Health

Health cover should do two jobs: pay the hospital now, and not become unusable next year because of capping or exclusions. We shortlist only after reading waiting periods — 2 years for specific illnesses, 3–4 for pre-existing — and sub-limits. No room-rent cap means you choose the room, not the insurer's table. Restore means if one hospitalisation exhausts the sum insured, it refills for the next, unrelated one the same year.

We prefer family floaters for nuclear families (one sum shared) and separate senior covers after 60 where co-pay is explicit rather than hidden. Cashless is about hospital relationships — our two partners cover 14,000+ hospitals with in-house desks in Bengaluru's top 12.