A single hospitalisation can wipe out years of savings — medical costs in India are rising over 10% every year. Health insurance protects your family with cashless treatment at network hospitals, coverage for pre- and post-hospitalisation expenses, and tax savings under Section 80D.
As insurance advisors, we compare plans from India's top insurers and recommend what genuinely fits your family and budget — the right sum insured, minimal waiting periods, no-claim bonuses and add-ons that matter. And when you need to claim, we stand with you through the entire process.
Who Needs Health Insurance?
- Families seeking a floater policy
- Parents buying cover for senior citizens
- Young professionals starting early for lower premiums
- Self-employed people without employer cover
- Anyone whose employer cover is insufficient
Why Choose Advika Enterprises for Health Insurance
- Unbiased comparison across top insurance companies
- Cashless treatment at thousands of network hospitals
- Right sum insured advice — not over-sold, not under-covered
- Tax deduction up to ₹75,000 under Section 80D
- Full claim assistance: intimation, documents and follow-up
- Free annual policy review and renewal reminders
Documents Required
- Aadhaar & PAN
- Photograph
- Age proof of members to be insured
- Existing medical records (if any pre-existing disease)
- Previous policy copy (for porting)
📱 Just send photos of your documents on WhatsApp — our team verifies everything before filing.
How It Works — Our Simple Process
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1
Needs Assessment
We understand your family size, ages, medical history and budget.
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2
Compare & Recommend
You get a clear comparison of 2–3 best-fit plans with honest pros and cons.
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3
Policy Issued
We complete the proposal, medicals (if required) and deliver your policy.
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4
Lifetime Support
Claims, renewals, portability and upgrades — one call and we handle it.
Ready to get started with Health Insurance?
Free consultation • Transparent pricing • Expert handled
Frequently Asked Questions — Health Insurance
How much health cover do I need?
For a family in a metro city, a minimum ₹10 lakh floater is generally advisable given current hospital costs. We tailor this to your city, ages and budget.
Are pre-existing diseases covered?
Yes, after a waiting period of typically 2–4 years depending on the insurer and plan. Some plans offer reduced waiting periods — we help you find them.
Is cashless really cashless?
At network hospitals, the insurer settles bills directly, subject to policy terms. Non-payable items and co-pay (if any) are explained by us before you buy — no surprises.
Can I port my existing policy without losing benefits?
Yes, health insurance portability lets you switch insurers while retaining waiting-period credits. We manage the porting timeline and paperwork.