From your first job to your retirement years — medical cover that grows with you, arranged by advisors who know every insurer's strengths.
Medical insurance today goes far beyond a hospital bed. Modern plans cover robotic surgeries, mental-health treatment, home healthcare, and critical illnesses like cancer and cardiac conditions — if you know which plan to pick.
We build layered protection: a strong base policy, a super top-up that multiplies your cover at minimal cost, and critical-illness riders that pay a lump sum on diagnosis. It's the same structure we use for our own families.
Transparency first — know exactly where you stand before you sign anything.
From the first call to claim settlement — a concierge experience at every step.
We understand your medical history, dependents and existing covers.
Base cover + super top-up + riders — maximum protection per rupee of premium.
We weigh claim-settlement ratios, network hospitals near you and renewal history.
Every renewal we re-check the market so your cover never falls behind inflation.
What clients say on Google about our medical 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.”
A super top-up covers expenses above a threshold (deductible) across the whole year. Pairing a ₹5 lakh base plan with a ₹20 lakh super top-up can cost far less than a single ₹25 lakh policy — it's the smartest upgrade most families never hear about.
Yes. Medical insurance reimburses hospital bills; critical-illness cover pays a fixed lump sum on diagnosis of listed conditions like cancer, stroke or kidney failure — money you can use for recovery, income loss or lifestyle changes.
Health insurance premiums in India do not increase because you claimed — they rise with age bands and medical inflation. Some plans even restore your sum insured after a claim at no cost.
You can add parents to a family floater, but it's usually wiser to buy them a separate senior-citizen policy so their claims don't exhaust the floater. We'll calculate both options for you transparently.
Accidental hospitalization is covered from day one. Illnesses have a 30-day initial wait, and specific conditions carry 1–4 year waiting periods. We help you plan purchases so waiting periods finish before you're likely to need care.
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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