Health & Life Cover bundles hospitalization, critical illness, and term life protection into a single family schedule — so a medical emergency never turns into a second financial one.
Health and life cover are usually sold as two separate products, from two separate desks, with two separate sets of exclusions to memorize. This policy treats them as one plan: your family's medical cover and your own life protection, read from a single schedule in your portal.
Every plain-language clause spells out waiting periods, sub-limits, and network hospitals up front — nothing held back for a call center to explain once you're already mid-claim.
Medical and life protection, built to work together rather than as separate add-ons.
In-patient treatment, day-care procedures, and pre/post-hospitalization expenses at network and non-network hospitals.
A lump-sum payout on diagnosis of a listed critical illness, usable for treatment, income replacement, or both.
One sum insured shared across spouse, children, and dependent parents, instead of separate policies for each.
A straightforward death-benefit policy for your dependents, with no investment component to complicate the payout.
Declared pre-existing conditions are covered after a disclosed waiting period, spelled out clearly on your schedule.
Direct billing at network hospitals means no upfront payment and no reimbursement paperwork after discharge.
Cashless where possible, reimbursed quickly where it isn't.
Pre-authorize directly from your portal before or during admission at any network hospital.
Same DaySubmit bills from a non-network hospital through your portal for verification and payout.
3–7 DaysOnce diagnosis documentation is verified against your policy schedule, the lump sum releases directly.
48 HrsFamilies Covered
Network Hospitals
Claims Satisfaction
Max Term Life Cover
What people usually want clarified before signing up.
It varies by condition and is stated explicitly on your policy schedule at the time of underwriting — typically shorter than industry standard for disclosed conditions.
Yes, dependent parents can be added, though premiums adjust based on their age and any declared health history.
They sit on the same policy schedule for convenience, but function independently — a health claim doesn't affect your life cover sum insured, and vice versa.
You pay upfront and file for reimbursement through your portal. Verified reimbursement claims are typically settled within a week.
A health & life risk assessment takes under five minutes.