Health Insurance
Because a medical emergency should never become a financial emergency
Healthcare costs in India are rising at over 14% annually — faster than inflation, faster than salary growth. A single hospitalisation can wipe out years of savings. Health insurance is not a luxury; it is a financial necessity for every Indian family. At CashRich Surojit, we help you choose a plan that provides genuine coverage — not just a policy that looks good on paper but fails you when you need it most.
Key Benefits
Individual Health Plans
Comprehensive coverage for a single person. Ideal for young professionals who want affordable, high-quality coverage with no-claim bonuses.
Family Floater Plans
One policy, one premium, entire family covered. The sum insured floats across all members, making it cost-effective for families.
Senior Citizen Plans
Specialised plans for parents and senior family members with coverage for pre-existing diseases, domiciliary treatment, and higher hospitalisation limits.
Critical Illness Cover
Lump sum payout on diagnosis of 30+ critical illnesses. Covers income loss, treatment abroad, and lifestyle adjustments during recovery.
Super Top-Up Plans
Affordable way to boost your existing coverage. Kicks in after a deductible threshold, giving you ₹50–100 lakh cover at a fraction of the cost.
Group Health Insurance
For small business owners and employers. Provide your employees with quality health coverage while enjoying tax benefits.
Why Choose CashRich Surojit?
- We compare 20+ insurers to find the best coverage-to-premium ratio for you
- Cashless hospitalisation network analysis — we check if your preferred hospitals are covered
- Transparent explanation of exclusions, waiting periods, and sub-limits
- Claim assistance — we guide you through the entire claim process
- Annual policy review to ensure your cover keeps pace with rising medical costs
- Special focus on covering pre-existing conditions with the right waiting period strategy
Frequently Asked Questions
How much health insurance cover is enough?
For a family of four in a metro city, a minimum of ₹10–15 lakh is recommended today. Given rising medical inflation, ₹25–50 lakh with a super top-up is ideal. We help you calculate the right amount based on your city, age, and family size.
What is a waiting period in health insurance?
A waiting period is the time you must wait before certain conditions are covered. Initial waiting periods are typically 30 days; pre-existing disease waiting periods are 2–4 years. We help you choose plans with the shortest waiting periods.
Is employer-provided health insurance enough?
Usually not. Employer group covers are typically ₹3–5 lakh, cover only hospitalisation, and cease when you leave the job. A personal policy ensures continuous, comprehensive coverage regardless of employment.
Can I get health insurance for my parents with pre-existing conditions?
Yes. Several insurers offer senior citizen plans that cover pre-existing conditions after a waiting period of 1–2 years. We identify the best options based on your parents' specific health profile.
Ready to Get Started?
Talk to our expert advisors today. No obligation, just clarity.