Health Insurance
Protect yourself and your loved ones against rising medical expenses with expert guidance and personalized health insurance solutions.
Health Protection Journey
We manage your medical risks seamlessly across every life event.
Healthy Lifestyle
Mindful wellness, balanced routines, and preventative habits.
Unexpected Illness
Sudden diagnostic checks or emergency medical detection.
Hospitalization
Admitting to a registered network healthcare partner facility.
Cashless Treatment
Direct pre-authorization settlement between insurer & hospital.
Recovery
Discharge, post-care prescriptions, and rest cycles.
Financial Protection
Zero savings impact, securing family capital reserves.
Who Are You Protecting?
Select your advisory target profile to customize risk coverage parameters.
Individual
Customized sum protection matching single life risk profiles.
Family
Shared floater covers for couples, children, and immediate dependents.
Senior Citizen
Dedicated plans for elders, covering pre-existing conditions with low wait-times.
Parents
Dedicated health care cushions to secure your mother and father's age groups.
Child
Coverage from infancy through educational growth milestones.
Corporate Employees
Group coverage structures with zero waiting period for pre-existing diseases.
Health Insurance Categories
Explore the primary advisory categories of health solutions we structure for our partners.
Individual Health Insurance
Dedicated sum insured for a single person, ensuring personalized claim limits.
Family Floater
A single shared policy envelope covering the entire family, optimizing premium costs.
Senior Citizen Cover
Tailored health security focusing on geriatric care, critical illnesses, and high sum limits.
Critical Illness Cover
Lumpsum payouts upon diagnosis of defined critical ailments (cancer, stroke, kidney failure).
Top-Up & Super Top-Up Plans
Cost-effective enhancement of existing policies that kicks in once threshold deductibles are met.
Group Health Insurance
Customized medical packages covering employee pools with customized features.
Core Coverage Highlights
Important inclusions structured into standard advisory plans to assure comprehensive protection.
Hospitalization Expenses
Covers medical costs, diagnostics, doctor fees, and nursing charges incurred during inpatient care.
Day Care Procedures
Covers minor surgeries requiring less than 24 hours of hospitalization (cataract, dialysis).
Pre Hospitalization
Medical consultation, diagnostic tests, and check-ups up to 60 days prior to admission.
Post Hospitalization
Recovery support, medicines, and physiotherapy costs up to 90 or 180 days post-discharge.
Ambulance Charges
Emergency road transport charges to the nearest network hospital facility.
ICU Expenses
Intensive Care Unit charges, including specialized monitoring equipment and medical oversight.
Room Rent Caps
Covers standard single private rooms or customized suite allotments during hospitalization.
Modern Treatments
Advanced medical technologies (robotic surgeries, stem cell therapies, immunotherapy).
Organ Donor Expenses
Covers harvesting surgery expenses incurred during organ transplant operations.
AYUSH Treatment
Hospitalization costs for alternative treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy).
Restore Benefits
Recharges 100% of the sum insured automatically if original coverage is exhausted in a policy year.
No Claim Bonus
Accumulate up to 50%-100% extra sum insured bonus for claim-free policy years.
What's Covered
Underlying inclusions built into health plans.
In-Patient Care
Comprehensive doctor visits, nursing service charges, diagnostic labs, and standard pharmacy expenses during hospitalization exceeding 24 hours.
Domiciliary Treatment
Covers home hospitalizations prescribed by attending doctors if local hospital beds are unavailable or patient mobility is restricted.
Maternity & Newborn Cover
Delivery charges, post-natal care, and immediate newborn vaccinations integrated into family floaters.
Preventative Checkups
Complimentary annual health screening packages mapping key diagnostic profiles to prevent illnesses.
Optional Benefits & Riders
Select riders and add-on extensions to tailor a more personalized health plan.
Critical Illness Rider
Secures a lump-sum check payout upon clinical diagnosis of defined major illnesses (e.g., organ failures).
Maternity Cover
Covers both normal and Caesarean deliveries, including pre-and-post-natal expenses.
Newborn Cover
Extends health coverage to newborns from Day 1 including pediatric vaccinations.
OPD Cover
Covers outpatient diagnostic tests, pharmacy prescriptions, and routine doctor consulting bills.
Dental Cover
Optional coverage for routine dental checkups, cleaning, fillings, and accidental damage repair.
Vision Cover
Covers eye examination consultations, lenses, and prescription frame costs.
Personal Accident Cover
Provides accidental death and permanent total disability lump sum payouts.
Worldwide Emergency Cover
Hospitalization coverage during international business or leisure travels.
Health Check-up
Custom diagnostics including lipid profile, diabetes screening, and kidney tests.
Wellness Programs
Provides premium discounts and reward benefits for achieving daily step/exercise milestones.
Cashless Hospitalization Process
A structured, stress-free layout illustrating direct billing authorization steps.
Health Issue
Identify a medical condition requiring planned treatment or emergency attention.
Hospital Selection
Locate one of the 10,000+ insurer network hospital partner facilities near you.
Cashless Authorization
Submit your health card and pre-auth form at the hospital TPA desk.
Treatment
Undergo planned medical care or surgeries without paying upfront deposits.
Discharge
Hospital updates bills, obtains final approval, and prepares discharge slips.
Claim Settlement
The insurer pays the hospital bills directly, leaving you to pay only deductibles.
How to Choose the Right Plan
Evaluating parameters that matter to select suitable sum configurations.
Age
Premiums increase with age. Insure young to lock in low rates, zero wait periods, and accumulate bonuses.
Family Size
Individual policies suit single lives, while family floaters optimize costs for married couples and kids.
Medical History
Pre-existing diseases require waiting periods (generally 2-4 years) before claims are payable.
City / Location
Medical expenses vary by zone. Metro zones require higher sum limits compared to Tier-2 towns.
Lifestyle Factors
High-stress routines, frequent travel, or occupational hazards require robust cover structures.
Coverage Amount
With double-digit medical inflation, ₹10 Lakh to ₹25 Lakh is recommended as a baseline sum insured.
Premium Budget
Co-pay clauses, room rent limits, and deductible options help optimize premiums.
Why Consult BP & AF
Independent advocacy that prioritizes your healthcare risks.
Policy Comparison
We compare 30+ insurance platforms to match your family parameters with the best underwriter rates.
Claim Assistance
A dedicated claims advocate handles surveyor coordination and audits complex hospital bills.
Cashless Support
We coordinate with TPAs to clear pre-authorization disputes during hospital admission.
Renewal Guidance
Proactive tracking of policy renewals to prevent breaks in coverage and bonus losses.
Relationship Manager
A single point-of-contact advisor managing all family policies, claims, and inquiries.
Multi-Company Advisory
Independent broker advice with zero tie-in bias, prioritizing your interest over insurer quotas.
Frequently Asked Questions
Key insights concerning health insurance placement and underwriting terms.
Request Health Insurance Consultation
Provide your details below. Our Personal Insurance Advisors will coordinate with top health underwriters to draft personalized solutions.
Explore Related Personal Insurance Solutions
Explore other key covers from our personal risk advisory registry.
Personal Accident Insurance
Indemnity protection against accidental disabilities and fatalities.
Travel Insurance
Worldwide emergency medical expense safeguards during transit.
Critical Illness Insurance
Lump-sum pay checks on diagnostic detections of major ailments.
Term Life Insurance
Security coverage structures ensuring nominees' capital resilience.