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Independent Health Advisory · IRDAI Partners

Health Insurance Audited for Hidden Gaps

Hospitalization claims get rejected due to room-rent capping, undisclosed waiting periods, or sub-limit traps. Our health desk audits policy clauses from licensed insurance partners to protect your savings when medical emergencies strike.

01 · Audit

Room Rent Capping

Prevent proportionate deduction on hospital bills.

02 · Clarity

Pre-Existing Timeline

Clear documentation of waiting period milestones.

03 · Assistance

Cashless Desk

Guidance during network hospital TPA approvals.

Request Audited Health Quote

Independent clause review across top health insurers

Confidential

Available Health Insurance Categories

Every health policy proposal is audited against room-rent sub-limits, disease waiting periods, and network hospital cashless terms.

Individual Health Insurance

Dedicated sum insured for individuals aged 18 to 65. Comprehensive hospitalization, pre/post cover, and daycare procedures.

  • No shared sum insured
  • Cumulative bonus for claim-free years
  • Restoration of sum insured on exhaustion

Family Floater Plans

Single umbrella policy covering self, spouse, and dependent children under one shared sum insured with unified renewal.

  • Covers up to 2 adults & 4 children
  • Maternity & newborn coverage options
  • Cashless hospitalization across 10,000+ network hospitals

Senior Citizen Health Cover

Specialized coverage for parents and seniors aged 60+. Focus on pre-existing condition management, co-payment audit, and critical illness.

  • Specific pre-existing disease riders
  • Annual health check-ups included
  • Audit of sub-limits on cataract, joint replacement

Group Health & MSME Employees

Employee health benefits for startups, retail establishments, and MSMEs with 5 to 500+ employees. Zero waiting period options.

  • Day-1 pre-existing disease cover for team
  • Corporate cashless claims desk
  • Maternity cover for employees & spouses

Corporate Health & Wellness

Comprehensive corporate medical benefits, tailored deductibles, OPD allowances, and executive preventive health checkups.

  • Customized group medical policies
  • Dedicated relationship manager for claims
  • Executive health checkup bundles