Health Insurance
Cover that pays the hospital so you don't have to. Across India and globally — for every stage of life, every kind of family.
One unplanned hospitalisation, ₹3 to ₹15 lakhs.
Atypical hospitalisation in a mid-tier Mumbai private hospital costs ₹3–8 lakhs. A serious cardiac or oncology procedure can cross ₹15 lakhs. Without health insurance, that money comes out of savings, the retirement corpus, or the child's education fund — whichever is liquid first.
Health insurance shields all of those. For a typical family of four, comprehensive cover costs ₹25,000–50,000 a year — less than 1% of household income for many of our clients, but the most consequential protection they own.
It's also one of the easiest insurance categories to get wrong online. Plan design matters more than price, and most aggregators won't tell you that.
Five categories for five different needs.
Health insurance isn't one decision. It's a sequence of decisions about who, how much, and for which contingencies.
Individual Plans — Separate cover for one person. Age-rated. Suits singles and working professionals.
Family Floater — One sum assured shared across the family. Usually cheapest per head for healthy families.
Senior Citizen Plans — Tailored for parents and in-laws over 60. Higher premium, broader pre-existing coverage.
Critical Illness — Lump sum on diagnosis of major illnesses. Complements standard health insurance.
Care Global — Worldwide medical cover including the US. We are the top sourcing partner.
The premium difference between cheap and good is ₹5–10K a year. The benefit difference at claim time can be ₹5–10 lakhs.— Nikhil Dedhia, COO
When worldwide medical cover makes sense.
Invest Drive is the top sourcing partner for Care Global by Care Health Insurance — a product covering planned and emergency medical treatment anywhere in the world, including the United States.
It's particularly suited to:
NRIs and frequent international travellers
Parents whose children live abroad
Senior executives with international postings
Anyone planning specialised treatment at an overseas hospitalKnowing the underwriting nuances and claim process intimately is what separates a Care Global policy that works from one that doesn’t. After being the top sourcing partner, we know both.
Want to compare health policies for your family?
We'll evaluate across 6–8 insurers and recommend based on your family's health profile.
Twelve features that separate a "cheap" policy from one that pays.
Premium isn't the metric — coverage breadth, claim experience, and policy structure are. Here are the dimensions we evaluate before recommending any health policy.
Room-rent cap
Or its absence. A room-rent limit can trigger proportional deductions on the entire bill.
Pre/post hospitalisation
30–90 day coverage before and after the hospital stay. Often where real costs hide.
Restore benefit
Sum insured reinstates after a claim. Essential for families using the floater jointly.
Network hospitals
The cashless network determines whether you pay upfront or just walk in.
PED waiting period
Pre-existing diseases — typical waits are 2–4 years. Worth comparing carefully.
Co-payment clauses
You pay 10–30% of every claim. Look for plans without this if possible.
Maternity benefit
For young couples — sub-limits, waiting periods, and newborn coverage vary widely.
OPD cover
Outpatient consultations and diagnostics — usually optional, worth it for some families.
What we actually do when your family lands in hospital.
Selling a health policy is easy. Handling a claim under stress is what separates an agent from a partner. When you call us about a hospitalisation, we immediately notify the insurer for cashless pre-authorisation, coordinate with the hospital's insurance desk, follow up on any delays or queries, and — if cashless isn't available — help compile the reimbursement documents.
This service is included. There’s no separate fee. We’ve maintained a 100% settlement record for legitimate claims since 1988.
Not sure where to begin?
A 30-minute no-obligation conversation often clarifies more than weeks of online research. We'd be happy to listen.
