Health Cover for You and Your Family
Understand health insurance options, policy terms and claim basics with clear, personalised guidance.
Understanding Health Insurance
What is health insurance?
Health insurance helps pay for eligible medical expenses, such as hospitalisation, as per the policy terms.
What does it typically cover?
In-patient hospitalisation, pre- and post-hospitalisation expenses and day-care procedures, depending on the plan.
Waiting periods & exclusions
Most plans have initial waiting periods, waiting periods for pre-existing conditions and specific exclusions. Reading these is important.
Claims
Claims can be cashless at network hospitals or by reimbursement, subject to policy terms and insurer approval.
Key Features & Plan Types
Availability of each option is subject to insurer and policy terms.
Individual plans
Cover dedicated to one person.
Family floater
A shared sum insured for family members.
Senior citizen plans
Plans designed for older family members.
Top-up / super top-up
Additional cover above a deductible.
Critical illness
Benefit on diagnosis of specified illnesses, as per policy.
Cashless network
Treatment at network hospitals with direct settlement, subject to approval.
Typical Eligibility
Factors usually considered:
- Age of members
- Pre-existing medical conditions
- Sum insured selected
- Plan type and add-ons
- City of residence
- Lifestyle habits
Eligibility, coverage and premiums may vary depending on the insurer, plan selected, applicant profile, health or asset details and other applicable factors.
Documents Typically Required
Basic KYC
- Identity proof (Aadhaar, passport, voter ID, etc.)
- Address proof
- PAN card
- Recent passport-size photographs
Other details
- Member details and dates of birth
- Medical history / reports, if requested
- Previous policy details for portability
Additional documents may be requested by the respective insurer based on the applicant and transaction.
How the Process Works
- 01
Share Your Requirement
Tell us what you need through the form, WhatsApp or a call.
- 02
Profile & Document Review
We understand your profile and review the documents.
- 03
Explore Suitable Options
We help you compare suitable plans from insurers.
- 04
Proposal & Insurer Coordination
We assist with the proposal and coordinate with the insurer.
- 05
Policy Issuance
As per the insurer's underwriting and process.
Guidance You Can Rely On
Personalised Guidance
Advice shaped around your situation.
Multiple Financial Solutions
Loans and insurance under one roof.
Transparent Communication
Clear updates, no hidden surprises.
End-to-End Assistance
Support from enquiry to completion.
Insurer Coordination
We follow up so you don't have to.
Health Insurance — Frequently Asked Questions
What is a waiting period?
A period during which certain illnesses or conditions are not covered. It varies by plan.
Are pre-existing conditions covered?
Usually after a specified waiting period, as per policy terms.
What is cashless treatment?
The insurer settles eligible bills directly with a network hospital, subject to approval.
Individual or family floater?
It depends on family size, ages and needs. We can help compare the approaches.
Can I port my existing policy?
Portability is generally available as per regulations and insurer acceptance.
What is not covered?
Each policy lists exclusions; reviewing them before buying is important.
Looking for the Right Health Insurance Solution?
Share your requirement and let our team help you explore suitable options.
Arthmitra Financial Services facilitates financial assistance and acts as an intermediary/channel partner where applicable. Approval, eligibility, interest rates, premiums, terms, documentation and other conditions are subject to the respective financial institution or insurer’s policies.