One hospitalization should never undo years of savings. We compare plans from India's leading insurers and hand-pick the cover that fits your family, your city and your budget.
Medical inflation in India is rising faster than almost any household expense. A single week in a private hospital can cost more than a family's annual savings — and that is exactly the risk a well-chosen health insurance plan removes from your life.
As independent advisors partnered with insurers like Star Health, Care, Niva Bupa, HDFC ERGO and ICICI Lombard, we are not tied to any single company's products. We compare premiums, room-rent limits, waiting periods and claim-settlement records side by side, then recommend what genuinely suits you — whether you need an individual plan, a family floater or senior-citizen cover.
Transparency first — know exactly where you stand before you sign anything.
From the first call to claim settlement — a concierge experience at every step.
Share ages, medical history, city and budget — it takes five minutes on a call or WhatsApp.
We shortlist 3–4 plans from top insurers with a transparent side-by-side comparison.
From proposal forms to medicals, everything is arranged for you end to end.
At claim time, our team coordinates directly with the hospital and insurer until settlement.
What clients say on Google about our health insurance advisory and claims support.
“My father's angioplasty claim was settled cashless within hours because the Ipsita team coordinated everything with the hospital. This is what real advisory looks like.”
“They compared six health plans for my family and explained every waiting period honestly. Zero pressure, complete clarity. Highly recommended for anyone in Delhi NCR.”
“Ported my old mediclaim to a better insurer without losing waiting-period credits. The comparison sheet they shared was more transparent than any website I've seen.”
For a metro city we typically recommend a minimum of ₹10 lakh family floater, ideally with a super top-up. Hospital costs in Delhi NCR are among the highest in India, and a ₹3–5 lakh cover bought years ago is rarely enough today.
In a cashless claim, the insurer settles the bill directly with a network hospital — you only pay for non-covered items. We help you locate the nearest network hospital and coordinate the pre-authorization so admission is smooth.
Yes. Premiums qualify for deduction under Section 80D — up to ₹25,000 for self and family, and an additional ₹25,000–₹50,000 for parents depending on their age.
Absolutely. Porting lets you carry your waiting-period credits to a new insurer. We review your current policy free of charge and tell you honestly whether porting will actually improve your cover.
Yes, after a waiting period that ranges from 1 to 4 years depending on the plan. We specialize in finding plans with the shortest waiting periods for conditions like diabetes and hypertension.
Share a few details and a certified advisor will call you back within one working hour — with honest comparisons, not sales pressure.
505, 5th Floor, Mansarover Building, Nehru Place, New Delhi – 110019
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