directly from how the insurers structure their plans.
Paediatric cover, vaccination ride-along, day-care procedures. Usually built into a family floater so one parent's cover umbrella protects the whole household. Maternity newborn cover (typically 90-day waiting) for new parents.
Comprehensive base plan + critical illness add-on. Maternity if planned in the next 2-4 years (2-year waiting period is standard). Top-up or super top-up if your corporate cover is <₹10L. Pre-existing waiting period is shortest here — buy before you need it.
Base + top-up + critical illness front-loaded. Premiums start climbing fast after 45. This is the age where a super top-up (kicks in above a threshold) makes more sense than buying a higher base. We re-shop your existing policy at renewal.
Senior-specific plans with day-care procedures, fewer co-pays, and shorter pre-existing waiting periods. Some insurers have age-65 entry caps — we know which ones still write policies past 65 and at what premium.
the policy review nobody offers free.
Most health policies are bought via online aggregator or pushed by employer broker. They're rarely re-read after year one. Half the policies we see have wrong cover sizes, wrong waiting period structure, or hospitals the family doesn't actually go to.
We size cover based on what your actual hospital bill could be — Lilavati, Kokilaben, Hinduja, Jaslok — not a 60-second online form. A Bandra family's number is different from a Borivali family's.
Already have a policy? We'll read it line by line, free. Often the cover is too low (₹3L for a Mumbai family is useless), waiting periods are mis-set, or the hospital network doesn't include where you'd actually go.
Cashless only works if your preferred hospital is on the insurer's network. We check before the policy is bought — not at 2 AM in the ER. We also flag insurers with consistently lower claim settlement ratios.
Health insurance products are offered through funds to wealth., with Archita as a Point of Sales Person (POSP) of D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed insurance broker. Archita Ritesh Gattani is the public-facing distributor. The actual policy contract is between you and the chosen insurer (Star Health, HDFC Ergo, ICICI Lombard, Niva Bupa, Care, Aditya Birla Health, TATA AIG, Reliance Health, Bajaj Allianz, Manipal Cigna, SBI General, or other panel insurer).
Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Cashless hospitalisation is subject to the network hospital list of the chosen insurer and may change. Pre-existing disease waiting periods, room rent caps, sub-limits, and co-payment clauses vary by plan.
questions, answered.
If yours isn't here, ask on the call. We answer in plain English.
Cashless vs reimbursement — what's actually the difference?
Cashless: the hospital bills the insurer directly, you don't pay upfront. Works only at network hospitals. Reimbursement: you pay first, then claim back. Works anywhere but ties up money for 30-90 days. We always check that your preferred hospitals are on the insurer's cashless network before recommending a policy.
What's a "pre-existing disease waiting period"?
Most policies don't cover diabetes, hypertension, asthma, etc., for the first 2-4 years after you buy. Some insurers offer plans with shorter waiting periods (1-2 years) at slightly higher premium. If you have pre-existing conditions, buying early matters — the clock starts ticking from the policy issue date.
Family floater vs individual cover?
Family floater: one sum insured shared across all members. Cheaper, but if one member uses a big chunk, others have less left. Individual: each member has their own cover. More expensive, but full sum insured per person. For families with elderly parents or young kids, we usually recommend a base floater + individual top-ups.
Top-up vs super top-up?
Top-up: kicks in for any single claim above a threshold. Super top-up: kicks in based on cumulative claims in a year. Super top-up is almost always better value — cheaper premium for similar protection. Useful when your base cover (often via employer) is ₹3-5L and you want to extend to ₹15-25L.
Hospital network — how do I check?
Each insurer maintains a network list (usually 5,000-10,000 hospitals across India). Before we recommend a policy, we check that hospitals you'd actually use (Lilavati, Kokilaben, Hinduja, etc. in Mumbai; and any specific hospital in your hometown if you visit often) are on the network.
What's claim settlement ratio and why does it matter?
It's the % of claims paid out vs received. IRDAI publishes this annually. Higher = better. We track this for each insurer on our panel and avoid recommending insurers with consistently low ratios. Star, ICICI Lombard, Niva Bupa, and Care typically rank well; some others have lower ratios.
let's size your health cover.
A 30-minute call. We'll size the cover for everyone in the household, audit any existing policy (free policy review), and pick the insurer whose network actually matches where you'd go.
got it. archita will call you.
Usually within 12 minutes during Mumbai work hours.
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