Health Insurance

Don't Let a Medical Bill
Destroy Your Savings

Cashless hospitalisation at 10,000+ hospitals. We compare 20+ insurers to find you the best health cover for your family.

Health insurance family protection
Why Health Insurance?

One Hospital Stay Can
Wipe Out Years of Savings

A 5-day ICU stay in Surat costs ₹3–8 lakhs. Without insurance, that comes from your savings. With the right policy, it costs you ₹0.

  • Cashless treatment at 10,000+ network hospitals
  • Pre & post hospitalisation expenses covered
  • Critical illness lump sum payout
  • Tax benefit under Section 80D — up to ₹75,000/year
  • No-claim bonus up to 100% sum insured increase
Doctor consulting patient India
Health Plans

Find the Right Plan
for Your Family

Individual, family floater, or senior citizen — we have the right health cover.

Individual health insurance India
For Singles

Individual Health Plan

Dedicated cover for a single person. Higher sum insured per person than family floater. Best for young professionals.

  • ₹5L to ₹1 Crore cover
  • No room rent capping options
  • Day care procedures covered
  • OPD add-on available
Get Quote
Senior citizen health insurance India
For Parents / Seniors

Senior Citizen Plan

Specialised cover for parents above 60. Covers pre-existing conditions after waiting period with higher claim settlement.

  • Entry age up to 80 years
  • Pre-existing disease cover
  • Domiciliary hospitalisation
  • AYUSH treatment covered
Get Quote
Why Sridha FinServe

We Do What Agents
Don't Tell You

Compare 20+ Insurers

We compare Star Health, Niva Bupa, Care Health, HDFC Ergo and 16+ others to find the best value for you.

Explain Every Clause

Sub-limits, waiting periods, room rent caps — we explain every clause before you buy so there are no claim surprises.

Claim Support 24/7

When you're hospitalised, call us. We coordinate with the hospital and insurer so you get cashless settlement fast.

Annual Review

Your health needs change. We review your policy every year to ensure your cover keeps up with medical inflation.

Zero Hidden Charges

Our advice is completely free. We earn from the insurer — never from you. Our interest is always in your best policy.

Port Your Policy

Already have health insurance but unhappy? We help you port to a better insurer without losing accrued benefits.

FAQs

Health Insurance Questions
Answered Honestly

How much health cover do I actually need?+
In Surat, a minimum of ₹10 Lakhs for a family of 4 is recommended in 2024. Medical inflation is 15% annually, so a ₹5L cover today may feel like ₹2L cover 5 years later. For senior parents, go ₹15–25L. We calculate the ideal cover based on your city, family size, and age in our free consultation.
What is the waiting period for pre-existing diseases?+
Most insurers have 2–4 years waiting period for pre-existing conditions like diabetes, hypertension, thyroid. Some plans offer 1-year waiting period for a slightly higher premium. It's crucial to buy early — every year you delay, your premium increases and waiting period doesn't reduce.
Is cashless treatment available in all hospitals?+
Cashless is available only at network hospitals. Major insurers have 10,000–20,000 network hospitals across India. In Surat, all major hospitals like Kiran, Nirali, and Sunshine are in most insurers' networks. We verify network coverage for your preferred hospitals before recommending any policy.
Should I add parents to my family floater or buy a separate policy?+
Always buy a separate senior citizen policy for parents — never add them to a family floater. Adding parents significantly increases the premium for everyone, and if parents make a claim, your no-claim bonus is affected too. A dedicated senior citizen plan for parents is always more economical and practical.
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